image
Columbia Banking System, Inc. COLB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 22.77
-0.541 %
$ 4.78 B
Market Cap
8.65
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one COLB stock under the worst case scenario is HIDDEN Compared to the current market price of 22.8 USD, Columbia Banking System, Inc. is HIDDEN

COLB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one COLB stock under the base case scenario is HIDDEN Compared to the current market price of 22.8 USD, Columbia Banking System, Inc. is HIDDEN

COLB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one COLB stock under the best case scenario is HIDDEN Compared to the current market price of 22.8 USD, Columbia Banking System, Inc. is HIDDEN

COLB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart COLB

image
1M -10%
6M -23%
1Y 20%
3Y -14.0%
5Y 20%
All
$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
2.76 B REVENUE
54.45%
Growth Rates
1Year 54.45%
3Years 29.25%
5Years 17.00%
7Years 13.45%
10Years 11.25%
2.74 B OPERATING INCOME
326.88%
Growth Rates
1Year 326.88%
3Years 70.04%
5Years 42.39%
7Years 44.45%
10Years 33.21%
534 M NET INCOME
53.04%
Growth Rates
1Year 53.04%
3Years 8.29%
5Years 8.55%
7Years 11.70%
10Years 13.72%
659 M OPERATING CASH FLOW
-1.64%
Growth Rates
1Year -1.64%
3Years -0.19%
5Years 59.08%
7Years 3.73%
10Years 6.46%
115 M INVESTING CASH FLOW
-77.17%
Growth Rates
1Year -77.17%
3Years 27.54%
5Years 17.17%
7Years 10.86%
10Years -7.47%
-1.06 B FINANCING CASH FLOW
-248.29%
Growth Rates
1Year -248.29%
3Years -25.95%
5Years -12.12%
7Years -14.54%
10Years -19.54%
487 M REVENUE
-30.30%
Growth Rates
1Year 54.45%
3Years 29.25%
5Years 17.00%
7Years 13.45%
10Years 11.25%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 326.88%
3Years 70.04%
5Years 42.39%
7Years 44.45%
10Years 33.21%
143 M NET INCOME
-1.99%
Growth Rates
1Year 53.04%
3Years 8.29%
5Years 8.55%
7Years 11.70%
10Years 13.72%
256 M OPERATING CASH FLOW
280.61%
Growth Rates
1Year -1.64%
3Years -0.19%
5Years 59.08%
7Years 3.73%
10Years 6.46%
-122 M INVESTING CASH FLOW
-36.23%
Growth Rates
1Year -77.17%
3Years 27.54%
5Years 17.17%
7Years 10.86%
10Years -7.47%
-366 M FINANCING CASH FLOW
-5.35%
Growth Rates
1Year -248.29%
3Years -25.95%
5Years -12.12%
7Years -14.54%
10Years -19.54%
Balance Sheet Columbia Banking System, Inc.
image
Current Assets 497 M
Cash & Short-Term Investments 497 M
Receivables 0
Other Current Assets 0
Non-Current Assets 2.46 B
Long-Term Investments 0
PP&E 586 M
Other Non-Current Assets 1.87 B
16.81 %19.82 %63.38 %Total Assets$3.0b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 126 M
Long-Term Debt 126 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$125.7m
EFFICIENCY
Earnings Waterfall Columbia Banking System, Inc.
image
Revenue 2.76 B
Cost Of Revenue 0
Gross Profit 2.76 B
Operating Expenses 11 M
Operating Income 2.74 B
Other Expenses 2.21 B
Net Income 534 M
3b3b3b3b2b2b2b2b1b1b500m500m003b03b(11m)3b(2b)534mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 92.37%
10Years 76.01%
99.60% OPERATING MARGIN
99.60%
Averages
1Year 99.60%
3Years 68.72%
5Years 27.48%
7Years 27.66%
10Years 24.21%
19.37% NET MARGIN
19.37%
Averages
1Year 19.37%
3Years 33.47%
5Years 3.14%
7Years 9.98%
10Years 13.13%
10.43% ROE
10.43%
Averages
1Year 10.43%
3Years 10.33%
5Years -2.01%
7Years 0.85%
10Years 2.38%
1.03% ROA
1.03%
Averages
1Year 1.03%
3Years 0.92%
5Years -0.22%
7Years 0.19%
10Years 0.42%
68.95% ROIC
68.95%
Averages
1Year 68.95%
3Years 21.39%
5Years 20.02%
7Years 9.38%
10Years 7.56%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Columbia Banking System, Inc.
image
1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 534 M
Depreciation & Amortization 71.4 M
Capital Expenditures 0
Stock-Based Compensation 20.4 M
Change in Working Capital 0
Others -37.9 M
Free Cash Flow 659 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Columbia Banking System, Inc.
image
Wall Street analysts predict an average 1-year price target for COLB of $29.5 , with forecasts ranging from a low of $24 to a high of $36 .
COLB Lowest Price Target Wall Street Target
24 USD 5.40%
COLB Average Price Target Wall Street Target
29.5 USD 29.56%
COLB Highest Price Target Wall Street Target
36 USD 58.10%
Price
Max Price Target
Min Price Target
Average Price Target
36363434323230302828262624242222202018181616Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.33% DIVIDEND YIELD
0.36 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.30.380.220.220.420.50.280.30.30.360.360.340.370.220.260.420.280.280.30.360.360.340.390.220.260.280.280.280.30.360.360.361.340.391.530.220.880.41.140.281.400.281.340.31.140.31.200.361.380.361.440.362015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership Columbia Banking System, Inc.
image
Sold
0-3 MONTHS
116 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Exploring Analyst Estimates for Columbia Banking (COLB) Q1 Earnings, Beyond Revenue and EPS Evaluate the expected performance of Columbia Banking (COLB) for the quarter ended March 2025, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight. zacks.com - 1 week ago
Should Value Investors Buy Columbia Banking System (COLB) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
After Plunging -13.49% in 4 Weeks, Here's Why the Trend Might Reverse for Columbia Banking (COLB) The heavy selling pressure might have exhausted for Columbia Banking (COLB) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal. zacks.com - 3 weeks ago
Columbia Banking (COLB) Moves 6.9% Higher: Will This Strength Last? Columbia Banking (COLB) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 3 weeks ago
4 Dividend Growth Stocks the Trade Tariffs Can't Touch Tariffs are in the news and will impact the broad stock market in 2025 and potentially longer, but not all stocks are in the same precarious predicament. marketbeat.com - 3 weeks ago
Columbia Banking System Announces Date of First Quarter 2025 Earnings Release and Conference Call TACOMA, Wash. , March 31, 2025 /PRNewswire/ -- Columbia Banking System, Inc. ("Columbia" Nasdaq: COLB), parent company of Umpqua Bank, today announced it will release first quarter 2025 financial results on Thursday, April 24, 2025, after market close. prnewswire.com - 1 month ago
70 Graham All-Star Value (GASV) March Dividends Show 19 "Safer" Bearing 13 Ideal Dividend Dogs The Large Cap Value and Ben Graham Formula strategies identify undervalued, stable stocks with strong fundamentals and low valuations, ideal for long-term investment. Analysts project significant gains (28.24% to 85.64%) from top-ten GASV Dogs by March 2026, based on dividend yields and target prices. Thirteen of nineteen "safer" GASV Dogs are recommended buys, offering reliable dividends and fair pricing relative to their intrinsic value. seekingalpha.com - 1 month ago
Columbia Banking: Valuation Gap Is Too Large, But Weaker Relative Growth Remains A Challenge Columbia Banking System shares have appreciated over 25% since February 2024, yet still trade at a relative discount compared to peers. Near-term growth is likely to be modest, with low-single-digit pre-provision profit growth in FY'25 and FY'26 due to limited spread leverage and modest loan growth. Columbia's high-quality, low-cost deposit base and ongoing restructuring of the loan book offer long-term potential, despite contributing to near-term growth headwinds. seekingalpha.com - 1 month ago
Umpqua Bank Expands in Colorado with First Retail Branch and Commercial Office Location in Denver Umpqua Bank's retail and commercial space supports full-service consumer, commercial, private banking and wealth management services LAKE OSWEGO, Ore., March 11, 2025 /PRNewswire/ --  Umpqua Bank , a subsidiary of Columbia Banking System, Inc. (Nasdaq: COLB), today announced the opening of its first retail branch and commercial office in Denver, Colo. prnewswire.com - 1 month ago
Columbia Banking System to Present at Upcoming Raymond James & Associates and RBC Capital Markets Conferences TACOMA, Wash. , Feb. 24, 2025 /PRNewswire/ -- Columbia Banking System, Inc. ("Columbia" Nasdaq: COLB) President and CEO Clint Stein is scheduled to present at the Raymond James & Associates 46th Annual Institutional Investors Conference on Monday, March 3, 2025, at 4:00 p.m. prnewswire.com - 2 months ago
Columbia Banking System Announces $0.36 Per Common Share Dividend TACOMA, Wash. , Feb. 14, 2025 /PRNewswire/ -- Columbia Banking System, Inc. ("Columbia" Nasdaq: COLB), parent company of Umpqua Bank, today announced its Board of Directors has approved a quarterly cash dividend in the amount of $0.36 per common share, payable March 17, 2025, to shareholders of record as of February 28, 2025. prnewswire.com - 2 months ago
Columbia Banking System, Inc. (COLB) Q4 2024 Earnings Call Transcript Columbia Banking System, Inc. (NASDAQ:COLB ) Q4 2024 Earnings Conference Call January 23, 2025 5:00 PM ET Company Participants Jacquelynne Bohlen - IR, Director Clint Stein - President and CEO Ronald Farnsworth - EVP and CFO Frank Namdar - EVP and Chief Credit Officer Torran Nixon - President, Commercial Banking of Umpqua Bank Christopher Merrywell - President, Consumer Banking of Umpqua Bank Conference Call Participants Jeff Rulis - D.A. Davidson Jon Arfstrom - RBC Capital Markets David Feaster - Raymond James Matthew Clark - Piper Sandler Anthony Elian - JPMorgan Samuel Varga - UBS Jonathan Rau - Barclays Chris McGratty - KBW Operator Welcome to the Columbia Banking Systems' Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 3 months ago
8. Profile Summary

Columbia Banking System, Inc. COLB

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 4.78 B
Dividend Yield 1.33%
Description Columbia Banking System, Inc. operates as the bank holding company for Columbia State Bank that provides a range of banking services to small and medium-sized businesses, professionals, and individuals in the United States. It offers personal banking products and services, including noninterest and interest-bearing checking, savings, money market, and certificate of deposit accounts; home mortgages for purchases and refinances, home equity loans and lines of credit, and other personal loans; debit and credit cards; and digital banking services. The company also provides business banking products and services, such as checking, savings, interest-bearing money market, and certificate of deposit accounts; agricultural, asset-based, builder, and other commercial real estate loans, as well as loans guaranteed by the small business administration; and professional banking, treasury management, merchant card, and international banking services. In addition, it offers wealth management solutions that include financial planning services, such as asset allocation, net worth analysis, estate planning and preservation, education funding, and wealth transfer; long-term care, and life and disability insurance solutions; individual retirement solutions comprising retirement planning, retirement income strategies, and traditional and Roth individual retirement accounts; and business solutions, which comprise business retirement plans, key person insurance, business succession planning, and deferred compensation plans to individuals, families, and professional businesses. Further, the company provides fiduciary, investment, and administrative trust services, such as personal and special needs trusts, estate settlement, and investment agency and charitable management. It operates a network of 153 branch locations, including 68 in the state of Washington, 59 in Oregon, 15 in Idaho, and 11 in California. The company was founded in 1993 and is headquartered in Tacoma, Washington.
Contact 1301 A Street, Tacoma, WA, 98402-2156 https://www.columbiabank.com
IPO Date June 16, 1992
Employees 4721
Officers Mr. Ronald L. Farnsworth Jr., CPA Executive Vice President & Chief Financial Officer Ms. Kumi Yamamoto Baruffi Executive Vice President, General Counsel & Corporate Secretary Mr. Clint E. Stein CPA President, Chief Executive Officer & Director Mr. Christopher M. Merrywell Senior Executive Vice President Mr. David Moore Devine Executive Vice President & Chief Marketing Officer Ms. Lisa M. White Executive Vice President, Principal Accounting Officer & Corporate Controller Mr. Drew K. Anderson CPA Executive Vice President & Chief Administrative Officer Mr. Andrew H. Ognall Executive Vice President & Chief Human Resources Officer Mr. Torran B. Nixon Senior Executive Vice President Ms. Jacquelynne Bohlen C.F.A. Head of Investor Relations