COLB Stock Analysis: Columbia Banking System | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 9.333m USD | 12M Return: 34.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 94.6M
EPS Trend: 60.4%
Qual. Beats: 0
Rev. Trend: 80.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 bank holding company headquartered in Tacoma, Washington, founded in 1953. It operates primarily through its subsidiary, Columbia Bank, offering a full suite of commercial and consumer banking services across the United States. The company serves corporate, institutional, small business, and individual customers, distinguishing it as a diversified regional banking franchise.
Its deposit offerings include business and personal checking accounts, savings and money market products, insured cash sweep solutions, and certificates of deposit. On the lending side, Columbia provides a wide range of commercial products such as lines of credit, term loans, equipment financing, commercial real estate and multifamily loans, construction and permanent financing, SBA program financing, and capital markets services. The company also originates residential real estate and consumer loans, rounding out its traditional banking business.
Beyond core banking, Columbia delivers wealth management services-encompassing financial planning, investment, trust, insurance, and private banking-alongside a robust treasury management platform. Treasury services include digital and mobile banking, ACH and wire transfers, remote deposit capture, integrated payments and receivables, lockbox, cash vault, real-time payments, commercial card, foreign exchange, and trade and supply chain finance. As a mid-cap regional bank in the Financials sector, Columbia competes in the U.S. Pacific Northwest and West Coast markets, where community-oriented regional banks often differentiate through local relationship banking and specialized small business and commercial real estate lending.
- Net interest margin compresses as deposit costs rise
- Commercial real estate exposure drives higher loan loss provisions
- Wealth management and treasury services fees accelerate revenue diversification
| Net Income: 655.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.54 > 1.0 |
| NWC/Revenue: -85.85% < 20% (prev -1.31k%; Δ 1.22k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.12b > Net Income 655.4m |
| Net Debt (3.58b) to EBITDA (1.01b): 3.54 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (292.2m) vs 12m ago 39.11% < -2% |
| Gross Margin: 68.98% > 18% (prev 62.16%; Δ 6.81% > 0.5%) |
| Asset Turnover: 5.70% > 50% (prev 5.72%; Δ -0.01% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 882.5m / Interest Expense TTM 912.2m) |
| A: -0.04 (Total Current Assets 577.0m - Total Current Liabilities 3.45b) / Total Assets 66.0b |
| B: 0.00 (Retained Earnings 59.0m / Total Assets 66.0b) |
| C: 0.02 (EBIT TTM 882.5m / Avg Total Assets 58.8b) |
| D: 0.13 (Book Value of Equity 7.66b / Total Liabilities 58.4b) |
| Altman-Z'' = -0.04 = B |
| DSRI: 0.12 (Receivables 231.0m/1.64b, Revenue 3.35b/2.95b) |
| GMI: 0.90 (GM 62.16% / 68.98%) |
| AQI: 1.08 (AQ_t 0.98 / AQ_t-1 0.91) |
| SGI: 1.14 (Revenue 3.35b / 2.95b) |
| TATA: -0.01 (NI 655.4m - CFO 1.12b) / TA 66.0b) |
| Beneish M = -3.69 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 32.12 with a total of 2,136,440 shares traded. Over the past week, the price has changed by +0.41%, over one month by +8.22%, over three months by +17.51% and over the past year by +34.75%.
Current recommended Stop Loss: 31.20 (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 | 32.7 | 1.8% |
P/E Trailing = 12.6431
P/E Forward = 10.395
P/S = 3.9954
P/B = 1.1982
P/EG = 2.26
Revenue TTM = 3.35b USD
EBIT TTM = 882.5m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 3.83b USD (from longTermDebt, last quarter)
Short Term Debt = 162.0m USD (from shortTermDebt, last quarter)
Debt = 4.16b USD (from shortLongTermDebtTotal, last quarter) + Leases 168.0m
Net Debt = 3.58b USD (calculated: Debt 4.16b - CCE 577.0m)
Enterprise Value = 12.9b USD (9.33b + Debt 4.16b - CCE 577.0m)
Interest Coverage Ratio = 0.97 (Ebit TTM 882.5m / Interest Expense TTM 912.2m)
EV/FCF = 11.97x (Enterprise Value 12.9b / FCF TTM 1.08b)
FCF Yield = 8.35% (FCF TTM 1.08b / Enterprise Value 12.9b)
FCF Margin = 32.20% (FCF TTM 1.08b / Revenue TTM 3.35b)
Net Margin = 19.56% (Net Income TTM 655.4m / Revenue TTM 3.35b)
Gross Margin = 68.98% ((Revenue TTM 3.35b - Cost of Revenue TTM 1.04b) / Revenue TTM)
Gross Margin QoQ = 70.62% (prev 75.63%)
Tobins Q-Ratio = 0.20 (Enterprise Value 12.9b / Total Assets 66.0b)
Interest Expense / Debt = 21.93% (Interest Expense 912.2m / Debt 4.16b)
Taxrate = 23.74% (204.0m / 859.5m)
NOPAT = 673.0m (EBIT 882.5m * (1 - 23.74%))
Current Ratio = 0.17 (Total Current Assets 577.0m / Total Current Liabilities 3.45b)
Debt / Equity = 0.54 (Debt 4.16b / totalStockholderEquity, last quarter 7.66b)
Debt / EBITDA = 3.54 (Net Debt 3.58b / EBITDA 1.01b)
Debt / FCF = 3.32 (Net Debt 3.58b / FCF TTM 1.08b)
Total Stockholder Equity = 7.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 655.4m / Total Assets 66.0b)
RoE = 9.16% (Net Income TTM 655.4m / Total Stockholder Equity 7.16b)
RoCE = 8.03% (EBIT 882.5m / Capital Employed (Equity 7.16b + L.T.Debt 3.83b))
RoIC = 1.02% (NOPAT 673.0m / Invested Capital 65.9b)
WACC = 11.91% (E(9.33b)/V(13.5b) * Re(9.76%) + D(4.16b)/V(13.5b) * Rd(21.93%) * (1-Tc(0.24)))
Discount Rate = 9.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.67 | Cagr: 16.12%
[DCF] Terminal Value 67.36% ; FCFF base≈873.5m ; Y1≈1.00b ; Y5≈1.47b
[DCF] Fair Price = 34.55 (EV 13.6b - Net Debt 3.58b = Equity 10.0b / Shares 289.5m; r=11.91% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 60.39 | EPS CAGR: 5.50% | SUE: 0.77 | # QB: 0
Revenue Correlation: 80.72 | Revenue CAGR: 13.66% | SUE: 0.51 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.73 | Chg30d=-0.27% | Revisions=-40% | Analysts=12
EPS next Quarter (2026-09-30): EPS=0.79 | Chg30d=-0.29% | Revisions=+0% | Analysts=12
EPS current Year (2026-12-31): EPS=3.05 | Chg30d=-0.31% | Revisions=+0% | GrowthEPS=-2.2% | GrowthRev=+20.4%
EPS next Year (2027-12-31): EPS=3.38 | Chg30d=-0.09% | Revisions=+0% | GrowthEPS=+10.8% | GrowthRev=+3.2%
[Analyst] Revisions Ratio: -18% (up=3, down=5)