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Company Analysis

Columbia Banking System, Inc. COLB

A comprehensive view of key metrics, scores, and financial health for Columbia Banking System, Inc.

Overview of Columbia Banking System, Inc.

COLB NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
Columbia Banking System, Inc. (COLB), is a Mid Cap company, in the Banks - Regional industry, last closed at $31.31, about 13.2% overvalued vs fair value, +38.5% 1Y return, ranked 311/1037 in sector.
Metrics P/E 12.2× Rev Growth 66.6% ROE 8.5% Gross Margin 67.7%
USD 31.31
1.59%
(Delayed)
• Vol 90d: 28.7%
52-Week Range
Market Cap
$8.78B
Enterprise Value
$12.11B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.columbiabankingsys...
HQ Tacoma, WA
Fiscal year Dec 31

Next Events

Dividend Jun 15

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $31.31 -13% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.7B
8.6%%
Interest Expense
$912.5M
Net Interest Income
$1.7B
-4.1%%
Total Revenue
$3.2B
66.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.4%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$305.9M
57.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Columbia Banking System, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing COLB's balance between Growth (27.6%), Profitability (37.7%), and Safety (34.7%). Growth 28% Safety 35% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
Asset Growth YoY 29.6% 92p NII Growth YoY -4.1% 25p EPS Growth YoY -9.8% 31p Equity Growth YoY 2.5% 22p
Strengths
  • Asset Growth YoY in top 20% of peers (29.6%, 92th percentile)
  • Dividends/Tangible Equity in top 20% of peers (8.9%, 93th percentile)
Risks

No significant risks identified for this axis.

Profitability

63th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
59
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Columbia Banking System, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.17
- - -
-13.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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