COLB Stock Analysis: Columbia Banking System | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 8.300m USD | 12M Return: 20.8% | US1972361026 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 85.8M
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 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: 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 September 27, 2026, the stock is trading at USD 29.64 with a total of 1,821,196 shares traded. Over the past week, the price has changed by -0.97%, over one month by -1.73%, over three months by -6.45% and over the past year by +20.77%.
Current recommended Stop Loss: 27.90 (which is 5.9% or 2.7 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 | 34.3 | 15.7% |
P/E Trailing = 11.7831
P/E Forward = 8.9286
P/S = 3.3125
P/B = 1.1201
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 = 12.7b USD (8.30b + Debt 5.04b - CCE 648.0m)
Interest Coverage Ratio = 1.05 (Ebit TTM 954.0m / Interest Expense TTM 909.0m)
EV/FCF = 9.90x (Enterprise Value 12.7b / FCF TTM 1.28b)
FCF Yield = 10.10% (FCF TTM 1.28b / Enterprise Value 12.7b)
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 12.7b / 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(8.30b)/V(13.3b) * Re(9.56%) + D(5.04b)/V(13.3b) * Rd(18.02%) * (1-Tc(0.24)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.15 | Cagr: 15.05%
[DCF] Terminal Value 69.47% ; FCFF base≈971.8m ; Y1≈1.11b ; Y5≈1.64b
[DCF] Fair Price = 42.74 (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=3.28 | Chg30d=+0.12% | Revisions=-17% | GrowthEPS=+8.4% | GrowthRev=+2.3%
[Analyst] Revisions Ratio: -61% (up=4, down=21)