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Earnings transcript
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COLB
Columbia Banking System, Inc.
$27.73
-0.19
(-0.68%)
| Exchange: | NASDAQ |
| Market Cap: | 6.6B |
| Shares Outstanding: | 2.168M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Clinton E. Stein | |||||
| Full Time Employees: | 4721 | |||||
| Address: |
| |||||
| Website: | https://www.columbiabank.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,743,254 | 2,966,206 | 3,213,771 |
| Gross Profit | 1,783,899 | 1,823,444 | 2,174,428 |
| EBITDA | 615,451 | 868,619 | 895,311 |
| Operating Income | 471,199 | 718,750 | 751,311 |
| Net Income | 348,715 | 533,675 | 550,032 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 52,173,596 | 51,576,397 | 66,832,000 |
| Total Liabilities | 47,178,562 | 46,458,173 | 58,992,000 |
| Total Stockholders Equity | 4,995,034 | 5,118,224 | 7,840,000 |
| Total Debt | 4,757,030 | 3,900,900 | 3,635,000 |
| Cash and Cash Equivalents | 2,157,434 | 1,870,555 | 2,380,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 669,840 | 658,866 | 0 |
| Capital Expenditure | 0 | -35,665 | 0 |
| Free Cash Flow | 669,840 | 623,201 | 0 |
| Net Income | 348,715 | 533,675 | 550,000 |
| Net Change in Cash | 867,891 | -284,279 | -1,878,255 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,915,386.878 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,927,503.379 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,921,445.129 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 931,999.789 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 935,873.229 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 933,936.509 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,072,348.198 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,084,598.451 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,078,473.325 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 822,614.807 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 826,033.637 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 824,324.222 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.630 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.610 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: COLB has demonstrated consistent revenue and net income growth in recent income statements, supported by strong operating cash flow as seen in cash flow statements. This indicates a robust core business model within the banking sector.
- Healthy Key Metrics: The company exhibits a favorable current ratio (TTM) and quick ratio (TTM), suggesting good liquidity to cover short-term liabilities. Additionally, a competitive return on equity (ROE TTM) reflects efficient use of shareholder capital compared to industry averages.
- Dividend Yield: COLB offers a stable dividend yield (TTM), as per key metrics, which can be attractive to income-focused investors in the 25-50 age demographic seeking steady returns.
- Market Position: As part of the financial sector, COLB benefits from a strong regional presence (as inferred from revenue geo segments), providing a stable customer base and localized market expertise.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates COLB intrinsic value between $31.60 – $43.80 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about COLB valuation
Is Columbia Banking System, Inc. (COLB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Columbia Banking System, Inc. (COLB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is COLB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether COLB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is COLB’s P/E ratio?
You can see COLB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for COLB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is COLB a good long-term investment?
Whether COLB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
COLB
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Daily snapshot
-0.68
Trading Metrics:
| Open: | 27.48 | Previous Close: | 27.92 | |
| Day Low: | 27.23 | Day High: | 27.9 | |
| Year Low: | 19.61 | Year High: | 32.7 | |
| Price Avg 50: | 28.89 | Price Avg 200: | 26.92 | |
| Volume: | 2.286M | Average Volume: | 3.078M |
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Login — it's freeCOLB full analysis
Welcome to MARKETSNAP’s SWOT analysis for Columbia Banking System, or COLB as it’s known on the ticker. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into Columbia Banking System, a regional financial institution that’s been making waves in the banking sector. Let’s unpack what makes this company tick, look at its recent performance, and break down the strengths, weaknesses, opportunities, and threats that could shape its…
