(COLB) Columbia Banking System - Overview
Stock: Deposits, Commercial Loans, Wealth Management, Treasury Services, Consumer Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.56% |
| Yield on Cost 5y | 4.57% |
| Yield CAGR 5y | -7.49% |
| Payout Consistency | 84.8% |
| Payout Ratio | 46.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 37.0% |
| Relative Tail Risk | -16.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.55 |
| Alpha | 2.32 |
| Character TTM | |
|---|---|
| Beta | 1.112 |
| Beta Downside | 1.317 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.46% |
| CAGR/Max DD | 0.15 |
Description: COLB Columbia Banking System January 10, 2026
Columbia Banking System, Inc. (NASDAQ: COLB) is the holding company for Columbia Bank, a full-service regional bank headquartered in Tacoma, Washington, that offers deposit, loan, wealth-management, and treasury-management solutions to corporate, institutional, small-business, and individual clients across the United States.
Key operating segments include commercial lending (lines of credit, term loans, trade finance, equipment and construction financing), residential and consumer mortgages, and wealth-management services (financial planning, trust, insurance). The bank also provides a suite of digital treasury tools such as ACH, real-time payments, remote deposit capture, and foreign-exchange services.
Recent performance metrics (Q4 2023) show a 5.2 % year-over-year increase in total loans to $2.3 bn, a net interest margin of 3.1 %-slightly above the regional-bank average of 2.9 %-and a deposit growth rate of 4.7 % driven by higher savings balances in a rising-rate environment. The sector’s outlook remains tied to the Federal Reserve’s policy path; higher rates generally boost net interest income but can pressure loan demand and credit quality.
For a deeper dive into COLB’s valuation and risk profile, ValueRay’s concise dashboard offers useful, data-driven insights worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 550.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -1725 % < 20% (prev -1288 %; Δ -436.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 720.8m > Net Income 550.0m |
| Net Debt (-511.0m) to EBITDA (895.3m): -0.57 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (296.8m) vs 12m ago 41.76% < -2% |
| Gross Margin: 67.66% > 18% (prev 0.61%; Δ 6704 % > 0.5%) |
| Asset Turnover: 5.43% > 50% (prev 5.75%; Δ -0.32% > 0%) |
| Interest Coverage Ratio: 0.82 > 6 (EBITDA TTM 895.3m / Interest Expense TTM 912.5m) |
Altman Z'' -5.22
| A: -0.83 (Total Current Assets 511.0m - Total Current Liabilities 55.94b) / Total Assets 66.83b |
| B: -0.00 (Retained Earnings -26.0m / Total Assets 66.83b) |
| C: 0.01 (EBIT TTM 751.3m / Avg Total Assets 59.20b) |
| D: 0.13 (Book Value of Equity 7.84b / Total Liabilities 58.99b) |
| Altman-Z'' Score: -5.22 = D |
What is the price of COLB shares?
Over the past week, the price has changed by +8.93%, over one month by +10.62%, over three months by +22.99% and over the past year by +18.80%.
Is COLB a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 8
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the COLB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32.4 | 0.9% |
| Analysts Target Price | 32.4 | 0.9% |
| ValueRay Target Price | 36.7 | 14.5% |
COLB Fundamental Data Overview February 01, 2026
P/E Forward = 9.8039
P/S = 4.094
P/B = 1.1093
P/EG = 2.26
Revenue TTM = 3.21b USD
EBIT TTM = 751.3m USD
EBITDA TTM = 895.3m USD
Long Term Debt = 2.74b USD (from longTermDebt, two quarters ago)
Short Term Debt = 167.0m USD (from shortTermDebt, two quarters ago)
Debt = 3.07b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -511.0m USD (from netDebt column, last quarter)
Enterprise Value = 11.37b USD (8.81b + Debt 3.07b - CCE 511.0m)
Interest Coverage Ratio = 0.82 (Ebit TTM 751.3m / Interest Expense TTM 912.5m)
EV/FCF = 16.12x (Enterprise Value 11.37b / FCF TTM 705.2m)
FCF Yield = 6.20% (FCF TTM 705.2m / Enterprise Value 11.37b)
FCF Margin = 21.94% (FCF TTM 705.2m / Revenue TTM 3.21b)
Net Margin = 17.11% (Net Income TTM 550.0m / Revenue TTM 3.21b)
Gross Margin = 67.66% ((Revenue TTM 3.21b - Cost of Revenue TTM 1.04b) / Revenue TTM)
Gross Margin QoQ = 75.63% (prev 62.67%)
Tobins Q-Ratio = 0.17 (Enterprise Value 11.37b / Total Assets 66.83b)
Interest Expense / Debt = 7.52% (Interest Expense 231.0m / Debt 3.07b)
Taxrate = 23.76% (67.0m / 282.0m)
NOPAT = 572.8m (EBIT 751.3m * (1 - 23.76%))
Current Ratio = 0.01 (Total Current Assets 511.0m / Total Current Liabilities 55.94b)
Debt / Equity = 0.39 (Debt 3.07b / totalStockholderEquity, last quarter 7.84b)
Debt / EBITDA = -0.57 (Net Debt -511.0m / EBITDA 895.3m)
Debt / FCF = -0.72 (Net Debt -511.0m / FCF TTM 705.2m)
Total Stockholder Equity = 6.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 550.0m / Total Assets 66.83b)
RoE = 8.39% (Net Income TTM 550.0m / Total Stockholder Equity 6.55b)
RoCE = 8.09% (EBIT 751.3m / Capital Employed (Equity 6.55b + L.T.Debt 2.74b))
RoIC = 6.17% (NOPAT 572.8m / Invested Capital 9.29b)
WACC = 8.90% (E(8.81b)/V(11.88b) * Re(10.01%) + D(3.07b)/V(11.88b) * Rd(7.52%) * (1-Tc(0.24)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 19.23%
[DCF Debug] Terminal Value 72.14% ; FCFF base≈613.3m ; Y1≈526.6m ; Y5≈411.2m
Fair Price DCF = 23.32 (EV 6.38b - Net Debt -511.0m = Equity 6.89b / Shares 295.4m; r=8.90% [WACC]; 5y FCF grow -17.18% → 2.90% )
EPS Correlation: 8.10 | EPS CAGR: 2.78% | SUE: 0.48 | # QB: 0
Revenue Correlation: 85.65 | Revenue CAGR: 34.05% | SUE: 3.38 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.69 | Chg30d=-0.001 | Revisions Net=+1 | Analysts=13
EPS current Year (2026-12-31): EPS=3.06 | Chg30d=+0.044 | Revisions Net=-1 | Growth EPS=-2.1% | Growth Revenue=+20.8%
EPS next Year (2027-12-31): EPS=3.36 | Chg30d=+0.108 | Revisions Net=+1 | Growth EPS=+9.9% | Growth Revenue=+2.9%