Columbia Banking System Inc. Common Stock (COLB)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Columbia Banking System as a regional bank: it gathers deposits and makes loans, so the key is not glamour but credit discipline and the spread between funding and lending. The supplied price on 2026-10-13 is $28.23, against FairStock calculations of P/E 11.07, P/B 1.06, ROE 11.03%, PEG 0.30, and a 5.24% dividend yield. That is not expensive for a bank earning a low-double-digit return on equity, and the 0.69 beta suggests a steadier ride. FairStock calls it a stalwart, with profit growing 29.0% a year over five years. Filed results show positive earnings: net income was $215.0M in fiscal Q4 2025 (quarter ended 2025-12-31), $96.0M in fiscal Q3 2025 (quarter ended 2025-09-30, EPS $0.40), $192.0M in fiscal Q1 2026 (quarter ended 2026-03-31, EPS $0.66), and $208.0M in fiscal Q2 2026 (quarter ended 2026-06-30, EPS $0.73). Full-year net income rose from $349.0M in FY2023 to $534.0M in FY2024 to $550.0M in FY2025, though FY2025 EPS of $2.30 was lower than FY2024's $2.55. That mixed per-share picture and a Piotroski F-score of 5/9 keep me cautious. The real gap is bank-specific data: CET1, net interest margin, efficiency ratio, credit costs, and reserve coverage are absent, and D/E is N/A, so I cannot judge leverage or underwriting. Combined ratio is not applicable and not in the data. At 1.06 times book and 11 times earnings, the price looks fair-to-cheap if credit is sound, but the safety analysis is incomplete.

In plain English: Columbia Banking System is a regional bank holding company that takes deposits and makes loans, mainly to businesses and individuals. The business looks reasonably steady: it earned $208 million in the quarter ended June 30, 2026, and pays a dividend equal to about 5.2% of the share price. The stock looks fair to somewhat cheap compared with its profits and accounting value, but important details about loan safety and capital are missing from the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer