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Upturn AI Summary - About
Columbia Banking System Inc(COLB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for COLB
10/28/2026: COLB (3-star) is a STRONG-BUY. BUY for 1 day. Simulated Profits (0.00%). Updated daily EoD!
Columbia Banking System Inc is a significant regional bank holding company operating primarily in the Western United States. The company has strengthened its competitive position through strategic mergers, notably with Umpqua Holdings, creating a larger and more diversified financial institution. Its primary growth opportunity lies in realizing operational efficiencies and expanding its commercial and retail banking footprint. Key risks include regional economic exposure, potential integration challenges, and intense competition from larger banks and fintech platforms. The stock is best suited for income-focused and value-oriented investors seeking exposure to regional banking, provided they monitor the company’s ability to maintain asset quality and manage post-merger integration costs.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is more focused on stable, value-oriented growth through consolidation than aggressive scaling. |
| Momentum investor | Weak fit | Banking stocks often move with sector-wide rate trends rather than individual momentum signals. |
| Value investor | Strong fit | The stock often trades at valuations reflective of regional bank earnings and book value. |
| Dividend investor | Strong fit | The company maintains a consistent dividend policy attractive to income-focused investors. |
| Low-risk investor | Mixed fit | Regional banking involves inherent credit and interest rate risks that may exceed very conservative thresholds. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stock prices can fluctuate significantly based on interest rate expectations. |
| Valuation risk | Medium | The stock price is sensitive to earnings multiples and broader economic outlooks. |
| Competition risk (banking) | High | Intense competition from national and digital-only banks pressures margins. |
| Business quality | Medium | The business relies on maintaining strong asset quality in a competitive landscape. |
| Dividend income | Low | The dividend is generally considered stable but is subject to board approval and capital needs. |
| Execution risk | Medium | Successful integration of acquired entities remains critical to long-term profitability. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 21.74% | Avg. Invested days 42 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.78B USD | Price to earnings Ratio 10.52 | 1Y Target Price 33.8 |
Price to earnings Ratio 10.52 | 1Y Target Price 33.8 | ||
Volume (30-day avg) 2.9M shares | Beta 0.69 | 52 Weeks Range 23.89 - 33.27 | Updated Date 10/27/2026 |
52 Weeks Range 23.89 - 33.27 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 1.16% | Basic EPS (TTM) 2.95 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank profits from the spread between what it charges for loans and pays for deposits. |
| Fee-Based Services | Service charges, wealth management fees, and treasury services. | The bank earns steady income from charging fees for various financial services. |
| Geography: Western US | Concentrated presence in Washington, Oregon, and surrounding states. | The bank's health is closely tied to the economic prosperity of the Pacific Northwest. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.77 | Actual 0.82 |
Profitability
Profit Margin 31.45% | Operating Margin (TTM) 51.51% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 11.23% |
Valuation
Trailing PE 10.52 | Forward PE 9.31 | Enterprise Value 11.00B | Price to Sales(TTM) 3.31 |
Enterprise Value 11.00B | Price to Sales(TTM) 3.31 | ||
Enterprise Value to Revenue 4.62 | Enterprise Value to EBITDA - | Shares Outstanding 282.90M | Shares Floating 273.78M |
Shares Outstanding 282.90M | Shares Floating 273.78M | ||
Percent Insiders 0.77 | Percent Institutions 99.32 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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