Columbia Banking System, Inc. (COLB)
Overview
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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Key Information
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Capital Structure (Updated: Nov 05 04:00 PM EST)
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date (Estimated) | 2026-01-29 |
| Earnings Call (Estimated) | 2025-10-30 |
| Avg EPS Estimate | 0.7258 |
| Low EPS Estimate | 0.67 |
| High EPS Estimate | 0.7735 |
| Revenue | |
| Avg Revenue Forecast | 701,487,440 |
| Low Revenue Forecast | 684,700,000 |
| High Revenue Forecast | 723,000,000 |
COLB Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $2,343,000,064 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 0 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 0 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $3,072,999,936 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
COLB Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $0 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $0 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $0 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 0.00% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 47.85% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 24.98% | Net profit margin, which reflects overall profitability. |
COLB Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 0.00% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $3,072,999,936 | Used together with cash and EBITDA to assess debt-paying ability. |
COLB Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 9.50% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | -42.90% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for COLB (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $26.52 | Latest stock trading price |
| Price Target (High) | $33 | Analyst highest expected price |
| Price Target (Low) | $28 | Analyst lowest expected price |
| Price Target (Average) | $29.46 | Average target price across analysts |
| Price Target (Median) | $28 | Median of target prices |
| Average Rating Score | 2.54 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | hold | Consensus rating |
| Analyst Coverage Count | 13 | Number of analysts providing estimates |
| Cash Holdings | $2,343,000,064 | Total cash held by the company |
| Cash per Share | $7.83 | Cash value per outstanding share |
| Total Debt | $3,072,999,936 | Company's total debt |
| Quick Ratio | 0 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 0 | Overall short-term liquidity |
| Debt/Equity Ratio | 0.00% | Leverage ratio: Debt / Equity |
| EBITDA | $0 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $1,916,444,032 | Total company revenue |
| Revenue per Share | $8.866 | Total revenue divided by shares outstanding |
| Gross Profit | 0.00% | Revenue minus cost of goods sold |
| Return on Assets | 0.80% | Net income / Total assets |
| Return on Equity | 7.33% | Net income / Shareholder equity |
| Earnings Growth (YoY) | -42.90% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 9.50% | Year-over-year revenue growth |
| Gross Margin | 0.00% | Gross profit / Total revenue |
| EBITDA Margin | 0.00% | EBITDA / Revenue |
| Operating Margin | 47.85% | Operating income / Revenue |
| Profit Margin | 24.98% | Net income / Revenue |
| Free Cash Flow | $0 | Cash left after capital expenditures |
| Operating Cash Flow | $0 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |