Columbia Banking System COLB
United StatesFinancial Services · Banks - RegionalUSD
33.64 USD (+19.0%)
14 analysts
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Columbia Banking System is a US regional bank offering commercial, consumer, and wealth management banking services, primarily in the Pacific Northwest.
Key points
from its scores- ✓High-quality business9.3
- ✓Attractive dividend8.5
- ✓Favourable backdrop7.2
- ✕Fragile balance sheet4.2
AI analysis
bottom line, main risk, context and newsThe combination of attractive valuation and high quality offsets the weakness in earnings growth and the risk of margin compression from rising rates.
Columbia Banking System shows moderate financial health (ROE 11.03%, ROA 1.21%) but exceptional moat quality (operating margin 50.92%) and attractive valuation (P/E 11.08, P/B adjusted 0.96). Revenue growth is strong (35.10%), though earnings growth is flat, and it offers a net dividend yield of 5.24% with a 57.65% payout.
The main risk is net interest margin compression if deposit costs rise faster than asset yields in the current rising rate environment.
Context and risks
Columbia Banking System, as a US regional bank, is subject to ongoing regulatory scrutiny and an interest rate environment that pressures its net interest margin. The recent rise in long-term US rates may compress margins if deposit costs rise faster than asset yields, a specific risk to its business model.
Is Columbia Banking System stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 31% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.1 | 13.7 | −19% |
| Price / book | 1.1 | 1.9 | −43% |
| Price / sales | 3.2 | 3.5 | −8% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.7 out of 10 (median for Financial Services: 5.2).
Average analyst target: 33.64 USD, +19.0% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.2 (sector 5.5), Growth 6.9 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.1
- Forward P/E
- 8.6
- Price / book
- 1.1
- Price / sales
- 3.2
- PEG
- 42.86
- Market cap
- 8.0B USD
- Enterprise value
- 11.2B USD
Profitability
- ROE
- 11.0%
- ROA
- 1.2%
- ROIC (approx.)
- 10.1%
- Gross margin
- 0.0%
- Operating margin
- 50.9%
- Net margin
- 28.4%
Solvency
- Total debt
- 5.1B USD
- Net debt
- 3.2B USD
- Cash
- 1.8B USD
Growth
- Revenue growth
- +35.1%
- Earnings growth
- +0.2%
- EPS (TTM)
- 2.55 USD
- EPS (forward)
- 3.30 USD
Dividend
- Dividend yield
- 5.2%
- Payout
- 57.6%
Risk and market
- Beta
- 0.69
- Analyst consensus
- Buy (14)
- Target price
- 33.64 USD
- 52-week range
- 23.83 – 33.68
Recent news
All COLB news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Columbia Banking System
Is Columbia Banking System stock cheap or expensive?
On P/E and Price / book, it trades 31% below the Financial Services median on average. Valuation score: 6.7 out of 10 (median for Financial Services: 5.2). Average analyst target: 33.64 USD, +19.0% versus the price. This is not investment advice.
What score does Columbia Banking System get on MeridIAn Screener?
It scores 7.0 out of 10, rank 205 of 2,130 (better than 89% of the companies analysed). Its strongest category is Quality / Moat (9.3) and its weakest, Financial health (4.2). Analysis of 08/10/2026.
What is Columbia Banking System's P/E ratio?
Its P/E is 11.1: the share price equals 11.1 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 8.6.
How much is Columbia Banking System worth on the stock market?
Its market capitalisation is 8.0B USD.
Does Columbia Banking System pay a dividend?
Yes: its dividend yield is 5.24% and it pays out 58% of its earnings.
How has Columbia Banking System stock performed over the last year?
It has risen 19.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 23.83 and 33.68 USD. Past performance does not guarantee future results.
What do analysts think of Columbia Banking System?
14 analysts cover it; their average recommendation is “Buy” and their average target is 33.64 USD (+19.0% versus the price). It is an estimate, not market data.