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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2514
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$5.4B
Clint E. Stein
Columbia Banking System, Inc. provides a range of banking services to small and medium-sized businesses, professionals, and individuals in the United States. The company operates a network of 153 branch locations, including 68 in the state of Washington.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = COLB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$COLB COLUMBIA BANKING SYSTEM, INC. | 47 | 30 | 34 | 66 | 19.5x | 10.7x | 6.2% | 0.7% | 0.0% | 0.0% | 17.5% | 6.4% | 5.6% | 766.0x | $5.4B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
COLUMBIA BANKING SYSTEM, INC. (COLB) receives a "Reduce" rating with a composite score of 46.8/100. It ranks #2514 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for COLB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 35 | -5NEUTRAL |
| MOMENTUM | 66 | 73 | -7DRAG |
| VALUATION | 34 | 31 | +3NEUTRAL |
| INVESTMENT | 38 | 71 | -33DRAG |
| STABILITY | 42 | 38 | +4NEUTRAL |
| SHORT INT | 43 | 42 | +1NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 2.6% vs WACC 9.0% (spread -6.4%)
GM 0% vs sector 78%, OM 0% vs sector 18%
Capital turnover 0.31x
Rev growth 6%, 10yr history
Interest coverage 0.3x, Net debt/EBITDA 18.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate COLUMBIA BANKING SYSTEM, INC. (COLB) as a Reduce with a composite score of 46.8/100 at a current price of $29.86. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
COLUMBIA BANKING SYSTEM, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 46.8/100 places it at rank #2514 in our full universe.
The near-term outlook is constructive, with revenue growing at 6% and momentum in the 66th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 766% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
COLUMBIA BANKING SYSTEM, INC. represents a reduce based on multi-factor quantitative performance.
COLUMBIA BANKING SYSTEM, INC. receives a Reduce rating from our analysis, with a composite score of 46.8/100 and 2 out of 5 stars, ranking #2514 out of 7,333 stocks. COLB's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
COLB's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 6.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 17.5% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 34/100, COLB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 19.50x, an EV/EBITDA of 10.73x, a P/B ratio of 1.20x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
COLUMBIA BANKING SYSTEM, INC.'s investment score of 38/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 6.4% vs. a sector average of 10.7% and a return on assets of 0.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
COLB demonstrates moderate momentum with a score of 66/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 6.4% year-over-year, while a beta of 1.12 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
COLB's stability score of 42/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.12 and a debt-to-equity ratio of 766.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
The short interest score of 43/100 for COLB suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 766.00x). With a $5.4B market cap (mid-cap), COLUMBIA BANKING SYSTEM, INC. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
COLUMBIA BANKING SYSTEM, INC. offers an attractive dividend yield of 5.6%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
COLUMBIA BANKING SYSTEM, INC. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2514 of 7,333 overall (66th percentile). Key comparisons include ROE of 6.2% trailing the 9.0% sector median and operating margins of 0.0% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While COLB currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 38% ABOVE SECTOR MEDIAN
ROE 31% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Columbia Banking System, Inc. ("Columbia" Nasdaq: COLB), parent company of Columbia Bank, will participate in the 2026 RBC Capital Markets Global Financial Institutions Conference. Representatives of Columbia are scheduled to present on Wednesday, March 11, 2026, at 4:00 p.m. ET.
Columbia Banking System, Inc. (NASDAQ:COLB) announced that its Board of Directors has approved a quarterly cash dividend of $0.37 per common share, payable on March 16, 2026 to shareholders of record as of February 27, 2026.
Lenders with between $10 billion and $100 billion of assets grew their core deposits by more than 8% last year, or more than double the industry-wide average. Merger activity was largely responsible for the outsized growth.
As February begins, U.S. stock indexes have shown strength, with the Dow Jones Industrial Average adding 515 points and the S&P 500 nearing a record high. In this dynamic market environment, dividend stocks can offer stability and income potential, making them an appealing consideration for investors seeking to balance growth with consistent returns.
As the U.S. stock market kicks off February with a strong rally, highlighted by significant gains in major indexes like the Dow Jones Industrial Average and S&P 500, investors are keenly observing opportunities amidst economic developments such as trade deals and shifts in monetary policy. In this dynamic environment, dividend stocks stand out for their potential to provide steady income streams, offering investors a degree of reliability even as broader market conditions fluctuate.