Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Columbia Banking System, Inc.'s quarterly P/E stands at 9.7x, down 2.3% year-over-year.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.85 | 9.70 | 16.09 | 8.01 | 15.21 | 9.93 | 9.33 | 8.72 | 8.20 | 14.82 | 7.81 | 7.92 | — |
| — | -2.3% | +72.5% | -8.2% | +85.5% | -33.0% | +19.4% | +10.1% | — | -25.2% | -57.8% | -60.2% | — | |
| P/S Ratio | 2.19 | 2.19 | 1.88 | 1.67 | 1.84 | 1.95 | 1.79 | 1.40 | 1.38 | 1.84 | 1.43 | 1.48 | 1.58 |
| — | +12.4% | +5.3% | +18.9% | +33.4% | +5.8% | +24.9% | -5.0% | -12.8% | -56.6% | -69.7% | -70.4% | -71.6% | |
| P/B Ratio | 1.12 | 1.06 | 0.79 | 0.92 | 1.00 | 1.10 | 1.04 | 0.84 | 0.82 | 1.11 | 0.91 | 0.88 | 0.69 |
| — | -4.2% | -23.9% | +10.0% | +22.6% | -0.9% | +13.4% | -4.6% | +18.9% | -57.8% | -64.8% | -64.6% | -74.5% | |
| P/FCF | 9.97 | 8.01 | 5.95 | 14.43 | 10.75 | 5.88 | 22.95 | 7.23 | 5.63 | 15.07 | 2.99 | 3.97 | — |
| — | +36.2% | -74.1% | +99.7% | +91.1% | -61.0% | +666.6% | +82.0% | — | +32.9% | -39.4% | -22.5% | — | |
| EV / EBITDA | 11.76 | 8.50 | 11.26 | 7.48 | 10.17 | 8.40 | 8.32 | 8.50 | 7.78 | 12.09 | 7.45 | 8.90 | 13617.69 |
| — | +1.1% | +35.4% | -12.0% | +30.7% | -30.5% | +11.7% | -4.6% | -99.9% | -17.4% | -44.7% | -36.3% | +131327.5% | |
| EV / EBIT | 14.02 | 9.67 | 14.49 | 8.69 | 13.05 | 9.99 | 9.87 | 10.46 | 9.62 | 16.07 | 9.04 | 11.09 | — |
| — | -3.2% | +46.8% | -16.9% | +35.6% | -37.9% | +9.2% | -5.7% | — | +3.6% | -36.8% | -25.6% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Columbia Banking System, Inc.'s operating margin was 32.2% in Q4 2025, up 17.6 pp QoQ and up 5.7 pp YoY. The trailing four-quarter average of 22.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 19.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.7% | 75.6% | 62.7% | 65.5% | 65.0% | 63.2% | 61.1% | 59.5% | 62.2% | 61.3% | 66.0% | 71.0% | 61.0% |
| — | +19.7% | +2.5% | +10.1% | +4.6% | +3.0% | -7.3% | -16.2% | +1.8% | -22.8% | -24.1% | -22.4% | -36.6% | |
| Operating Margin | 23.4% | 32.2% | 14.6% | 27.7% | 17.4% | 26.5% | 25.7% | 21.8% | 23.0% | 16.8% | 24.9% | 25.0% | -3.6% |
| — | +21.5% | -43.2% | +27.2% | -24.6% | +57.8% | +3.2% | -13.1% | +745.4% | -42.2% | -25.8% | -25.8% | -109.3% | |
| Net Margin | 17.1% | 22.7% | 11.8% | 20.7% | 12.1% | 19.7% | 19.1% | 16.2% | 16.9% | 12.4% | 18.4% | 18.6% | -2.6% |
| — | +15.0% | -38.5% | +27.7% | -28.1% | +59.7% | +4.1% | -12.9% | +738.5% | -42.4% | -27.3% | -26.1% | -109.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.5% | 2.8% | 1.5% | 2.9% | 1.7% | 2.8% | 2.9% | 2.4% | 2.5% | 1.9% | 2.9% | 2.7% | -0.4% |
| — | -0.2% | -48.7% | +19.1% | -32.9% | +41.9% | -0.7% | -11.9% | +754.1% | -42.6% | -15.7% | -10.4% | -111.2% | |
| ROA | 0.9% | 0.3% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | -0.0% |
| — | +15.3% | -42.8% | +28.0% | -29.3% | +54.2% | +9.3% | -7.1% | +826.9% | -31.5% | -5.7% | -4.1% | -111.0% | |
| ROIC | 5.4% | 2.0% | 0.9% | 1.7% | 1.1% | 1.5% | 1.5% | 1.3% | 1.3% | 1.0% | 1.3% | 1.1% | -0.2% |
| — | +30.3% | -42.5% | +35.2% | -19.1% | +55.7% | +18.3% | +10.3% | +831.0% | -51.3% | -41.1% | -48.2% | -107.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Columbia Banking System, Inc.'s Debt/EBITDA ratio is 11.6x, down from 20.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 141.1% YoY to 0.22x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.51 | 0.51 | 0.39 | 0.77 | 0.63 | 0.76 | 0.83 | 0.93 | 0.94 | 0.95 | 1.04 | 1.47 | 1.39 |
| — | -32.9% | -52.4% | -17.7% | -33.1% | -20.0% | -20.2% | -36.6% | -32.1% | +37.5% | +52.3% | +254.3% | +260.8% | |
| Debt / EBITDA | 4.48 | 11.55 | 20.07 | 17.33 | 20.72 | 17.07 | 18.79 | 23.40 | 22.29 | 28.16 | 21.56 | 31.81 | 56869.60 |
| — | -32.3% | +6.8% | -25.9% | -7.1% | -39.4% | -12.8% | -26.4% | -100.0% | +95.3% | +54.8% | +241.6% | +733222.2% | |
| Current Ratio | 0.22 | 0.22 | 0.27 | 0.09 | 0.09 | 0.09 | 0.30 | 0.29 | 0.30 | 0.30 | 0.30 | 0.34 | 0.35 |
| — | +141.1% | -10.4% | -68.8% | -68.6% | -70.6% | -1.0% | -14.4% | -14.6% | +33.3% | +29.0% | +52.7% | +22.1% | |
| Quick Ratio | 0.22 | 0.22 | 0.27 | 0.09 | 0.09 | 0.09 | 0.30 | 0.29 | 0.30 | 0.30 | 0.30 | 0.34 | 0.35 |
| — | +141.1% | -10.4% | -68.8% | -68.6% | -70.6% | -1.0% | -14.4% | -14.6% | +33.3% | +29.0% | +52.7% | +22.1% | |
| Interest Coverage | 0.82 | 1.32 | 0.51 | 0.91 | 0.56 | 0.80 | 0.73 | 0.60 | 0.65 | 0.53 | 0.86 | 0.93 | -0.19 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Columbia Banking System, Inc.'s current P/E is 12.9x. The average P/E over the last 4 quarters is 12.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Columbia Banking System, Inc.'s current operating margin is 23.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Columbia Banking System, Inc.'s business trajectory between earnings reports.