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Columbia Banking System

COLB Nasdaq Regional Banks Financials FY2016–FY2025

Columbia Banking System's revenue rose 19.3% to $2.3 billion in fiscal 2025. Net income was $550 million, up 3.0%. Its return on equity was 8.5%, down from 10.6% a year earlier. Its efficiency ratio was 61.8%, up from 57.2% a year earlier. It paid out $444 million in dividends and buybacks. The diluted share count rose 14.2%.

Last close · Oct 23, 2026

$30.86

3.2%
Value it Compare
Revenue Total sales reported in the income statement.
$2.3B
19.3% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
61.8%
4.6 pts
Net income Profit after all expenses, interest and tax.
$550M
3.0%
Return on equity Net income as a share of average shareholders' equity.
8.5%
2.1 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$7.4B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.1x
On $2.56 EPS (TTM)

What Columbia Banking System does

No business description yet.

Legal name
COLUMBIA BANKING SYSTEM, INC.
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000887343-26-000088
0000887343

Revenue and margins

Columbia Banking System had $2.3B of revenue in fiscal 2025, up 19.3% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 2.7% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Columbia Banking System returned $444M to shareholders in fiscal 2025. The diluted share count rose 14.2%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Columbia Banking System yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

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Reference multiples: today 12.1x · peers 14.8x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $10.5B$25.9B$37.0B$37.3B$47.3B
Deposits $18.0B$27.1B$41.6B$41.7B$54.2B
Loans / deposits 58.2%95.5%88.9%89.3%87.3%
Total assets $20.9B$31.8B$52.2B$51.6B$66.8B
Shareholders' equity $2.6B$2.5B$5.0B$5.1B$7.8B
Goodwill $823M$0.0M$1.0B$1.0B$1.5B
Intangible assets $34.6M$4.7M$604M$484M$712M
Provision / loans −0.4%0.5%0.7%0.3%0.4%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

1 insider

Sold, 12 months

$0.7M

5 insiders

Of sales under plans

19%

$0.1M

DateInsiderTradeSharesPriceValueFiling
Jun 30, 2026 Aaron James DeerEVP Chief Strategy/Innov Offcr Bought 886 $25.37 $0.0M Form 4
Jun 8, 2026 Devine David MooreEVP Chief Marketing Officer Sold 3,872 $29.78 $0.1M Form 4
Mar 13, 2026 Brock LakelyEVP, Chief Accounting Officer Sold 211 $26.23 $0.0M Form 4
Mar 13, 2026 Kumi Yamamoto BaruffiEVP General Counsel, Corp Sec Sold 937 $26.23 $0.0M Form 4
Mar 4, 2026 Torran B NixonSenior Executive VP Sold plan 2,240 $28.85 $0.1M Form 4
Mar 3, 2026 Torran B NixonSenior Executive VP Sold plan 2,241 $28.25 $0.1M Form 4
Jan 30, 2026 Steven R GardnerDirector Sold 13,725 $29.43 $0.4M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Columbia Banking System COLB $7.4B 19.3% — — — 12.1x —
Frost Bank CFR $10.1B 8.3% — — — 14.8x — Compare →
Old National Bank ONB $9.3B 33.9% — — — 13.0x — Compare →
Flagstar Bank FLG $4.3B −19.2% — — — — — Compare →
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — — — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $422M $478M $567M $591M $605M $1.3B $1.3B $2.0B $1.9B $2.3B
Net interest income $334M $368M $479M $493M $500M $920M $1.1B $1.8B $1.7B $2.0B
Noninterest income $88.1M $110M $88.3M $97.2M $105M $356M $200M $204M $211M $298M
Noninterest expense $261M $291M $341M $346M $335M $761M $735M $1.3B $1.1B $1.4B
Provision for credit losses — — — — — −$42.7M $84.0M $213M $106M $150M
Pretax income $150M $178M $212M $242M $192M $257M $318M $471M $719M $728M
Income tax $44.9M $65.2M $39.0M $47.2M $38.1M $138M $114M $122M $185M $178M
Net income $105M $113M $173M $195M $154M $420M $337M $349M $534M $550M
Net income to common $105M $113M $173M $195M $154M $420M $337M $349M $534M $549M
Diluted EPS $1.81 $1.86 $2.36 $2.68 $2.17 $3.21 $2.60 $1.78 $2.55 $2.30
Diluted shares 0.06B 0.06B 0.07B 0.07B 0.07B 0.13B 0.13B 0.20B 0.21B 0.24B
Cash flow
Stock-based compensation $5.0M $7.7M $8.4M $9.3M $10.7M $10.9M $9.8M $18.0M $20.0M $33.0M
Share buybacks $1.1M $0.0M $0.0M $50.8M $20.0M $80.7M $4.2M $6.0M $6.0M $109M
Dividends paid $88.7M $51.3M $83.4M $102M $95.5M $184M $182M $270M $300M $335M
Dividends and buybacks $89.8M $51.3M $83.4M $153M $116M $264M $186M $276M $306M $444M
Balance sheet
Loans, net $6.1B $8.3B $8.3B $8.7B $9.3B $10.5B $25.9B $37.0B $37.3B $47.3B
Deposits $8.1B $10.5B $10.5B $10.7B $13.9B $18.0B $27.1B $41.6B $41.7B $54.2B
Goodwill $383M $766M $766M $766M $766M $823M $0.0M $1.0B $1.0B $1.5B
Intangible assets $17.6M $58.2M $45.9M $35.5M $26.7M $34.6M $4.7M $604M $484M $712M
Total assets $9.5B $12.7B $13.1B $14.1B $16.6B $20.9B $31.8B $52.2B $51.6B $66.8B
Preferred stock $2.2M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $1.3B $1.9B $2.0B $2.2B $2.3B $2.6B $2.5B $5.0B $5.1B $7.8B
Margins
Net margin 24.9% 23.6% 30.5% 32.9% 25.5% 32.9% 26.5% 17.5% 27.7% 23.9%
Net interest share of revenue 79.1% 77.0% 84.4% 83.5% 82.7% 72.1% 84.3% 89.8% 89.1% 87.1%
Efficiency ratio 61.9% 60.9% 60.0% 58.5% 55.3% 59.6% 57.9% 65.8% 57.2% 61.8%
Returns
Return on equity 8.4% 7.1% 8.7% 9.3% 6.8% 17.0% 13.3% 9.3% 10.6% 8.5%
Return on assets 1.1% 1.0% 1.3% 1.4% 1.0% 2.2% 1.3% 0.8% 1.0% 0.9%
Return on tangible equity 12.5% 11.4% 14.7% 15.1% 10.6% 25.6% 16.0% 12.0% 15.3% 11.9%
Growth
Revenue growth 1.3% 13.3% 18.7% 4.1% 2.4% 111.0% −0.5% 57.3% −3.4% 19.3%
Net income growth 6.1% 7.6% 53.2% 12.5% −20.7% 172.5% −19.9% 3.6% 53.0% 3.0%
EPS growth 5.9% 2.8% 26.9% 13.6% −19.0% 47.9% −19.0% −31.5% 43.3% −9.8%
Share count change 0.3% 4.7% 20.9% −0.5% −1.6% 84.9% −1.0% 51.0% 6.9% 14.2%
Financial health
Loans / deposits 76.2% 78.7% 79.4% 81.1% 66.9% 58.2% 95.5% 88.9% 89.3% 87.3%
Provision / loans — — — — — −0.4% 0.5% 0.7% 0.3% 0.4%
Capital allocation
Stock comp / revenue 1.2% 1.6% 1.5% 1.6% 1.8% 0.9% 0.8% 0.9% 1.0% 1.4%

Source: SEC EDGAR XBRL filings (CIK 0000887343). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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