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COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis

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

22.18  +0.23 (+1.05%)

After market: 22.18 0 (0%)

Fundamental Rating

4

Taking everything into account, COLB scores 4 out of 10 in our fundamental rating. COLB was compared to 398 industry peers in the Banks industry. While COLB is still in line with the averages on profitability rating, there are concerns on its financial health. COLB has a correct valuation and a medium growth rate. Finally COLB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

COLB had positive earnings in the past year.
In the past year COLB had a positive cash flow from operations.
In the past 5 years COLB has always been profitable.
Each year in the past 5 years COLB 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

COLB's Return On Assets of 1.03% is fine compared to the rest of the industry. COLB outperforms 70.10% of its industry peers.
COLB's Return On Equity of 10.43% is fine compared to the rest of the industry. COLB outperforms 72.11% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 10.43%
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

COLB has a better Profit Margin (27.66%) than 73.37% of its industry peers.
COLB's Profit Margin has declined in the last couple of years.
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) 27.66%
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.
Compared to 1 year ago, COLB has more shares outstanding
The number of shares outstanding for COLB has been increased compared to 5 years ago.
COLB has a worse debt/assets ratio than last year.
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 1.08, which is an excellent value as it means it would take COLB, only 1.08 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.08, COLB is in the better half of the industry, outperforming 74.62% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that COLB is not too dependend on debt financing.
COLB's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. COLB outperforms 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.08
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
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

COLB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.80%, which is quite good.
Measured over the past 5 years, COLB shows a small growth in Earnings Per Share. The EPS has been growing by 0.30% on average per year.
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 3.57% on average over the next years.
The Revenue is expected to grow by 3.23% on average over the next years.
EPS Next Y0.33%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
EPS Next 5YN/A
Revenue Next Year2.43%
Revenue Next 2Y3.09%
Revenue Next 3Y3.23%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

With a Price/Earnings ratio of 8.15, the valuation of COLB can be described as very reasonable.
Based on the Price/Earnings ratio, COLB is valued cheaply inside the industry as 87.69% of the companies are valued more expensively.
COLB is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.13, which indicates a very decent valuation of COLB.
Based on the Price/Forward Earnings ratio, COLB is valued a bit cheaper than the industry average as 78.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, COLB is valued rather cheaply.
Industry RankSector Rank
PE 8.15
Fwd PE 8.13
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

Based on the Price/Free Cash Flow ratio, COLB is valued a bit cheaper than the industry average as 78.64% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.48
EV/EBITDA N/A
COLB Per share dataCOLB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates COLB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)24.48
PEG (5Y)27.48
EPS Next 2Y3.59%
EPS Next 3Y3.57%

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8

5. Dividend

5.1 Amount

COLB has a Yearly Dividend Yield of 6.49%, which is a nice return.
The stock price of COLB dropped by -22.39% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
COLB's Dividend Yield is rather good when compared to the industry average which is at 3.66. COLB pays more dividend than 94.22% of the companies in the same industry.
COLB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 6.49%

5.2 History

The dividend of COLB has a limited annual growth rate of 0.43%.
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)0.43%
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 2025 0.5 1

5.3 Sustainability

COLB pays out 56.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
COLB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP56.26%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
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 (4/17/2025, 8:10:34 PM)

After market: 22.18 0 (0%)

22.18

+0.23 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners94.64%
Inst Owner Change0.09%
Ins Owners0.66%
Ins Owner Change-4.71%
Market Cap4.66B
Analysts73.33
Price Target32.83 (48.02%)
Short Float %3.49%
Short Ratio4.87
Dividend
Industry RankSector Rank
Dividend Yield 6.49%
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP56.26%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-28 2025-02-28 (0.36)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.33%
Min EPS beat(2)6.97%
Max EPS beat(2)9.7%
EPS beat(4)4
Avg EPS beat(4)13.4%
Min EPS beat(4)6.97%
Max EPS beat(4)21.09%
EPS beat(8)6
Avg EPS beat(8)0.03%
EPS beat(12)8
Avg EPS beat(12)73.8%
EPS beat(16)11
Avg EPS beat(16)56.99%
Revenue beat(2)1
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-3.09%
Max Revenue beat(2)1.17%
Revenue beat(4)1
Avg Revenue beat(4)-2%
Min Revenue beat(4)-3.32%
Max Revenue beat(4)1.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.03%
Revenue beat(12)4
Avg Revenue beat(12)-2.69%
Revenue beat(16)5
Avg Revenue beat(16)-2.2%
PT rev (1m)-0.84%
PT rev (3m)-3.21%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)-0.68%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-1.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 8.15
Fwd PE 8.13
P/S 2.42
P/FCF 7.48
P/OCF 7.07
P/B 0.91
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)2.72
EY12.26%
EPS(NY)2.73
Fwd EY12.3%
FCF(TTM)2.97
FCFY13.37%
OCF(TTM)3.14
OCFY14.14%
SpS9.18
BVpS24.36
TBVpS17.16
PEG (NY)24.48
PEG (5Y)27.48
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 10.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.66%
GM N/A
FCFM 32.3%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.08
Debt/EBITDA N/A
Cap/Depr 23.8%
Cap/Sales 1.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.22%
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)142.07%
Profit Quality(5y)131.78%
High Growth Momentum
Growth
EPS 1Y (TTM)8.8%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%61.36%
EPS Next Y0.33%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%-6.73%
Revenue Next Year2.43%
Revenue Next 2Y3.09%
Revenue Next 3Y3.23%
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-6.96%
FCF growth 3Y39.61%
FCF growth 5Y25.99%
OCF growth 1Y-1.64%
OCF growth 3Y40.99%
OCF growth 5Y26.34%