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Earnings transcript
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COLB
Columbia Banking System, Inc.
$30.69
-0.03
(-0.08%)
| Exchange: | NASDAQ |
| Market Cap: | 8.678B |
| Shares Outstanding: | 2.168M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Clint Stein | |||||
| Full Time Employees: | 6005 | |||||
| Address: |
| |||||
| Website: | https://www.columbiabankingsystem.com |
Columbia Banking System, Inc. operates as the bank holding company for Columbia Bank that provides banking, private banking, mortgage, and other financial services in the United States. The company offers deposit products, including business, non-interest-bearing checking, interest-bearing checking and savings, money market, insured cash sweep and other investment sweep solutions, and certificates of deposit. It also provides commercial lending products, such as commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, commercial property loans, multifamily loans, equipment loans, commercial equipment leases, real estate construction loans, permanent financing, small business administration program financing, and capital markets services. In addition, the company offers wealth management, comprising financial planning, investment, trust, insurance, and private banking solutions, as well as treasury management, which includes digital and mobile banking solutions, ACH, wires, positive pay, remote deposit capture, integrated payments, integrated receivables, lockbox, cash vault, real-time payments, commercial card, foreign exchange, trade and supply chain finance, international banking related products, and merchant services. Further, it provides residential real estate loans and consumer loans. The company serves corporate, institutional, small business, and individual customers in the United States. Columbia Banking System, Inc. was founded in 1953 and is based 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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,823,828.027 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 2,860,603.220 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 2,842,215.629 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 902,729.976 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 914,486.382 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 908,608.181 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 991,101.245 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 1,064,798.624 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 1,027,949.935 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 796,780.271 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 807,156.876 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 801,968.575 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.430 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.590 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.340 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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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.
[intrinsic_calculator]
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
-0.08
Trading Metrics:
| Open: | 30.51 | Previous Close: | 30.71 | |
| Day Low: | 30.25 | Day High: | 30.75 | |
| Year Low: | 23.83 | Year High: | 33.68 | |
| Price Avg 50: | 31.69 | Price Avg 200: | 29.55 | |
| Volume: | 939010 | Average Volume: | 2.87M |
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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…
