Fact based stock research
Columbia Banking Systems (NasdaqGS:COLB)

US1972361026

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

Columbia Banking Systems stock research in summary

columbiabank.com

ANALYSIS: With an Obermatt Combined Rank of 61 (better than 61% compared with investment alternatives), Columbia Banking Systems (Regional Banks, USA) shares have above-average financial characteristics compared with similar stocks. Shares of Columbia Banking Systems are a good value (attractively priced) with a consolidated Value Rank of 99 (better than 99% of alternatives), show above-average growth (Growth Rank of 59) but are riskily financed (Safety Rank of 11), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 61, is a buy recommendation based on Columbia Banking Systems's financial characteristics. As the company Columbia Banking Systems's key financial metrics exhibit excellent performance in two areas, such as good value (Obermatt Value Rank of 99) and above-average growth (Obermatt Growth Rank of 59), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 11) indicates that the company is optimistic about the future and sees debt as an opportunity to boost returns. More debt means more shareholder returns if everything goes well. However, higher debt burdens are risky when interest rates rise or the business deteriorates in a crisis. If you believe the company's future is market-typical or even better, this could be an argument for a share purchase. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	n/a
Growth Rank	n/a
Safety Rank	n/a
Combined Rank	n/a

Country	USA
Industry	Regional Banks
Index	Dividends USA, Employee Health US, NASDAQ
Size class	Large

This stock has achievements: Top 10 Stock.

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Research History: Columbia Banking Systems

RESEARCH HISTORY	2021	2022	2023	2024
VALUE
VALUE	64	89	98	n/a
GROWTH
GROWTH	2	38	59	n/a
SAFETY
SAFETY	46	77	1	n/a
SENTIMENT
SENTIMENT	n/a	60	41	^new
360° VIEW
360° VIEW	n/a	95	47	^new

Most recent update of the stock research: . Financial reporting date used for calculating ranks: . Stock research history is based on the Obermatt Method. The higher the rank, the better Columbia Banking Systems is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2021	2022	2023	2024
VALUE
VALUE	64	89	98	n/a
GROWTH
GROWTH	2	38	59	n/a
SAFETY
SAFETY	46	77	1	n/a
COMBINED
COMBINED	54	94	55	n/a

Last update of combined financial performance: . Stock analysis on combined financial performance: The higher the rank of Columbia Banking Systems the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 99 (better than 99% compared with alternatives) for 2025, Columbia Banking Systems shares are significantly less expensive than comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators above average for Columbia Banking Systems. Price-to-Sales (P/S) is 70, which means that the stock price compared with what market professionals expect for future sales is lower than for 70% of comparable companies, indicating a good value concerning Columbia Banking Systems's revenue size. The same is valid for expected Price-to-Profits (or Price / Earnings, P/E), more favorable than for 92% of alternatives. It is also positive for expected dividend yields with a Dividend Yield rank of 93 (dividends are expected to be higher than 93% of other stocks). But, compared with other companies in the same industry, the Price-to-Book Capital ratio (also referred to as market-to-book ratio) is higher than average, making the stock more expensive. Only 54% of all competitors have an even higher price compared with book capital which puts the Price-to-Capital Rank for Columbia Banking Systems to 46. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 99, is a buy recommendation based on Columbia Banking Systems's stock price compared with the company's operational size and dividend yields. A low level of book capital means that the company has a business that is leaner in assets than its competitors. For instance, the company could be leasing its production facilities or be more focussed on intellectual property, such as its brand and software, which is less visible in its book capital. If that is the case, the three good value ranks for Sales, Profits, and Dividends are reliable indicators for the stock price value. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2021	2022	2023	2024
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	34	91	74	n/a
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	54	28	91	n/a
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	69	82	48	n/a
DIVIDEND YIELD
DIVIDEND YIELD	80	93	100	n/a
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	64	89	98	n/a

Last update of Value Rank: . Stock analysis on value ratios: The higher the rank, the lower the value ratio of Columbia Banking Systems; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 59 (better than 59% compared with alternatives), Columbia Banking Systems shows an above-average growth dynamic in its industry. Investors also speak of positive momentum. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for Columbia Banking Systems. Sales Growth has a rank of 80, which means that, currently, professionals expect the company to grow more than 80% of its competitors. Profit Growth with a rank of 98 is also above average. But Capital Growth has only a rank of 17, and Stock Returns with 39 are also below-average. Stock returns for Columbia Banking Systems have recently been below 61% of alternative investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 59, is a buy recommendation for growth and momentum investors. Are investors forecasting troubles based on the lack of operating investment activity at the company? This could be one explanation as to why stock returns are low. But stock returns can also be the result of correcting an error in the past, in this case, an overly optimistic outlook on the future, which is now more realistic. The Value Ranks may confirm such a picture. The more important growth indicators are revenues and profits, which are both above average for Columbia Banking Systems. This is a positive sign from the company's operational side and may give investors courage, despite the poor recent stock price performance. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with the Obermatt Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2021	2022	2023	2024
REVENUE GROWTH
REVENUE GROWTH	10	100	81	n/a
PROFIT GROWTH
PROFIT GROWTH	79	39	98	n/a
CAPITAL GROWTH
CAPITAL GROWTH	n/a	58	17	n/a
STOCK RETURNS
STOCK RETURNS	6	1	35	n/a
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	2	38	59	n/a

Last update of Growth Rank: . Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Columbia Banking Systems.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 11 (better than 11% compared with alternatives), the company Columbia Banking Systems has much riskier financing practices than comparable other companies, which means that their overall debt burden is significantly above the industry average. This doesn't mean that the business of Columbia Banking Systems is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Columbia Banking Systems and the other two below average. Leverage is at a rank of 62 meaning the company has a below-average debt-to-equity ratio. It has less debt than 62% of its competitors.Refinancing is at a rank of 32, which means that the portion of the debt about to be refinanced is above-average. It has more debt in the refinancing stage than 68% of its competitors. Liquidity is at a rank of 9, meaning that the company generates less profit to service its debt than 91% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 11 (worse than 89% compared with alternatives), Columbia Banking Systems has a financing structure that is significantly riskier than that of its competitors. This is an indication that the company is on the riskier side when it comes to debt service. There is only below-market average liquidity, and a short-term refinancing issue might be around the corner. But in the long-term, the debt levels of Columbia Banking Systems are on the safer side. Investors may have a short-term debt challenge and liquidity issues with Columbia Banking Systems and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2021	2022	2023	2024
LEVERAGE
LEVERAGE	55	66	4	n/a
REFINANCING
REFINANCING	10	54	34	n/a
LIQUIDITY
LIQUIDITY	75	69	10	n/a
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	46	77	1	n/a

Last update of Safety Rank: . Stock analysis on safety metrics: The higher the rank, the lower the leverage of Columbia Banking Systems and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2021	2022	2023	2024
ANALYST OPINIONS
ANALYST OPINIONS	n/a	27	50	^new
OPINIONS CHANGE
OPINIONS CHANGE	n/a	98	50	^new
PRO HOLDINGS
PRO HOLDINGS	n/a	32	32	^new
MARKET PULSE
MARKET PULSE	n/a	48	52	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	n/a	60	41	^new

Last update of Sentiment Rank: . Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Columbia Banking Systems.
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