Columbia Banking System, Inc.
Columbia Banking System, Inc. Fundamental Analysis
Columbia Banking System, Inc. (COLB) shows moderate financial fundamentals with a PE ratio of 12.95, profit margin of 19.76%, and ROE of 9.16%. The company generates $2.7B in annual revenue with moderate year-over-year growth of 8.35%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze COLB's fundamental strength across five key dimensions:
Efficiency Score
WeakCOLB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCOLB trades at attractive valuation levels.
Growth Score
ModerateCOLB shows steady but slowing expansion.
Financial Health Score
ModerateCOLB shows balanced financial health with some risks.
Profitability Score
ModerateCOLB maintains healthy but balanced margins.
Key Financial Metrics
Is COLB Expensive or Cheap?
P/E Ratio
COLB trades at 12.95 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, COLB's PEG of -1.11 indicates potential undervaluation.
Price to Book
The market values Columbia Banking System, Inc. at 1.11 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.21 times EBITDA. This signals the market has high growth expectations.
How Well Does COLB Make Money?
Net Profit Margin
For every $100 in sales, Columbia Banking System, Inc. keeps $19.76 as profit after all expenses.
Operating Margin
Core operations generate 18.92 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.16 in profit for every $100 of shareholder equity.
ROA
Columbia Banking System, Inc. generates $0.99 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Columbia Banking System, Inc. produces operating cash flow of $610.33M, showing steady but balanced cash generation.
Free Cash Flow
Columbia Banking System, Inc. generates strong free cash flow of $592.13M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.49 in free cash annually.
FCF Yield
COLB converts 10.42% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.11
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.11
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.09
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.010
vs 25 benchmark
How COLB Stacks Against Its Sector Peers
| Metric | COLB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.95 | 19.02 | Better (Cheaper) |
| ROE | 9.16% | 814.00% | Weak |
| Net Margin | 19.76% | 1811.00% | Weak |
| Debt/Equity | 0.00 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 670.41 | Weak Liquidity |
| ROA | 0.99% | -24626.00% (disorted) | Weak |
COLB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Columbia Banking System, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
68.19%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
126.92%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
493.11%
Industry Style: Value, Dividend, Cyclical
High Growth