COLB Stock Analysis: Columbia Banking System | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 8.116m USD | 12M Return: 14.1% | US1972361026 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 81.3M
EPS Trend: 78.7%
Qual. Beats: 0
Rev. Trend: 86.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Columbia Banking System, Inc. (NASDAQ: COLB) is a Tacoma, Washington-based bank holding company that operates through its subsidiary Columbia Bank, founded in 1953. The company provides a comprehensive range of banking, private banking, mortgage, and financial services to corporate, institutional, small business, and individual customers across the United States. As a mid-cap regional bank in the Financials sector, Columbia competes alongside other U.S. community and regional banking franchises focused on the Pacific Northwest and West Coast markets.
On the deposit side, Columbia Bank offers a full suite of products including business checking accounts, non-interest-bearing and interest-bearing checking, savings, money market accounts, insured cash sweep and other investment sweep solutions, and certificates of deposit. These offerings form the core funding base that supports the companys lending and fee-based businesses, consistent with the traditional business model of U.S. community and regional banks, where deposits are the primary source of low-cost funding.
The companys commercial lending portfolio is broad, encompassing commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, commercial property and multifamily loans, equipment loans and leases, real estate construction loans, permanent financing, Small Business Administration (SBA) program financing, and capital markets services. This diversified commercial book reflects the typical mix of regional banks serving small and middle-market businesses, where commercial real estate and C&I lending are key drivers of net interest income.
In addition to traditional banking, Columbia generates fee income through wealth management services such as financial planning, investment management, trust, insurance, and private banking solutions. It also offers treasury management products including digital and mobile banking, ACH, wires, positive pay, remote deposit capture, integrated payments and receivables, lockbox, cash vault, real-time payments, commercial card, foreign exchange, trade and supply chain finance, and merchant services, which are increasingly important margin contributors for regional banks seeking to reduce reliance on spread-based revenue.
Columbia also originates residential real estate loans and consumer loans, rounding out a full-service retail banking offering. Together, these product lines position the company as a diversified regional banking franchise serving both consumer and commercial clients across multiple U.S. markets.
- Net interest margin pressured by Fed rate cuts
- Loan growth slows in commercial real estate portfolio
- Deposit costs rise as competition for funding intensifies
| Net Income: 711.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.98 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.30k%; Δ -272.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.31b > Net Income 711.0m |
| Net Debt (4.39b) to EBITDA (1.09b): 4.02 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (286.5m) vs 12m ago 36.43% < -2% |
| Gross Margin: 70.97% > 18% (prev 63.67%; Δ 7.30% > 0.5%) |
| Asset Turnover: 6.07% > 50% (prev 5.66%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBIT TTM 954.0m / Interest Expense TTM 909.0m) |
| A: -0.85 (Total Current Assets 648.0m - Total Current Liabilities 56.5b) / Total Assets 65.4b |
| B: 0.00 (Retained Earnings 160.0m / Total Assets 65.4b) |
| C: 0.02 (EBIT TTM 954.0m / Avg Total Assets 58.6b) |
| D: 0.13 (Book Value of Equity 7.55b / Total Liabilities 57.8b) |
| Altman-Z'' = -5.35 = D |
| DSRI: 0.11 (Receivables 226.0m/1.64b, Revenue 3.56b/2.94b) |
| GMI: 0.90 (GM 63.67% / 70.97%) |
| AQI: 1.07 (AQ_t 0.98 / AQ_t-1 0.92) |
| SGI: 1.21 (Revenue 3.56b / 2.94b) |
| TATA: -0.01 (NI 711.0m - CFO 1.31b) / TA 65.4b) |
| Beneish M = -3.65 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 28.84 with a total of 2,597,704 shares traded. Over the past week, the price has changed by -0.76%, over one month by -4.72%, over three months by -9.45% and over the past year by +14.07%.
Current recommended Stop Loss: 28.00 (which is 2.9% or 1.3 ATR below the current price).
Columbia Banking System has received a consensus analysts rating of 3.36. Therefore, it is recommended to hold COLB.
- StrongBuy: 1
- Buy: 2
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.1 | 18.4% |
P/E Trailing = 11.2953
P/E Forward = 8.6133
P/S = 3.2401
P/B = 1.0807
P/EG = 2.26
Revenue TTM = 3.56b USD
EBIT TTM = 954.0m USD
EBITDA TTM = 1.09b USD
Long Term Debt = 4.69b USD (from longTermDebt, last quarter)
Short Term Debt = 4.44b USD (from shortTermDebt, last quarter)
Debt = 5.04b USD (from shortLongTermDebtTotal, last quarter) + Leases 168.0m
Net Debt = 4.39b USD (calculated: Debt 5.04b - CCE 648.0m)
Enterprise Value = 12.5b USD (8.12b + Debt 5.04b - CCE 648.0m)
Interest Coverage Ratio = 1.05 (Ebit TTM 954.0m / Interest Expense TTM 909.0m)
EV/FCF = 9.76x (Enterprise Value 12.5b / FCF TTM 1.28b)
FCF Yield = 10.25% (FCF TTM 1.28b / Enterprise Value 12.5b)
FCF Margin = 35.99% (FCF TTM 1.28b / Revenue TTM 3.56b)
Net Margin = 19.96% (Net Income TTM 711.0m / Revenue TTM 3.56b)
Gross Margin = 70.97% ((Revenue TTM 3.56b - Cost of Revenue TTM 1.03b) / Revenue TTM)
Gross Margin QoQ = 73.78% (prev 70.62%)
Tobins Q-Ratio = 0.19 (Enterprise Value 12.5b / Total Assets 65.4b)
Interest Expense / Debt = 18.02% (Interest Expense 909.0m / Debt 5.04b)
Taxrate = 23.63% (220.0m / 931.0m)
NOPAT = 728.6m (EBIT 954.0m * (1 - 23.63%))
Current Ratio = 0.01 (Total Current Assets 648.0m / Total Current Liabilities 56.5b)
Debt / Equity = 0.67 (Debt 5.04b / totalStockholderEquity, last quarter 7.55b)
Debt / EBITDA = 4.02 (Net Debt 4.39b / EBITDA 1.09b)
Debt / FCF = 3.43 (Net Debt 4.39b / FCF TTM 1.28b)
Total Stockholder Equity = 7.71b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 711.0m / Total Assets 65.4b)
RoE = 9.22% (Net Income TTM 711.0m / Total Stockholder Equity 7.71b)
RoCE = 7.70% (EBIT 954.0m / Capital Employed (Equity 7.71b + L.T.Debt 4.69b))
RoIC = 5.54% (NOPAT 728.6m / Invested Capital 13.1b)
WACC = 11.15% (E(8.12b)/V(13.2b) * Re(9.53%) + D(5.04b)/V(13.2b) * Rd(18.02%) * (1-Tc(0.24)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.15 | Cagr: 15.05%
[DCF] Terminal Value 69.46% ; FCFF base≈971.8m ; Y1≈1.11b ; Y5≈1.64b
[DCF] Fair Price = 42.71 (EV 16.5b - Net Debt 4.39b = Equity 12.1b / Shares 282.9m; r=11.15% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 78.71 | EPS CAGR: 7.98% | SUE: 0.70 | # QB: 0
Revenue Correlation: 86.10 | Revenue CAGR: 10.04% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.77 | Chg30d=-0.03% | Revisions=-67% | Analysts=14
EPS current Year (2026-12-31): EPS=3.03 | Chg30d=+0.00% | Revisions=-46% | GrowthEPS=-2.9% | GrowthRev=+19.0%
EPS next Year (2027-12-31): EPS=3.29 | Chg30d=+0.18% | Revisions=-17% | GrowthEPS=+8.5% | GrowthRev=+2.3%
[Analyst] Revisions Ratio: -61% (up=4, down=21)