Columbia Banking System, Inc.
NASDAQ•COLB
CEO: Mr. Cort Lane O'Haver
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1992-06-16
Columbia Banking System, Inc. operates as the holding company of Umpqua Bank that provides banking, private banking, mortgage, and other financial services in the United States. The company offers deposit products, including business, non-interest bearing checking, interest-bearing checking and savings, money market, and certificate of deposit accounts; and insured cash sweep and other investment sweep solutions. It also provides commercial lending products, such as commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, commercial property loans, multifamily loans, equipment loans, commercial equipment leases, real estate construction loans and permanent financing, and small business administration program financing, as well as capital markets. In addition, the company offers wealth management comprising financial planning, investment, trust, and insurance; treasury management, which includes digital and mobile banking solutions, ACH, wires, positive pay, remote deposit capture, integrated payments, integrated receivables, lockbox, cash vault, real-time payments, commercial card, and foreign exchange and international banking related products, as well as merchant services; and brokerage services, residential real estate loans and consumer loans. It serves its products to corporate, institutional, small business, and individual customers. The company was founded in 1953 and is headquartered in Tacoma, Washington.
Contact Information
1301 A Street, Suite 800 P.O. Box 2156, Tacoma, WA, 98402-4200, United States
253-305-1900
Market Cap
$7.08B
P/E (TTM)
13.2
23.4
Dividend Yield
4.9%
52W High
$32.70
52W Low
$21.91
52W Range
Rank34Top 27.8%
4.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$851.00M+0.00%
4-Quarter Trend
EPS
$0.66+0.00%
4-Quarter Trend
FCF
$477.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Pacific Premier Acquisition Closed Acquisition closed August 2025, adding $10.1B loans and $12.5B deposits; integration on track for Q1 2026.
Net Interest Margin Improved NIM rose 26 basis points to 3.83% (tax equivalent) driven by lower funding costs and favorable mix shift.
Capital Ratios Strengthened CET1 ratio increased to 11.8% (2025) from 10.54% (2024), well exceeding regulatory minimums post-acquisition.
Total Assets Increased 30% Consolidated assets reached $66.8B, up $15.2B from 2024, primarily due to the Pacific Premier business combination.
Risk Factors
Integration Cost and Synergies Risk Realizing anticipated cost savings and revenue synergies from the Pacific Premier acquisition may take longer than expected.
Credit Quality Deterioration Risk Non-performing assets increased to $200M, reflecting acquired portfolio risks; ACL provision rose to $150M in 2025.
Interest Rate Sensitivity Exposure EVE analysis shows a liability-sensitive profile, meaning rising rates could decrease economic value of equity.
Cybersecurity Incident Exposure Past security incident (MOVEit) resulted in litigation; ongoing cyber threats pose risks to operations and reputation.
Outlook
Integration Completion Expected Systems conversion and branch consolidations are expected to finalize in the first quarter of 2026, realizing cost savings by June 2026.
Deposit Mix Management Focus Management targets lower funding contribution from wholesale sources like brokered deposits to sustain NIM performance.
Credit Loss Forecast Sensitivity ACL models are highly sensitive to economic forecasts; future provisions depend on unemployment rates and GDP growth projections.
Capital Deployment Strategy Capital deployment focuses on organic growth, maintaining strong regulatory ratios, and returning capital via dividends and repurchases.
Peer Comparison
Revenue (TTM)
$4.60B
$4.01B
$3.52B
Gross Margin (Latest Quarter)
96.5%
75.2%
75.1%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| VLY | $7.51B | 11.5 | 8.5% | 4.7% |
| PNFP | $7.47B | 11.5 | 7.4% | 4.9% |
| COLB | $7.08B | 13.2 | 9.2% | 6.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
5.0%
Moderate Growth
4Q Net Income CAGR
8.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Jul 23, 2026
EPS:$0.73
|Revenue:$689.54M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data