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Upturn AI SWOT - About
COLB 
Columbia Banking System Inc (COLB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: COLB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $29.23
1 Year Target Price $29.23
| 1 | Strong Buy |
| 2 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.16% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.82B USD | Price to earnings Ratio 10.37 | 1Y Target Price 29.23 |
Price to earnings Ratio 10.37 | 1Y Target Price 29.23 | ||
Volume (30-day avg) 11 | Beta 0.68 | 52 Weeks Range 19.06 - 31.14 | Updated Date 10/15/2025 |
52 Weeks Range 19.06 - 31.14 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 5.39% | Basic EPS (TTM) 2.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.23% | Operating Margin (TTM) 51.02% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 10.24% |
Valuation
Trailing PE 10.37 | Forward PE 8.23 | Enterprise Value 7893459456 | Price to Sales(TTM) 4.18 |
Enterprise Value 7893459456 | Price to Sales(TTM) 4.18 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 299171255 | Shares Floating 208696807 |
Shares Outstanding 299171255 | Shares Floating 208696807 | ||
Percent Insiders 0.61 | Percent Institutions 71.81 |
Upturn AI SWOT
Columbia Banking System Inc
Company Overview
History and Background
Columbia Banking System Inc. was founded in 1993. It began with the acquisition of several smaller community banks in Washington State. Over time, it expanded its operations through organic growth and further acquisitions, becoming a major regional bank in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of various sizes.
- Retail Banking: Offers deposit accounts, mortgages, and other consumer lending products to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. The market is competitive with other regional and national banks like US Bancorp (USB) and KeyCorp (KEY).
- Mortgage Lending: Offers mortgage loans to individuals for home purchases. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
- Deposit Accounts: Provides checking, savings, and money market accounts to consumers and businesses. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Regional banks face competition from larger national banks and online lenders.
Positioning
Columbia Banking System Inc. is a regional bank focused on the Pacific Northwest market. Its competitive advantage lies in its strong local presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market is substantial, encompassing the entire banking sector in the Pacific Northwest. Columbia Banking System Inc. aims to capture a larger share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Susceptibility to regional economic conditions
- Smaller scale compared to national banks
- Dependence on Net Interest Income
Opportunities
- Expanding into new markets
- Acquiring smaller community banks
- Developing new products and services
- Increasing digital banking capabilities
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- KEY
- WFC
- BAC
- MTB
Competitive Landscape
Columbia Banking System Inc. faces stiff competition from larger national banks with greater resources and brand recognition. Its advantage lies in its local market knowledge and customer service.
Major Acquisitions
Umpqua Holdings Corporation
- Year: 2022
- Acquisition Price (USD millions): 5100
- Strategic Rationale: This acquisition expanded Columbia Banking System Inc's presence throughout the West Coast. It brought together two strong regional banks with complementary strengths.
Growth Trajectory and Initiatives
Historical Growth: Discuss Columbia Banking System Inc's growth trends over the past years.
Future Projections: Provide projections for Columbia Banking System Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Columbia Banking System Inc.
Summary
Columbia Banking System Inc. is a regional bank with a strong presence in the Pacific Northwest. Its competitive advantages include its local market knowledge and customer service. However, it faces challenges from larger national banks and economic fluctuations. The acquisition of Umpqua Holdings enhances its competitive positioning. The company must maintain its net interest margin and maintain solid loan quality.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Columbia Banking System Inc
Exchange NASDAQ | Headquaters Tacoma, WA, United States | ||
IPO Launch date 1992-06-16 | President, CEO & Director Mr. Clint E. Stein CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4721 | |
Full time employees 4721 | |||
Columbia Banking System, Inc. operates as the Bank holding company of 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, and money market; and insured cash sweep and other investment sweep solutions. 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, and real estate construction loans; and permanent financing and small business administration program financing, as well as capital markets. In addition, the company offers wealth management comprising financial planning, investment, trust, and insurance; and 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, and foreign exchange and international banking related products, as well as merchant services. Further, it provides residential real estate loans and consumer loans. It serves its products to corporate, institutional, small business, and individual customers. The company was founded in 1953 and is based in Tacoma, Washington.
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