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Upturn AI SWOT - About
COLB 
Columbia Banking System Inc (COLB)
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Upturn Advisory Summary
08/28/2025: COLB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $27.67
1 Year Target Price $27.67
| 1 | Strong Buy |
| 2 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.96% | Avg. Invested days 31 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.70B USD | Price to earnings Ratio 10.75 | 1Y Target Price 27.67 |
Price to earnings Ratio 10.75 | 1Y Target Price 27.67 | ||
Volume (30-day avg) 11 | Beta 0.69 | 52 Weeks Range 19.06 - 31.14 | Updated Date 08/28/2025 |
52 Weeks Range 19.06 - 31.14 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.64% | 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 10.75 | Forward PE 9.84 | Enterprise Value 8013331456 | Price to Sales(TTM) 3.04 |
Enterprise Value 8013331456 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 210300992 | Shares Floating 208663159 |
Shares Outstanding 210300992 | Shares Floating 208663159 | ||
Percent Insiders 0.72 | Percent Institutions 102.5 |
Upturn AI SWOT
Columbia Banking System Inc
Company Overview
History and Background
Columbia Banking System Inc. was founded in 1910 as a savings and loan association. It has grown through organic expansion and acquisitions to become a prominent regional bank in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses of all sizes, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer loans 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 company is led by a board of directors and a senior management team. The organizational structure is typical of a regional bank, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties, including office buildings, retail centers, and industrial facilities. Competitors include other regional banks and national lenders. Market share data not publicly available.
- Mortgage Loans: Offers a variety of mortgage products to homebuyers, including fixed-rate, adjustable-rate, and government-insured loans. Competitors include national mortgage lenders and other regional banks. Market share data not publicly available.
- Small Business Loans: Provides lending solutions for small and medium size businesses in the Northwest region. Competitors include other regional banks and national lenders. Market share data not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory scrutiny.
Positioning
Columbia Banking System Inc. is a well-established regional bank with a strong presence in the Pacific Northwest. Its competitive advantages include its local market knowledge, customer relationships, and conservative lending practices.
Total Addressable Market (TAM)
The TAM for banking services in the Pacific Northwest is estimated to be in the tens of billions of dollars. Columbia Banking System Inc. is positioned to capture a portion of this market through its branch network, online banking platform, and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in the Pacific Northwest
- Experienced management team
- Conservative lending practices
- Well-diversified loan portfolio
- Strong capital base
Weaknesses
- Limited geographic presence compared to national banks
- Reliance on traditional banking channels
- Potential for integration challenges from acquisitions
- Susceptible to interest rate fluctuations
Opportunities
- Expansion into new markets in the Pacific Northwest
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Potential for strategic acquisitions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WAFD
- Umpqua Holdings Corp (UMPQ)
- First Interstate BancSystem, Inc (FIBK)
Competitive Landscape
Columbia Banking System Inc. competes with other regional banks, national banks, and fintech companies. Its competitive advantages include its local market knowledge, customer relationships, and conservative lending practices.
Major Acquisitions
HomeStreet, Inc.
- Year: 2024
- Acquisition Price (USD millions): 1340
- Strategic Rationale: The HomeStreet acquisition will create a premier Northwest regional bank with approximately $50 billion in assets. The merger will significantly bolster Columbia's presence across the region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be moderate, driven by continued economic growth in the Pacific Northwest and increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Columbia Banking System Inc. is a strong regional bank with a solid presence in the Pacific Northwest. Its conservative lending practices and experienced management team contribute to its stability. The company should be aware of the increasing competition from fintech companies and adapt to changes in regulatory environment to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Third-Party Financial Analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise. Financial information is based on publicly available data and may not be up-to-date.
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 Umpqua 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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