Columbia Banking Financials

COLB Stock  USD 20.78  1.04  4.77%   
Columbia Banking System may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Columbia Banking's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 3.8 B, whereas Net Debt is projected to grow to (471.8 M). Key indicators impacting Columbia Banking's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.550.7159
Way Down
Pretty Stable
Current Ratio0.310.32
Sufficiently Down
Slightly volatile
Investors should never underestimate Columbia Banking's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Columbia Banking's cash flow, debt, and profitability to make informed and accurate decisions about investing in Columbia Banking System.

Net Income

560.36 Million

  
Understanding current and past Columbia Banking Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Columbia Banking's financial statements are interrelated, with each one affecting the others. For example, an increase in Columbia Banking's assets may result in an increase in income on the income statement.
Please note, the presentation of Columbia Banking's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Columbia Banking's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Columbia Banking's management manipulating its earnings.

Columbia Banking Stock Summary

Columbia Banking competes with Glacier Bancorp, CVB Financial, First Financial, First Interstate, and Eagle Bancorp. 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. The company was founded in 1993 and is headquartered in Tacoma, Washington. Columbia Banking operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2260 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1972361026
CUSIP197236102
LocationWashington; U.S.A
Business Address1301 A Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.columbiabankingsystem.com
Phone253 305 1900
CurrencyUSD - US Dollar

Columbia Banking Key Financial Ratios

Columbia Banking Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets29.2B30.6B31.8B52.2B51.6B54.2B
Net Debt(1.3B)(2.3B)114.7M2.3B(496.7M)(471.8M)
Retained Earnings(932.8M)(697.3M)(543.8M)(467.6M)(237.3M)(225.4M)
Cash2.6B2.8B1.3B2.2B496.7M690.2M
Other Assets18.9B18.2B19.3B39.2M48.6B51.1B
Net Receivables1.5B1.5B64.9M1.7B2.0B2.1B
Total Liab1.2B487.2M29.4B47.2B46.5B48.8B
Total Current Assets7.0B8.1B4.9B2.2B496.7M471.8M
Short Term Debt85.1M100.5M1.1B286.0M328.9M177.4M
Other Current Assets709.2M881.1M356.6M2.2B2.5B2.5B
Accounts Payable10.7B13.9B18.0B27.1B31.1B32.7B
Other Current Liab13.8B17.9B16.6B32.6B37.5B39.4B
Common Stock3.5B3.4B3.5B5.8B5.8B6.1B
Other Liab99.5M250.9M232.8M313.9M361.0M379.0M
Long Term Debt35.1M27.7M974.6M4.4B3.5B3.7B
Inventory(709.2M)(881.1M)(2.0B)(1.2B)(1.1B)(1.1B)
Intangible Assets106.3M132.5M189.8M712.9M592.6M622.2M
Net Tangible Assets1.4B1.6B1.7B1.4B1.6B1.2B
Long Term Debt Total35.5M35.3M35.1M20.3M18.3M22.7M

Columbia Banking Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense130.1M42.4M78.0M746.2M1.0B1.1B
Total Revenue1.3B1.3B547.6M2.5B2.8B2.9B
Gross Profit1.3B1.3B547.6M2.5B2.8B2.9B
Operating Income(1.5B)558.2M386.2M471.2M2.7B2.9B
Ebit(1.5B)543.7M451.9M471.2M541.9M569.0M
Ebitda(1.5B)562.7M478.9M471.2M541.9M569.0M
Net Income(1.5B)420.3M336.8M348.7M533.7M560.4M
Income Tax Expense67M137.9M113.8M122.5M185.1M194.3M
Income Before Tax(1.5B)558.2M450.6M471.2M718.8M754.7M
Tax Provision38.1M53.7M67.5M118.4M185.1M194.3M
Net Interest Income500.1M527.5M622.8M1.6B1.7B1.8B
Interest Income517.8M536.1M646.5M2.2B2.7B2.9B

Columbia Banking Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.2B188.4M(1.5B)867.9M(284.3M)(270.1M)
Free Cash Flow81.8M647.2M1.0B669.8M658.9M691.8M
Depreciation37.5M31.5M28.3M144.3M71.4M75.0M
Other Non Cash Items1.9B15.4M276.1M265.0M2.5M2.4M
Capital Expenditures12.0M15.5M27.1M85.5M35.7M21.3M
Net Income(1.5B)420.3M336.8M348.7M533.7M560.4M
End Period Cash Flow2.6B2.8B1.3B2.2B1.9B2.0B
Dividends Paid185.0M183.7M182.3M270.3M300.2M315.2M
Investments(1.9B)(2.5B)(424.8M)4.1M114.6M120.3M
Change Receivables(1.5M)(8.0M)4.0M(8.9M)(8.0M)(7.6M)
Net Borrowings557.3M(936.6M)(22.8M)956.2M1.1B1.2B
Change To Netincome(13.3M)47.9M29.0M15.1M17.4M20.0M

Columbia Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Columbia Banking's current stock value. Our valuation model uses many indicators to compare Columbia Banking value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Columbia Banking competition to find correlations between indicators driving Columbia Banking's intrinsic value. More Info.
Columbia Banking System is rated fifth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Columbia Banking System is roughly  10.24 . At present, Columbia Banking's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Columbia Banking's earnings, one of the primary drivers of an investment's value.

Columbia Banking System Systematic Risk

Columbia Banking's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Columbia Banking volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Columbia Banking System correlated with the market. If Beta is less than 0 Columbia Banking generally moves in the opposite direction as compared to the market. If Columbia Banking Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Columbia Banking System is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Columbia Banking is generally in the same direction as the market. If Beta > 1 Columbia Banking moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Columbia Banking Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Columbia Banking's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Columbia Banking growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.33

At present, Columbia Banking's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Columbia Banking April 6, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Columbia Banking help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Columbia Banking System. We use our internally-developed statistical techniques to arrive at the intrinsic value of Columbia Banking System based on widely used predictive technical indicators. In general, we focus on analyzing Columbia Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Columbia Banking's daily price indicators and compare them against related drivers.

Complementary Tools for Columbia Stock analysis

When running Columbia Banking's price analysis, check to measure Columbia Banking's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Columbia Banking is operating at the current time. Most of Columbia Banking's value examination focuses on studying past and present price action to predict the probability of Columbia Banking's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Columbia Banking's price. Additionally, you may evaluate how the addition of Columbia Banking to your portfolios can decrease your overall portfolio volatility.
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