A Business at a Glance
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In this Annual Report on Form 10-K, we refer to Columbia Banking System, Inc. as the "Company," "Columbia," "we," "us," "our," or similar references. Forward-Looking Statements This Annual Report on Form 10-K contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, which are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. These statements may include statements that expressly or implicitly predict future results, performance, or events. Statements other than statements of historical fact are forward-looking statements. You can find many of these statements by looking for words such as "anticipates," "expects," "believes," "estimates," "intends," "forecast," and words or phrases of similar meaning.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.2B | 3.2B | 3.0B | 2.7B | 1.3B | 1.3B |
| Net Income | 549M | 549M | 534M | 349M | 337M | 420M |
| EPS | $2.30 | $2.30 | $2.55 | $1.78 | $0.87 | $1.07 |
| Free Cash Flow | 706M | 706M | 623M | 629M | 1.0B | 647M |
| ROIC | 2.8% | 3.6% | 3.3% | 2.8% | 10.2% | 14.7% |
| Gross Margin | 72.1% | 72.1% | 69.4% | 65.0% | 94.1% | 96.4% |
| Debt/Equity | 1.48 | 1.48 | 1.12 | 3.32 | 0.30 | 0.30 |
| Dividends/Share | $1.40 | $1.45 | $1.44 | $1.43 | $0.47 | $0.47 |
| Operating Income | 47M | 47M | 32M | 28M | 318M | 64M |
| Operating Margin | 1.5% | 1.5% | 1.1% | 1.0% | 23.6% | 4.8% |
| ROE | 7.0% | 8.5% | 10.6% | 9.3% | 13.3% | 17.0% |
| Shares Outstanding | 239M | 239M | 209M | 196M | 389M | 393M |
COLUMBIA BANKING SYSTEM, INC. passes 6 of 9 quality checks, suggesting mixed fundamentals.
COLUMBIA BANKING SYSTEM, INC. trades at 12.7x trailing earnings, compared to its 15-year median P/E of 11.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.2x vs a median of 20.4x. The company's 5-year average ROIC is 6.9% with a gross margin of 79.4%. Total shareholder yield (dividends + buybacks) is 6.4%. At current prices, the estimated annualized return to fair value is -0.8%.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a current P/E ratio of 12.7, compared to its historical median P/E of 11.7. The stock is currently considered Fair based on its historical valuation range.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a 5-year average return on invested capital (ROIC) of 6.9%. This is below average and may indicate limited pricing power.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a market capitalization of $7.0B. It is classified as a mid-cap stock.
Yes, COLUMBIA BANKING SYSTEM, INC. (COLB) pays a dividend with a trailing twelve-month yield of 4.81%. The company also returns capital through share buybacks, with a buyback yield of 1.57%.
Based on historical P/E analysis, COLUMBIA BANKING SYSTEM, INC. (COLB) appears fair. The current P/E of 12.7 is 8% above its historical median of 11.7. The estimated fair value CAGR (P/E method) is -1.1%.
COLUMBIA BANKING SYSTEM, INC. (COLB) operates in the State Commercial Banks industry, within the Financials sector.
COLUMBIA BANKING SYSTEM, INC. (COLB) reported annual revenue of $3.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a net profit margin of 17.1%. This is a healthy margin.
COLUMBIA BANKING SYSTEM, INC. (COLB) generated $706 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a debt-to-equity ratio of 1.48. This indicates moderate leverage.
COLUMBIA BANKING SYSTEM, INC. (COLB) reported earnings per share (EPS) of $2.30 in its most recent fiscal year.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a return on equity (ROE) of 8.5%. This indicates moderate shareholder returns.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a 5-year average gross margin of 79.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for COLUMBIA BANKING SYSTEM, INC. (COLB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
COLUMBIA BANKING SYSTEM, INC. (COLB) has a book value per share of $32.85, based on its most recent annual SEC filing.