COLUMBIA BANKING SYSTEM INC (COLB)
US1972361026 - Common Stock
COLB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of COLB have multiple concerns. COLB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year COLB was profitable.
In the past year COLB had a positive cash flow from operations.
Each year in the past 5 years COLB has been profitable.
COLB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COLB's Return On Assets of 0.67% is on the low side compared to the rest of the industry. COLB is outperformed by 66.75% of its industry peers.
The Return On Equity of COLB (6.98%) is worse than 68.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.98% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)1.03%
ROE(3y)8.7%
ROE(5y)8.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
COLB's Profit Margin of 17.46% is on the low side compared to the rest of the industry. COLB is outperformed by 74.03% of its industry peers.
COLB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for COLB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.73%
PM growth 5Y-10.35%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
COLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
COLB has more shares outstanding than it did 1 year ago.
COLB has more shares outstanding than it did 5 years ago.
COLB has a worse debt/assets ratio than last year.
2.2 Solvency
COLB has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.01, COLB is in the better half of the industry, outperforming 76.21% of the companies in the same industry.
COLB has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
COLB's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. COLB outperforms 69.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COLB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.14%.
COLB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.16% yearly.
The Revenue has grown by 176.61% in the past year. This is a very strong growth!
The Revenue has been growing by 28.63% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-21.14%
EPS 3Y4.83%
EPS 5Y1.16%
EPS growth Q2Q-50%
Revenue 1Y (TTM)176.61%
Revenue growth 3Y48.93%
Revenue growth 5Y28.63%
Revenue growth Q2Q173.24%
3.2 Future
The Earnings Per Share is expected to grow by 3.49% on average over the next years.
COLB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.04% yearly.
EPS Next Y-6.1%
EPS Next 2Y2.68%
EPS Next 3Y3.49%
EPS Next 5YN/A
Revenue Next Year-3.5%
Revenue Next 2Y-0.19%
Revenue Next 3Y1.04%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.03 indicates a reasonable valuation of COLB.
Compared to the rest of the industry, the Price/Earnings ratio of COLB indicates a somewhat cheap valuation: COLB is cheaper than 73.06% of the companies listed in the same industry.
COLB is valuated cheaply when we compare the Price/Earnings ratio to 28.11, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.55 indicates a reasonable valuation of COLB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COLB indicates a somewhat cheap valuation: COLB is cheaper than 77.43% of the companies listed in the same industry.
COLB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 8.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, COLB is valued a bit cheaper than the industry average as 77.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.93
EPS Next 2Y2.68%
EPS Next 3Y3.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.29%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.76, COLB pays a better dividend. On top of this COLB pays more dividend than 96.84% of the companies listed in the same industry.
COLB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.29% |
5.2 History
On average, the dividend of COLB grows each year by 10.47%, which is quite nice.
COLB has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of COLB decreased in the last 3 years.
Dividend Growth(5Y)10.47%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
77.50% of the earnings are spent on dividend by COLB. This is not a sustainable payout ratio.
The dividend of COLB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP77.5%
EPS Next 2Y2.68%
EPS Next 3Y3.49%
COLUMBIA BANKING SYSTEM INC
NASDAQ:COLB (5/7/2024, 7:00:00 PM)
After market: 20.08 0 (0%)20.08
-0.29 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.20B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.29% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 8.55 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)6.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.98% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 17.46% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-21.14%
EPS 3Y4.83%
EPS 5Y
EPS growth Q2Q
EPS Next Y-6.1%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)176.61%
Revenue growth 3Y48.93%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y