Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
COLB 
Columbia Banking System Inc (COLB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/15/2025: 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 $28.33
1 Year Target Price $28.33
| 1 | Strong Buy |
| 2 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.25% | Avg. Invested days 32 | 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 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.80B USD | Price to earnings Ratio 10.34 | 1Y Target Price 28.33 |
Price to earnings Ratio 10.34 | 1Y Target Price 28.33 | ||
Volume (30-day avg) 11 | Beta 0.71 | 52 Weeks Range 19.06 - 31.14 | Updated Date 09/14/2025 |
52 Weeks Range 19.06 - 31.14 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.74% | 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 10.34 | Forward PE 8.27 | Enterprise Value 7750454784 | Price to Sales(TTM) 4.16 |
Enterprise Value 7750454784 | Price to Sales(TTM) 4.16 | ||
Enterprise Value to Revenue 5.89 | Enterprise Value to EBITDA - | Shares Outstanding 299171008 | Shares Floating 208019637 |
Shares Outstanding 299171008 | Shares Floating 208019637 | ||
Percent Insiders 0.61 | Percent Institutions 72.11 |
Upturn AI SWOT
Columbia Banking System Inc
Company Overview
History and Background
Columbia Banking System Inc. was founded in 1993 in Tacoma, Washington. It has grown through organic expansion and acquisitions to become a significant regional bank in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products and services to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management, trust, and investment services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments such as commercial lending, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. The commercial real estate lending market is highly competitive, with competitors including large national banks (JPM, BAC, WFC) and other regional banks. Market share data is not publicly available but is significant for CBSH.
- Mortgage Loans: Loans for purchasing residential properties. Competitors include Rocket Mortgage, Bank of America, and Wells Fargo. Market share varies by region and is estimated to be around 3% in their core markets.
- Deposit Accounts: Checking, savings, and money market accounts. Competitors include Chase, Wells Fargo, and U.S. Bank. CBSH aims to attract deposits by offering competitive rates and customer service.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact bank profitability.
Positioning
Columbia Banking System Inc. positions itself as a relationship-focused regional bank with a strong presence in the Pacific Northwest. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Pacific Northwest is estimated to be in the tens of billions of dollars. CBSH is positioned to capture a portion of this market through its community focus and suite of services.
Upturn SWOT Analysis
Strengths
- Strong Presence in the Pacific Northwest
- Relationship-Focused Banking Model
- Experienced Management Team
- Diverse Product Offering
Weaknesses
- Limited Geographic Diversification
- Smaller Size Compared to National Banks
- Susceptibility to Regional Economic Downturns
Opportunities
- Expansion into New Markets within the Pacific Northwest
- Increased Digital Banking Adoption
- Acquisition of Smaller Banks
- Growth in Wealth Management Services
Threats
- Increased Competition from National Banks and Fintech Companies
- Rising Interest Rates
- Regulatory Changes
- Economic Recession
Competitors and Market Share
Key Competitors
- USB
- WAFD
- UMPQ
Competitive Landscape
CBSH faces competition from larger national banks with greater resources and smaller community banks with more localized focus. CBSH differentiates itself through its relationship-focused banking model and strong regional presence.
Major Acquisitions
HomeStreet Inc
- Year: 2024
- Acquisition Price (USD millions): 1400
- Strategic Rationale: To strengthen its presence in the Pacific Northwest and increase market share in key banking categories. This is a proposed acquisition.
Growth Trajectory and Initiatives
Historical Growth: CBSH has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include investing in digital banking technology, expanding into new markets in the Pacific Northwest, and increasing focus on wealth management services.
Summary
Columbia Banking System Inc. is a strong regional bank in the Pacific Northwest, characterized by a relationship-focused banking model and steady growth. Its strengths include a strong regional presence and experienced management. Challenges include increasing competition and susceptibility to regional economic downturns. Recent acquisitions are expected to improve long term shareholder value and market capitalization.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.