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COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis

NASDAQ:COLB - Nasdaq - US1972361026 - Common Stock - Currency: USD

27.95  -0.18 (-0.64%)

After market: 27.95 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to COLB. COLB was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of COLB have multiple concerns. COLB has a correct valuation and a medium growth rate. COLB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year COLB was profitable.
In the past year COLB had a positive cash flow from operations.
In the past 5 years COLB has always been profitable.
Of the past 5 years COLB 4 years had a positive operating cash flow.
COLB Yearly Net Income VS EBIT VS OCF VS FCFCOLB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.93%, COLB is in the better half of the industry, outperforming 63.07% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.18%, COLB is in the better half of the industry, outperforming 61.81% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 9.18%
ROIC N/A
ROA(3y)0.98%
ROA(5y)0.97%
ROE(3y)9.57%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
COLB Yearly ROA, ROE, ROICCOLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 24.67%, COLB is doing good in the industry, outperforming 61.56% of the companies in the same industry.
In the last couple of years the Profit Margin of COLB has declined.
The Operating Margin and Gross Margin are not available for COLB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.31%
PM growth 5Y-3.27%
GM growth 3YN/A
GM growth 5YN/A
COLB Yearly Profit, Operating, Gross MarginsCOLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

COLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for COLB has been increased compared to 1 year ago.
Compared to 5 years ago, COLB has more shares outstanding
Compared to 1 year ago, COLB has a worse debt to assets ratio.
COLB Yearly Shares OutstandingCOLB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
COLB Yearly Total Debt VS Total AssetsCOLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of COLB is 1.27, which is an excellent value as it means it would take COLB, only 1.27 years of fcf income to pay off all of its debts.
COLB has a better Debt to FCF ratio (1.27) than 71.61% of its industry peers.
COLB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
COLB has a Debt to Equity ratio of 0.11. This is in the better half of the industry: COLB outperforms 69.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.27
Altman-Z N/A
ROIC/WACCN/A
WACC12.45%
COLB Yearly LT Debt VS Equity VS FCFCOLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COLB Yearly Current Assets VS Current LiabilitesCOLB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.80% over the past year.
The Earnings Per Share has been growing slightly by 0.30% on average over the past years.
The Revenue has decreased by -3.39% in the past year.
The Revenue has been growing by 26.71% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)8.8%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%61.36%
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%-6.73%

3.2 Future

The Earnings Per Share is expected to grow by 4.45% on average over the next years.
Based on estimates for the next years, COLB will show a small growth in Revenue. The Revenue will grow by 3.51% on average per year.
EPS Next Y1.51%
EPS Next 2Y4.29%
EPS Next 3Y4.45%
EPS Next 5YN/A
Revenue Next Year3.39%
Revenue Next 2Y3.51%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
COLB Yearly Revenue VS EstimatesCOLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
COLB Yearly EPS VS EstimatesCOLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

COLB is valuated reasonably with a Price/Earnings ratio of 10.28.
COLB's Price/Earnings ratio is rather cheap when compared to the industry. COLB is cheaper than 83.17% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.42. COLB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.12 indicates a reasonable valuation of COLB.
Based on the Price/Forward Earnings ratio, COLB is valued a bit cheaper than 74.62% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, COLB is valued rather cheaply.
Industry RankSector Rank
PE 10.28
Fwd PE 10.12
COLB Price Earnings VS Forward Price EarningsCOLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

COLB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.32
EV/EBITDA N/A
COLB Per share dataCOLB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.81
PEG (5Y)34.63
EPS Next 2Y4.29%
EPS Next 3Y4.45%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.15%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.19, COLB pays a better dividend. On top of this COLB pays more dividend than 91.71% of the companies listed in the same industry.
COLB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 5.15%

5.2 History

On average, the dividend of COLB grows each year by 10.47%, which is quite nice.
COLB has been paying a dividend for at least 10 years, so it has a reliable track record.
COLB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.47%
Div Incr Years3
Div Non Decr Years3
COLB Yearly Dividends per shareCOLB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1

5.3 Sustainability

61.99% of the earnings are spent on dividend by COLB. This is not a sustainable payout ratio.
The dividend of COLB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.99%
EPS Next 2Y4.29%
EPS Next 3Y4.45%
COLB Yearly Income VS Free CF VS DividendCOLB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
COLB Dividend Payout.COLB Dividend Payout, showing the Payout Ratio.COLB Dividend Payout.PayoutRetained Earnings

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COLUMBIA BANKING SYSTEM INC

NASDAQ:COLB (1/28/2025, 8:00:00 PM)

After market: 27.95 0 (0%)

27.95

-0.18 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)N/A N/A
Inst Owners93.72%
Inst Owner Change0.15%
Ins Owners0.67%
Ins Owner Change-1.24%
Market Cap5.86B
Analysts72.22
Price Target33.92 (21.36%)
Short Float %1.99%
Short Ratio2.78
Dividend
Industry RankSector Rank
Dividend Yield 5.15%
Yearly Dividend1.88
Dividend Growth(5Y)10.47%
DP61.99%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)9.7%
Max EPS beat(2)15.85%
EPS beat(4)3
Avg EPS beat(4)0.29%
Min EPS beat(4)-45.48%
Max EPS beat(4)21.09%
EPS beat(8)5
Avg EPS beat(8)-1.29%
EPS beat(12)7
Avg EPS beat(12)72.5%
EPS beat(16)11
Avg EPS beat(16)58.69%
Revenue beat(2)1
Avg Revenue beat(2)-0.79%
Min Revenue beat(2)-2.74%
Max Revenue beat(2)1.17%
Revenue beat(4)1
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)1.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.37%
Revenue beat(12)4
Avg Revenue beat(12)-2.43%
Revenue beat(16)6
Avg Revenue beat(16)-1.86%
PT rev (1m)4.2%
PT rev (3m)18.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.05%
EPS NY rev (1m)0%
EPS NY rev (3m)4.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.97%
Valuation
Industry RankSector Rank
PE 10.28
Fwd PE 10.12
P/S 2.99
P/FCF 12.32
P/OCF 11.82
P/B 1.11
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)2.72
EY9.73%
EPS(NY)2.76
Fwd EY9.88%
FCF(TTM)2.27
FCFY8.12%
OCF(TTM)2.36
OCFY8.46%
SpS9.36
BVpS25.17
TBVpS17.81
PEG (NY)6.81
PEG (5Y)34.63
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 9.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.67%
GM N/A
FCFM 24.23%
ROA(3y)0.98%
ROA(5y)0.97%
ROE(3y)9.57%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.31%
PM growth 5Y-3.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.27
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.45%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.8%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%61.36%
EPS Next Y1.51%
EPS Next 2Y4.29%
EPS Next 3Y4.45%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%-6.73%
Revenue Next Year3.39%
Revenue Next 2Y3.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-24.32%
OCF growth 3YN/A
OCF growth 5YN/A