Obermatt

Columbia Banking Systems

NSQ:COLB · US1972361026
BanksSmall

360

56
Profit price69
Cash yield97
Price/Sales63
EV / Gross Profit54
Price/Book47
Returns on capital34
Profit margins
Cash Conversion89
Accruals95
Owner Earnings Margin48
Sales growth75
Profit Growth93
Owner Earnings Growth62
Reinvestment7
Price momentum60
Debt load36
Debt serviceability83
Liquidity31
Analyst ratings23
Opinion Changes50
Price Target Upside33
Market mood75
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Columbia Banking Systems clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
ISINUS1972361026
Last UpdateApr 2, 2026
Themes
BankingConsumer LendingFinanceFinancial ServicesWealth Management

Description

Columbia Banking System, Inc. (Columbia) is a financial holding company. On August 31, 2025, Columbia completed its previously announced acquisition of Pacific Premier Bancorp, Inc. (Pacific Premier). Effective September 1, 2025, the bank began ser…

Analysis

Bargain bin

Columbia Banking System, Inc. is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.0×; owner earnings: the cash an owner could take out each year.

Growth is solid and accelerating; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
88
2023202420252026

All-time high

95

Jan 2023

All-time low

41

Jan 2025

Average rank

73

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
63
74
74
91
Price/Earnings
73
78
91
28
Price/Book
47
60
48
82
Dividend Yield
97
93
100
93
Value (overall)
88
99
98
89

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →