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Financial Services - Banks - Regional - NASDAQ - US
$ 25.55
1.91 %
$ 5.37 B
Market Cap
10.78
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one COLB stock under the worst case scenario is HIDDEN Compared to the current market price of 25.6 USD, Columbia Banking System, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one COLB stock under the base case scenario is HIDDEN Compared to the current market price of 25.6 USD, Columbia Banking System, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one COLB stock under the best case scenario is HIDDEN Compared to the current market price of 25.6 USD, Columbia Banking System, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart COLB

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$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
2.97 B REVENUE
8.13%
719 M OPERATING INCOME
52.54%
534 M NET INCOME
53.04%
659 M OPERATING CASH FLOW
-1.64%
115 M INVESTING CASH FLOW
-77.17%
-1.06 B FINANCING CASH FLOW
-248.29%
714 M REVENUE
-1.75%
124 M OPERATING INCOME
-35.61%
86.6 M NET INCOME
-39.55%
122 M OPERATING CASH FLOW
-52.31%
250 M INVESTING CASH FLOW
304.62%
-178 M FINANCING CASH FLOW
51.46%
Balance Sheet Columbia Banking System, Inc.
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Current Assets 3.74 B
Cash & Short-Term Investments 2.08 B
Receivables 1.66 B
Other Current Assets 0
Non-Current Assets 47.8 B
Long-Term Investments 43.8 B
PP&E 460 M
Other Non-Current Assets 3.56 B
4.04 %3.22 %84.94 %6.91 %Total Assets$51.6b
Current Liabilities 42 B
Accounts Payable 0
Short-Term Debt 237 M
Other Current Liabilities 41.7 B
Non-Current Liabilities 4.5 B
Long-Term Debt 3.66 B
Other Non-Current Liabilities 837 M
89.80 %7.89 %Total Liabilities$46.5b
EFFICIENCY
Earnings Waterfall Columbia Banking System, Inc.
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Revenue 2.97 B
Cost Of Revenue 1.14 B
Gross Profit 1.82 B
Operating Expenses 1.1 B
Operating Income 719 M
Other Expenses 185 M
Net Income 534 M
3b3b3b3b2b2b2b2b1b1b500m500m003b(1b)2b(1b)719m(185m)534mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
61.47% GROSS MARGIN
61.47%
24.23% OPERATING MARGIN
24.23%
17.99% NET MARGIN
17.99%
10.43% ROE
10.43%
1.03% ROA
1.03%
5.41% ROIC
5.41%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Columbia Banking System, Inc.
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1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 534 M
Depreciation & Amortization 150 M
Capital Expenditures -35.7 M
Stock-Based Compensation 20.4 M
Change in Working Capital -40.4 M
Others -75.9 M
Free Cash Flow 623 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Columbia Banking System, Inc.
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Wall Street analysts predict an average 1-year price target for COLB of $28.6 , with forecasts ranging from a low of $24 to a high of $36 .
COLB Lowest Price Target Wall Street Target
24 USD -6.07%
COLB Average Price Target Wall Street Target
28.6 USD 11.94%
COLB Highest Price Target Wall Street Target
36 USD 40.90%
Price
Max Price Target
Min Price Target
Average Price Target
363634343232303028282626242422222020Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
1.44% DIVIDEND YIELD
0.36 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.30.380.220.220.420.50.280.30.30.360.360.340.370.220.260.420.280.280.30.360.360.360.340.390.220.260.280.280.280.30.360.360.361.340.391.530.220.880.41.140.281.400.281.340.31.140.31.200.361.380.361.440.722015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Columbia Banking System, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
116 K USD 1
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
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger: COLB NEW YORK , July 3, 2025 /PRNewswire/ -- Class Action Attorney Juan Monteverde  with Monteverde & Associates PC  (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Columbia Banking System, Inc. (NASDAQ: COLB), relating to the proposed merger with Pacific Premier Bancorp, Inc. Under the terms of the agreement, Pacific Premier stockholders will be given 0.9150 of a share of Columbia common stock for each Pacific Premier share they own. prnewswire.com - 5 days ago
Columbia Banking System Announces Date of Second Quarter 2025 Earnings Release and Conference Call TACOMA, Wash. , June 30, 2025 /PRNewswire/ -- Columbia Banking System, Inc. ("Columbia" Nasdaq: COLB), parent company of Umpqua Bank, today announced it will release second quarter 2025 financial results on Thursday, July 24, 2025, after market close. prnewswire.com - 1 week ago
17 Ideal 'Safer' Dividend Dogs To Buy Out Of 72 June Graham Value All-Stars I use YCharts' Value Score and Ben Graham Formula Value All Stars, or GASV, to identify large-cap stocks offering strong value and dividend safety. Seventeen out of twenty-four "safer" lowest-priced Dividend Dogs of the GASV are currently fair-priced and ready to buy for income investors. Top ten GASV stocks offer projected average net gains of 32.99% by June 2026, with yields ranging from 8.94% to 13.81%. seekingalpha.com - 1 week ago
Umpqua Bank 2025 Business Barometer: U.S. Businesses Report Steady Outlook Amid Tariff, Economic Uncertainty Nearly half of businesses expect the economy to improve in the next 12 months, including 60% of middle market companies and 44% of small businesses—a four-year high Small Business: 12-month outlook jumps 14 points; key growth indicators rebound from 2024 Middle Market: Strong optimism persists as 69% prioritize growth over cost-cutting Tariff Impact: 5 in 10 plan to stockpile inventory, absorb cost increases Generative AI: Adoption leading to increased staffing levels Cybersecurity: 3 in 10 feel very well prepared to prevent attacks TACOMA, Wash. , June 17, 2025 /PRNewswire/ -- Umpqua Bank today released the findings of its seventh annual Business Barometer, a nationwide study into the mindset and priorities of small and middle market businesses. prnewswire.com - 3 weeks ago
Columbia Banking System: Strong Buy As Contrarian EPS Inflection Drives Upside We initiate Columbia Banking System with a Strong Buy rating, underscoring a sharp contrarian 2026 EPS inflection the market is mispricing. Our implied valuation is pegged to our $40 price target, which offers a 73% upside at an 11.7x forward P/E multiple on our 2026 EPS estimate. Our internal estimates assume a material dip in FY25E EPS on M&A charges/accounting provisions, followed by a dramatic 36% EPS rebound to $3.40 in FY26E, 11% ahead of. seekingalpha.com - 1 month ago
Buy Any Of 18 Ideal 'Safer' May Dividend Dogs Out Of 70 Graham Value All-Stars (GVAS) I use YCharts' Value Score and Ben Graham Formula to identify large-cap stocks offering strong value relative to profits, assets, and dividends. Eighteen of twenty-four 'safer' lowest-priced Dividend Dogs of the GVAS are fair-priced and ready to buy for income-focused investors. Top ten GVAS stocks are projected to deliver 17.99% to 68.74% net gains by May 2026, with average risk 29% below the market. seekingalpha.com - 1 month ago
Columbia Banking System Announces $0.36 Per Common Share Dividend TACOMA, Wash. , May 16, 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 June 16, 2025, to shareholders of record as of May 30, 2025. prnewswire.com - 1 month ago
Umpqua Bank Appoints Judi Giem as Executive Vice President, Chief Human Resource Officer LAKE OSWEGO, Ore. , May 15, 2025 /PRNewswire/ -- Umpqua Bank, a subsidiary of Columbia Banking System, Inc. (Nasdaq: COLB), today announced the appointment of Judi Giem to serve as Executive Vice President, Chief Human Resource Officer, effective June 2, 2025. prnewswire.com - 1 month ago
PACIFIC PREMIER INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Pacific Premier Bancorp, Inc. - PPBI NEW YORK & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Pacific Premier Bancorp, Inc. (NasdaqGS: PPBI) to Columbia Banking System, Inc. (NasdaqGS: COLB). Under the terms of the proposed transaction, shareholders of Pacific will receive 0.9150 of a share of Columbia for each share of Pacific that they own. KSF is seeking to determine whether this consider. businesswire.com - 2 months ago
Columbia Banking System, Inc. (COLB) Q1 2025 Earnings Call Transcript Columbia Banking System, Inc. (NASDAQ:COLB ) Q1 2025 Earnings Conference Call April 23, 2025 5:00 PM ET Company Participants Clint Stein - President & Chief Executive Officer Ronald Farnsworth - Executive Vice President & Chief Financial Officer Jacque Bohlen - Investor Relations, Director Steve Gardner - Chairman & Chief Executive Officer, Pacific Premier Frank Namdar - Executive Vice President & Chief Credit Officer Tory Nixon - President, Commercial Banking of Umpqua Bank Chris Merrywell - President, Consumer Banking of Umpqua Bank Conference Call Participants Chris McGratty - KBW David Feaster - Raymond James Matthew Clark - Piper Sandler Timur Braziler - Wells Fargo Jon Arfstrom - RBC Capital Markets Jared Shaw - Barclays Jeff Rulis - D.A. Davidson Anthony Elian - JPMorgan Andrew Terrell - Stephens Nick Holowko - UBS Operator Good day and thank you for standing by. seekingalpha.com - 2 months ago
$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Columbia Banking System, Inc. - COLB NEW YORK , April 24, 2025 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Columbia Banking System, Inc. (NASDAQ: COLB ), relating to the proposed merger with Pacific Premier Bancorp, Inc. Under the terms of the agreement, Pacific Premier stockholders will be given 0.9150 of a share of Columbia common stock for each Pacific Premier share they own. prnewswire.com - 2 months ago
Out Of 70 Graham Value All-Stars, These 16 'Safer' Stocks Stand Out For April The Value Score identifies large-cap stocks offering high intrinsic value relative to their price, helping investors find undervalued companies with strong assets and profits. The Ben Graham Formula highlights ultra-stable stocks with strong earnings, dividends, and low valuations, ideal for long-term, defensive investing. 24 out of 69 April Graham All-Star-Value (GASV) Dividend stocks offer “safer” dividends with yields lower than their free cash flow yields. And 16 show IDEAL annual dividends (from $1K invested). seekingalpha.com - 2 months ago
8. Profile Summary

Columbia Banking System, Inc. COLB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 5.37 B
Dividend Yield 1.44%
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. David Moore Devine Executive Vice President & Chief Marketing Officer Mr. Frank Namdar Executive Vice President & Chief Credit Officer Mr. Drew K. Anderson CPA Executive Vice President & Chief Administrative Officer Mr. Torran B. Nixon Senior Executive Vice President Mr. Ronald L. Farnsworth Jr., CPA Executive Vice President & Chief Financial Officer Mr. Christopher M. Merrywell Senior Executive Vice President Mr. Andrew H. Ognall Executive Vice President & Chief Human Resources Officer Ms. Kumi Yamamoto Baruffi Executive Vice President, General Counsel & Corporate Secretary Ms. Lisa M. White Executive Vice President, Principal Accounting Officer & Corporate Controller Ms. Jacquelynne Bohlen C.F.A. Head of Investor Relations