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Upturn AI SWOT - About
COLB 
Columbia Banking System Inc (COLB)
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Upturn Advisory Summary
07/10/2025: 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 $27.21
1 Year Target Price $27.21
| 1 | Strong Buy |
| 2 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.34% | 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 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.28B USD | Price to earnings Ratio 10.58 | 1Y Target Price 27.21 |
Price to earnings Ratio 10.58 | 1Y Target Price 27.21 | ||
Volume (30-day avg) 11 | Beta 0.7 | 52 Weeks Range 19.31 - 31.55 | Updated Date 07/9/2025 |
52 Weeks Range 19.31 - 31.55 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 6.16% | Basic EPS (TTM) 2.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.1% | Operating Margin (TTM) 49.41% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 9.73% |
Valuation
Trailing PE 10.58 | Forward PE 9.31 | Enterprise Value 6278529536 | Price to Sales(TTM) 2.89 |
Enterprise Value 6278529536 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 210207008 | Shares Floating 208563334 |
Shares Outstanding 210207008 | Shares Floating 208563334 | ||
Percent Insiders 0.72 | Percent Institutions 96.69 |
Upturn AI SWOT
Columbia Banking System Inc
Company Overview
History and Background
Columbia Banking System Inc. was founded in 1910. It initially focused on serving communities in Washington state and has grown through acquisitions and organic expansion to become a regional bank with a presence in multiple western states. It merged with Umpqua Holdings Corporation in 2022.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Provides consumer banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure includes various divisions such as retail banking, commercial banking, and wealth management, each headed by senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share is regional and varies, difficult to accurately asses on national level. Competitors include larger national banks and regional banks like KeyCorp and US Bancorp.
- Residential Mortgages: Mortgages for home purchases and refinances. Market share is regional and varies, difficult to accurately asses on national level. Competitors include Wells Fargo, Bank of America, and Chase.
- Small Business Loans: Loans for small businesses. Market share is regional and varies, difficult to accurately asses on national level. Competitors include regional and national banks along with online lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Columbia Banking System Inc. is positioned as a regional bank focused on serving businesses and individuals in the Western United States. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Western US is estimated to be in the hundreds of billions of dollars. Columbia Banking System Inc. is positioned to capture a portion of this TAM through its focus on regional markets.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diverse product offerings
- Solid capital base
Weaknesses
- Limited national presence
- Dependence on regional economy
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- WFC
- KEY
Competitive Landscape
Columbia Banking System Inc. faces competition from larger national banks, regional banks, and fintech companies. Its advantages include local market knowledge and customer relationships. Disadvantages include lower brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Columbia Banking System Inc.'s growth has been driven by organic expansion and acquisitions. Past performance needs to be evaluated using real data at the time of use.
Future Projections: Future growth projections are based on analyst estimates and company guidance, and can not be predicted.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets, but need to be evaluated using data at time of use.
Summary
Columbia Banking System Inc. is a regional bank with a strong presence in the Western United States. Its strengths include a diverse product portfolio and experienced management. However, it faces challenges from increased competition and regulatory changes. The company's future growth depends on its ability to execute its expansion strategy and adapt to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications
- SEC Edgar Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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