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6Apr 23, 2026·SEC
Mar 31, 2026·SEC
Feb 13, 2026·SEC
Columbia Banking System, Inc. (COLB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Columbia Banking System, Inc. (COLB) stock price & volume — 10-year historical chart
Columbia Banking System, Inc. (COLB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Columbia Banking System, Inc. (COLB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.72vs $0.68+5.9% | $675Mvs $677M-0.3% |
| Q1 2026 | Jan 22, 2026 | $0.82vs $0.72+13.9% | $715Mvs $695M+2.8% |
| Q4 2025 | Oct 30, 2025 | $0.85vs $0.70+21.4% | $582Mvs $575M+1.3% |
| Q3 2025 | Jul 24, 2025 | $0.76vs $0.66+14.8% | $511Mvs $493M+3.6% |
Columbia Banking System, Inc. (COLB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Columbia Banking System, Inc. (COLB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Columbia Banking System, Inc. (COLB) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 864.19M | 936.65M | 918.37M | 879.9M | 918.33M | 1.07B | 1.78B | 1.71B | 1.99B |
NII Growth % | 3.28% | 8.38% | -1.95% | -4.19% | 4.37% | 16.47% | 66.43% | -4.14% | 16.8% |
Net Interest Margin % | 3.36% | 3.48% | 3.18% | 3.01% | 3% | 3.36% | 3.41% | 3.31% | 2.97% |
Interest Income | 936.61M | 1.07B | 1.13B | 1.01B | 960.73M | 1.15B | 2.53B | 2.74B | 2.91B |
Interest Expense | 78.22M | 128.51M | 210.44M | 130.11M | 42.4M | 78M | 746.16M | 1.04B | 912.49M |
Loan Loss Provision | 47.25M | 55.91M | 72.52M | 204.86M | -42.65M | 84.02M | 213.2M | 105.92M | 126.85M |
Non-Interest Income | 286.33M | 281.4M | 342.09M | 414.62M | 357.64M | 199.97M | 217.03M | 222.93M | 308.07M |
Non-Interest Income % | 23.41% | 20.9% | 23.26% | 29.1% | 27.13% | 14.84% | 7.91% | 7.52% | 9.59% |
Total Revenue | 1.22B▲ 0% | 1.35B▲ 10.1% | 1.47B▲ 9.2% | 1.42B▼ 3.1% | 1.32B▼ 7.5% | 1.35B▲ 2.2% | 2.74B▲ 103.6% | 2.97B▲ 8.1% | 3.21B▲ 8.3% |
Revenue Growth % | 1.39% | 10.11% | 9.23% | -3.15% | -7.46% | 2.21% | 103.57% | 8.13% | 8.35% |
Non-Interest Expense | 748.43M | 739.47M | 719.04M | 2.55B | 760.46M | 734.95M | 1.31B | 1.1B | 1.42B |
Efficiency Ratio | 61.2% | 54.91% | 48.88% | 178.72% | 57.68% | 54.54% | 47.85% | 37.24% | 44.28% |
Operating Income | 349.04M▲ 0% | 422.69M▲ 21.1% | 468.9M▲ 10.9% | -1.46B▼ 410.6% | 558.16M▲ 138.3% | 450.58M▼ 19.3% | 471.2M▲ 4.6% | 718.75M▲ 52.5% | 751.31M▲ 4.5% |
Operating Margin % | 28.54% | 31.39% | 31.88% | -102.23% | 42.34% | 33.44% | 17.18% | 24.23% | 23.38% |
Operating Income Growth % | -3.32% | 21.1% | 10.93% | -410.6% | 138.32% | -19.27% | 4.58% | 52.54% | 4.53% |
Pretax Income | 349.04M▲ 0% | 422.69M▲ 21.1% | 468.9M▲ 10.9% | -1.46B▼ 410.6% | 558.16M▲ 138.3% | 450.58M▼ 19.3% | 471.2M▲ 4.6% | 718.75M▲ 52.5% | 728.31M▲ 1.3% |
Pretax Margin % | 28.54% | 31.39% | 31.88% | -102.23% | 42.34% | 33.44% | 17.18% | 24.23% | 22.66% |
Income Tax | 106.73M | 106.42M | 114.81M | 67M | 137.86M | 113.83M | 122.48M | 185.07M | 178.28M |
Effective Tax Rate % | 30.58% | 25.18% | 24.48% | -4.6% | 24.7% | 25.26% | 25.99% | 25.75% | 24.48% |
Net Income | 242.31M▲ 0% | 316.26M▲ 30.5% | 354.1M▲ 12.0% | -1.52B▼ 530.2% | 420.3M▲ 127.6% | 336.75M▼ 19.9% | 348.71M▲ 3.6% | 533.67M▲ 53.0% | 550.03M▲ 3.1% |
Net Margin % | 19.81% | 23.49% | 24.07% | -106.93% | 31.88% | 24.99% | 12.71% | 17.99% | 17.11% |
Net Income Growth % | 5.32% | 30.52% | 11.96% | -530.23% | 127.59% | -19.88% | 3.55% | 53.04% | 3.06% |
Net Income (Continuing) | 242.31M | 316.26M | 354.1M | -1.52B | 420.3M | 336.75M | 348.71M | 533.67M | 550.03M |
EPS (Diluted) | 1.12▲ 0% | 1.43▲ 27.7% | 1.60▲ 11.9% | -6.92▼ 532.5% | 1.91▲ 127.6% | 1.55▼ 18.8% | 1.78▲ 14.8% | 2.55▲ 43.3% | 2.30▼ 9.8% |
EPS Growth % | 6.67% | 27.68% | 11.89% | -532.5% | 127.6% | -18.85% | 14.84% | 43.26% | -9.8% |
EPS (Basic) | 1.12 | 1.44 | 1.61 | -6.92 | 1.92 | 1.55 | 1.79 | 2.56 | 2.31 |
Diluted Shares Outstanding | 220.84M | 220.74M | 220.65M | 220.22M | 219.58M | 217.4M | 195.87M | 209.34M | 296.76M |
Columbia Banking System, Inc. (COLB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 3.7B | 3.6B | 4.18B | 5.51B | 6.63B | 4.49B | 10.99B | 2.08B | 511M |
Cash & Due from Banks | 634.28M | 622.64M | 1.36B | 2.57B | 2.76B | 1.29B | 2.16B | 1.87B | 511M |
Short Term Investments | 3.07B | 2.98B | 2.81B | 2.93B | 3.87B | 3.2B | 8.83B | 211.46M | 0 |
Total Investments | 21.09B | 22.23B | 23.15B | 24.14B | 25.34B | 27.52B | 44.21B | 44.02B | 61.27B |
Investments Growth % | 7.7% | 5.41% | 4.15% | 4.26% | 4.97% | 8.63% | 60.64% | -0.43% | 39.18% |
Long-Term Investments | 18.02B | 19.25B | 20.33B | 21.2B | 21.47B | 24.33B | 35.38B | 43.81B | 61.27B |
Accounts Receivables | 64.04M | 70.53M | 70.21M | 83.8M | 70.54M | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 1.97B | 1.98B | 1.92B | 108.98M | 132.46M | 189.76M | 1.74B | 1.62B | 2.19B |
Goodwill | 1.79B | 1.79B | 1.79B | 2.71M | 0 | 0 | 1.03B | 1.03B | 1.48B |
Intangible Assets | 183.28M | 192.99M | 133.36M | 106.27M | 132.46M | 189.76M | 712.92M | 592.61M | 712M |
PP&E (Net) | 269.18M | 227.42M | 312.18M | 282.99M | 253.49M | 254.61M | 454.78M | 459.9M | 422M |
Other Assets | 443.84M | 442.53M | 508.38M | 529.11M | 538.12M | 706.09M | 1.53B | 1.58B | 1.7B |
Total Current Assets | 4.98B | 5.04B | 5.77B | 7.11B | 8.25B | 6.24B | 12.72B | 3.74B | 743M |
Total Non-Current Assets | 20.7B | 21.9B | 23.08B | 22.12B | 22.39B | 25.61B | 39.46B | 47.83B | 66.47B |
Total Assets | 25.74B▲ 0% | 26.94B▲ 4.7% | 28.85B▲ 7.1% | 29.24B▲ 1.3% | 30.64B▲ 4.8% | 31.85B▲ 3.9% | 52.17B▲ 63.8% | 51.58B▼ 1.1% | 67.22B▲ 30.3% |
Asset Growth % | 3.75% | 4.65% | 7.08% | 1.35% | 4.81% | 3.94% | 63.82% | -1.14% | 30.33% |
Return on Assets (ROA) | 0.96% | 1.2% | 1.27% | -5.25% | 1.4% | 1.08% | 0.83% | 1.03% | 0.93% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 1.47B | 1.44B | 1.7B | 1.6B | 975.13M | 1.72B | 4.76B | 3.9B | 4.01B |
Net Debt | 840.14M | 815.9M | 337.92M | -969.24M | -1.79B | 423.45M | 2.6B | 2.03B | 3.5B |
Long-Term Debt | 1.18B | 1.14B | 1.27B | 1.11B | 387.45M | 1.32B | 4.37B | 3.54B | 435M |
Short-Term Debt | 294.3M | 297.15M | 311.31M | 375.38M | 492.25M | 308.77M | 252.12M | 236.63M | 3.45B |
Other Liabilities | 0 | 0 | 297.78M | 299.01M | 317.5M | 585.11M | 814.51M | 836.54M | 54.98B |
Total Current Liabilities | 20.24B | 21.43B | 22.79B | 25B | 27.09B | 27.37B | 41.86B | 41.96B | 3.45B |
Total Non-Current Liabilities | 1.47B | 1.45B | 1.74B | 1.53B | 804.73M | 1.99B | 5.32B | 4.5B | 55.92B |
Total Liabilities | 21.73B | 22.88B | 24.53B | 26.53B | 27.89B | 29.37B | 47.18B | 46.46B | 59.38B |
Total Equity | 3.97B▲ 0% | 4.06B▲ 2.2% | 4.31B▲ 6.3% | 2.7B▼ 37.3% | 2.75B▲ 1.7% | 2.48B▼ 9.8% | 5B▲ 101.4% | 5.12B▲ 2.5% | 7.84B▲ 53.2% |
Equity Growth % | 1.34% | 2.19% | 6.35% | -37.31% | 1.65% | -9.8% | 101.43% | 2.47% | 53.18% |
Equity / Assets (Capital Ratio) | 15.42% | 15.06% | 14.95% | 9.25% | 8.97% | 7.79% | 9.57% | 9.92% | 11.66% |
Return on Equity (ROE) | 6.15% | 7.88% | 8.46% | -43.41% | 15.41% | 12.88% | 9.33% | 10.55% | 8.49% |
Book Value per Share | 17.97 | 18.38 | 19.55 | 12.28 | 12.52 | 11.41 | 25.50 | 24.45 | 26.42 |
Tangible BV per Share | 9.05 | 9.40 | 10.84 | 11.79 | 11.92 | 10.53 | 16.61 | 16.70 | 19.03 |
Common Stock | 3.52B | 3.51B | 3.51B | 3.51B | 3.44B | 3.45B | 5.8B | 5.82B | 8.1B |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 477.1M | 602.48M | 770.37M | -932.77M | -697.34M | -543.8M | -467.57M | -237.25M | -26M |
Accumulated OCI | -24.99M | -58.91M | 29.55M | 122.75M | 1.76M | -426.86M | -340.14M | -461.98M | -233M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Columbia Banking System, Inc. (COLB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 515.51M | 505.24M | -80.48M | 93.77M | 662.72M | 1.07B | 669.84M | 658.87M | 746M |
Operating CF Growth % | 24.17% | -1.99% | -115.93% | 216.52% | 606.72% | 60.7% | -37.11% | -1.64% | 13.22% |
Net Income | 242.31M | 316.26M | 354.1M | -1.52B | 420.3M | 336.75M | 348.71M | 533.67M | 550M |
Depreciation & Amortization | 57.97M | 52.34M | 43.29M | 37.47M | 31.5M | 28.3M | 144.25M | 149.87M | 141M |
Deferred Taxes | 77.43M | 18.81M | -3.54M | -62.94M | 40.8M | 14.38M | 12.89M | 30.84M | 54M |
Other Non-Cash Items | 198.03M | 148.2M | -344.34M | 1.83B | 15.44M | 276.07M | 264.98M | -35.52M | 122M |
Working Capital Changes | -69.85M | -37.89M | -138.35M | -200.67M | 143.77M | 399.76M | -119.07M | -40.42M | -154M |
Cash from Investing | -2B | -1.5B | -550.15M | -960.11M | -1.53B | -3.53B | 501.74M | 114.57M | 2.17B |
Purchase of Investments | -1.2B | -494.96M | -918.17M | -887.7M | -1.84B | -276.81M | -926.22M | -69.61M | -2.4B |
Sale/Maturity of Investments | 560.27M | 440.73M | 1B | 828.75M | 761.25M | 396.1M | 1.69B | 552.37M | 2.77B |
Net Investment Activity | -635.72M | -54.23M | 82.91M | -58.94M | -1.08B | 119.29M | 768.63M | 482.76M | 369M |
Acquisitions | 0 | -35.22M | -44.65M | -171.44M | 10.78M | 0 | 274.59M | 0 | 874M |
Other Investing | -1.36B | -1.4B | -575.17M | -717.74M | -451.9M | -3.63B | -582.17M | -332.52M | 969M |
Cash from Financing | 666.76M | 982.3M | 1.37B | 2.08B | 1.06B | 1B | -303.69M | -1.06B | -2.42B |
Dividends Paid | -145.4M | -173.91M | -185.1M | -184.98M | -183.73M | -182.27M | -270.26M | -300.22M | -335M |
Share Repurchases | -8.61M | -12.96M | -7.27M | -8.65M | -80.69M | -4.16M | -6.28M | -5.71M | -109M |
Stock Issued | 0 | 0 | 21K | 0 | 34K | 54K | 1.19M | 0 | 3M |
Net Stock Activity | -8.61M | -12.96M | -7.25M | -8.65M | -80.66M | -4.11M | -5.1M | -5.71M | -106M |
Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 870.77M | 1.23B | 1.41B | 2.41B | 2.09B | 287.52M | -777.8M | 98.22M | -2.04B |
Net Change in Cash | -815.15M▲ 0% | -11.64M▲ 98.6% | 740.12M▲ 6456.8% | 1.21B▲ 63.5% | 188.44M▼ 84.4% | -1.47B▼ 878.5% | 867.89M▲ 159.2% | -284.28M▼ 132.8% | 502M▲ 276.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 1.45B | 634.28M | 622.64M | 1.36B | 2.57B | 2.76B | 1.29B | 2.16B | 1.88B |
Cash at End | 634.28M | 622.64M | 1.36B | 2.57B | 2.76B | 1.29B | 2.16B | 1.88B | 2.38B |
Interest Paid | 80.02M | 124.33M | 209.53M | 136.02M | 42.82M | 71.21M | 692.99M | 1.08B | 930M |
Income Taxes Paid | 30.09M | 71.98M | 129.62M | 130.23M | 105.12M | 71.8M | 138.91M | 101.48M | 123M |
Free Cash Flow | 511.23M▲ 0% | 496.25M▼ 2.9% | -93.16M▼ 118.8% | 81.79M▲ 187.8% | 647.25M▲ 691.4% | 1.04B▲ 60.4% | 669.84M▼ 35.5% | 623.2M▼ 7.0% | 706M▲ 13.3% |
FCF Growth % | 32.84% | -2.93% | -118.77% | 187.8% | 691.37% | 60.36% | -35.46% | -6.96% | 13.29% |
Columbia Banking System, Inc. (COLB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 5.92% | 6.15% | 7.88% | 8.46% | -43.41% | 15.41% | 12.88% | 9.33% | 10.55% | 8.49% |
Return on Assets (ROA) | 0.95% | 0.96% | 1.2% | 1.27% | -5.25% | 1.4% | 1.08% | 0.83% | 1.03% | 0.93% |
Net Interest Margin | 3.37% | 3.36% | 3.48% | 3.18% | 3.01% | 3% | 3.36% | 3.41% | 3.31% | 2.97% |
Efficiency Ratio | 61.14% | 61.2% | 54.91% | 48.88% | 178.72% | 57.68% | 54.54% | 47.85% | 37.24% | 44.28% |
Equity / Assets | 15.79% | 15.42% | 15.06% | 14.95% | 9.25% | 8.97% | 7.79% | 9.57% | 9.92% | 11.66% |
Book Value / Share | 17.73 | 17.97 | 18.38 | 19.55 | 12.28 | 12.52 | 11.41 | 25.5 | 24.45 | 26.42 |
NII Growth | -3.93% | 3.28% | 8.38% | -1.95% | -4.19% | 4.37% | 16.47% | 66.43% | -4.14% | 16.8% |
Dividend Payout | 61.32% | 60% | 54.99% | 52.27% | - | 43.71% | 54.13% | 77.5% | 56.26% | 60.91% |
Columbia Banking System, Inc. (COLB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Mar 31, 2026·SEC
Feb 13, 2026·SEC
Columbia Banking System, Inc. (COLB) stock FAQ — growth, dividends, profitability & financials explained
Columbia Banking System, Inc. (COLB) grew revenue by 8.3% over the past year. This is steady growth.
Yes, Columbia Banking System, Inc. (COLB) is profitable, generating $550.0M in net income for fiscal year 2025 (17.1% net margin).
Yes, Columbia Banking System, Inc. (COLB) pays a dividend with a yield of 3.70%. This makes it attractive for income-focused investors.
Columbia Banking System, Inc. (COLB) has a return on equity (ROE) of 8.5%. This is below average, suggesting room for improvement.
Columbia Banking System, Inc. (COLB) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
Columbia Banking System, Inc. (COLB) has an efficiency ratio of 44.3%. This is excellent, indicating strong cost control.