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Columbia Banking System, Inc. operates as the bank holding company for Columbia 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, insured cash sweep and other investment sweep solutions, and certificates of deposit. 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, permanent financing, small business administration program financing, and capital markets services. In addition, the company offers wealth management, comprising financial planning, investment, trust, insurance, and private banking solutions, as well as 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, foreign exchange, trade and supply chain finance, international banking related products, and merchant services. Further, it provides residential real estate loans and consumer loans. The company serves corporate, institutional, small business, and individual customers in the United States. Columbia Banking System, Inc. was founded in 1953 and is based in Tacoma, Washington.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Columbia Banking System is a regional commercial bank in the Pacific Northwest offering deposits, commercial and consumer loans, mortgage services and treasury solutions to individuals and businesses. Long-term growth may be supported by regional economic expansion, mortgage origination and selective branch or acquisition-led footprint growth, and the locally focused franchise and diversified deposit base could support steadier earnings.
Material risks include sensitivity to interest rates and margin compression, credit losses tied to commercial real estate and regional downturns, and competitive and regulatory pressures that could weaken capital and earnings.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 728.31M | 718.75M | 471.20M | 450.58M | 558.16M |
| Net income | 550.03M | 533.67M | 348.71M | 336.75M | 420.30M |
| Selling general administrative | 696.29M | 630.41M | 605.76M | 455.19M | 490.06M |
| Selling and marketing expenses | 10.20M | 11.04M | 11.40M | 6.54M | 7.38M |
| Gross profit | 2174.43M | 1823.44M | 2539.33M | 547.56M | 1275.96M |
| Reconciled depreciation | 141.00M | 149.87M | 109.15M | 8.70M | 7.99M |
| Ebit | 751.31M | 718.75M | 471.20M | 386.21M | 558.16M |
| Ebitda | 895.31M | 868.62M | 471.20M | 390.31M | 562.68M |
| Depreciation and amortization | 144.00M | 149.87M | 111.30M | 4.09M | 4.52M |
| Operating income | 751.31M | 718.75M | 471.20M | 386.21M | 558.16M |
| Other operating expenses | 2462.46M | 2247.46M | 2068.13M | 24.54M | -717.80M |
| Interest expense | 912.49M | 1036.84M | 746.16M | 78.00M | 42.40M |
| Tax provision | 178.00M | 185.07M | 118.41M | 67.47M | 53.69M |
| Interest income | 2903.00M | 2743.28M | 2191.52M | 646.48M | 536.07M |
| Net interest income | 1990.00M | 1706.44M | 1636.60M | 622.84M | 527.52M |
| Income tax expense | 178.28M | 185.07M | 122.48M | 113.83M | 137.86M |
| Total revenue | 3213.77M | 2966.21M | 2539.33M | 547.56M | 1275.96M |
| Total operating expenses | 1423.12M | 1104.69M | -2068.13M | 24.54M | -717.80M |
| Cost of revenue | 1039.34M | 1142.76M | 203.93M | - | - |
| Total other income expense net | -23.00M | -2025.45M | 471.20M | 64.36M | -42.40M |
| Net income from continuing ops | 550.00M | 533.67M | 338.15M | 250.18M | 202.82M |
| Net income applicable to common shares | - | - | - | 250.18M | 202.82M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 67218.00M | 51576.40M | 52173.60M | 31848.64M | 30640.94M |
| Intangible assets | 712.00M | 592.61M | 712.92M | 189.76M | 132.46M |
| Other current assets | - | - | 2196.63M | -29.28M | 5050.89M |
| Total liab | 59378.00M | 46458.17M | 47178.56M | 29368.81M | 487.23M |
| Total stockholder equity | 7840.00M | 5118.22M | 4995.03M | 2479.83M | 2749.27M |
| Other current liab | 45195.00M | 41720.73M | 32625.34M | 16711.45M | 18010.12M |
| Common stock | 8099.00M | 5817.46M | 5802.75M | 3450.49M | 3444.85M |
| Capital stock | 8099.00M | 5817.46M | 5802.75M | 1944.47M | 1930.19M |
| Retained earnings | -26.00M | -237.25M | -467.57M | -543.80M | -697.34M |
| Other liab | - | - | - | 313.91M | 232.79M |
| Good will | 1482.00M | 1029.23M | 1029.23M | 823.17M | 823.17M |
| Other assets | 63705.00M | 48621.22M | - | 19255.88M | 18200.87M |
| Cash | 511.00M | 1870.56M | 2162.53M | 1294.64M | 2761.62M |
| Total current liabilities | 3454.00M | 41957.36M | 32911.31M | 17665.76M | 2148.33M |
| Net debt | 3497.00M | 2030.35M | 2594.50M | 114.68M | -2278.74M |
| Short term debt | 3454.00M | 236.63M | 285.98M | 954.32M | 2148.33M |
| Short long term debt total | 4008.00M | 3900.90M | 4757.03M | 1409.32M | 482.88M |
| Other stockholder equity | - | - | - | 1873.64M | 1859.35M |
| Property plant equipment | - | - | - | 160.58M | 172.14M |
| Total current assets | 743.00M | 3742.85M | 2196.63M | 4945.75M | 8099.73M |
| Long term investments | 11243.00M | 8354.85M | 8909.17M | 6637.32M | 8072.75M |
| Net tangible assets | - | - | - | 1364.03M | 1730.92M |
| Short term investments | 370.00M | 211.46M | 8829.87M | 3196.17M | 3870.43M |
| Net receivables | 232.00M | 1660.84M | 1729.51M | 1706.17M | 1467.68M |
| Long term debt | 3635.00M | 3538.56M | 4374.34M | 974.62M | 27.67M |
| Inventory | - | - | -1231.02M | 0.20M | -1411.66M |
| Accounts payable | - | - | - | 27065.61M | 18010.12M |
| Accumulated other comprehensive income | -233.00M | -461.98M | -340.14M | -426.86M | 1.76M |
| Common stock total equity | - | - | - | 1944.47M | 1930.19M |
| Retained earnings total equity | - | - | - | 850.01M | 694.23M |
| Treasury stock | - | - | - | -70.83M | -70.83M |
| Non currrent assets other | 1695.00M | 1582.02M | 45520.71M | 3931.04M | -4340.34M |
| Non current assets total | 66475.00M | 47833.55M | 49976.96M | 7647.02M | 4340.34M |
| Capital lease obligations | - | 125.71M | 130.58M | 91.69M | 95.43M |
| Long term debt total | - | - | - | 20.31M | 20.31M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 369.00M | 114.57M | 4.06M | -424.79M | -2522.49M |
| Change to liabilities | - | - | - | 30.56M | -30.47M |
| Total cashflows from investing activities | 2172.00M | 114.57M | 501.74M | -395.69M | -2358.36M |
| Net borrowings | 90.00M | -850.00M | 749.48M | 956.15M | -22.85M |
| Total cash from financing activities | -2416.00M | -1057.72M | -303.69M | 1001.09M | 1059.99M |
| Change to operating activities | - | - | - | 399.76M | -23.66M |
| Net income | 550.00M | 533.67M | 348.71M | 336.75M | 420.30M |
| Change in cash | 502.00M | -284.28M | 867.89M | -1466.98M | 188.44M |
| Begin period cash flow | 1878.26M | 2162.53M | 1294.64M | 2761.62M | 2573.18M |
| End period cash flow | 2380.00M | 1878.26M | 2162.53M | 1294.64M | 2761.62M |
| Total cash from operating activities | 746.00M | 658.87M | 669.84M | 1065.03M | 662.72M |
| Issuance of capital stock | 3.00M | 0.00M | 1.19M | 0.05M | 0.03M |
| Depreciation | 141.00M | 149.87M | 144.25M | 28.30M | 31.50M |
| Other cashflows from investing activities | 969.00M | -332.52M | -582.17M | 36.31M | 170.26M |
| Dividends paid | 335.00M | 300.22M | 270.26M | -182.27M | -183.73M |
| Change to account receivables | - | - | - | -8.89M | 4.05M |
| Sale purchase of stock | -109.00M | -5.71M | -6.28M | -4.16M | -80.69M |
| Other cashflows from financing activities | -2035.00M | 98.22M | -777.80M | 1937.47M | 2089.38M |
| Change to netincome | - | - | - | 15.12M | 28.96M |
| Capital expenditures | 40.00M | 35.66M | 85.55M | 27.09M | 15.48M |
| Change receivables | - | - | - | -8.89M | 4.05M |
| Cash flows other operating | - | - | - | -35.30M | 6.54M |
| Cash and cash equivalents changes | - | - | - | -532.97M | 170.95M |
| Change in working capital | -154.00M | -40.42M | -119.07M | 399.76M | 143.77M |
| Stock based compensation | 33.00M | 20.43M | 18.07M | 9.75M | 10.91M |
| Other non cash items | 122.00M | -35.52M | 264.98M | 276.07M | 15.44M |
| Free cash flow | 706.00M | 623.20M | 669.84M | 1037.94M | 647.25M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| COLB Columbia Banking System Inc |
-0.32 1.03% |
30.72 | 12.93 | 9.73 | 4.00 | 1.10 | 5.32 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Columbia Banking System, Inc. operates as the bank holding company for Columbia 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, insured cash sweep and other investment sweep solutions, and certificates of deposit. 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, permanent financing, small business administration program financing, and capital markets services. In addition, the company offers wealth management, comprising financial planning, investment, trust, insurance, and private banking solutions, as well as 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, foreign exchange, trade and supply chain finance, international banking related products, and merchant services. Further, it provides residential real estate loans and consumer loans. The company serves corporate, institutional, small business, and individual customers in the United States. Columbia Banking System, Inc. was founded in 1953 and is based in Tacoma, Washington.
1301 A Street, Tacoma, WA, United States, 98402-4200
253 305 1900
6005
| Name | Title | Year Born |
|---|---|---|
| Mr. Clint E. Stein | Pres, CEO & Director | 1972 |
| Mr. Aaron James Deer | Exec. VP & CFO | 1969 |
| Mr. Christopher M. Merrywell | COO & Exec. VP | 1966 |
| Mr. Eric J. Eid | Exec. VP and Chief Digital & Technology Officer | 1957 |
| Mr. Andrew L. McDonald | Exec. VP & Chief Credit Officer | 1960 |
| Mr. Brock M. Lakely | Sr. VP & Chief Accounting Officer | NA |
| Jason Hester | Sr. VP and Chief Innovation & Information Officer | NA |
| Amy L. N. Betts | Head of Investor Relations | NA |
| Ms. Kumi Yamamoto Baruffi | Exec. VP, Gen. Counsel & Corp. Sec. | 1971 |
| Mr. David Moore Devine | Exec. VP and Chief Marketing & Experience Officer | 1978 |
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