Columbia Banking System vs Pinnacle Financial Partners
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The short version
- Columbia Banking System is the larger business, with $2.3B of revenue in fiscal 2025 against $2.1B for Pinnacle Financial Partners.
- Columbia Banking System grew revenue faster (19.3%, against 18.3%).
| Latest fiscal year | COLB Β· FY25 | PNFP Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $7.4B | $7.8B |
| Revenue | $2.3B | $2.1B |
| Free cash flow | β | β |
| Net income | $550M | $642M |
| Growth | ||
| Revenue growth | 19.3% | 18.3% |
| 5-year growth | 30.6% | 12.5% |
| Share count change | 14.2% | 0.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 23.9% | 31.2% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.5% | 9.5% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $444M | $74.7M |
| Valuation & quality | ||
| P/E | 12.1x | β |
| Piotroski F-score | β | β |
Revenue
FY16
COLB $422M
PNFP $446M
FY17
COLB $478M
PNFP $688M
FY18
COLB $567M
PNFP $937M
FY19
COLB $591M
PNFP $1.0B
FY20
COLB $605M
PNFP $1.1B
FY21
COLB $1.3B
PNFP $1.3B
FY22
COLB $1.3B
PNFP $1.5B
FY23
COLB $2.0B
PNFP $1.7B
FY24
COLB $1.9B
PNFP $1.7B
FY25
COLB $2.3B
PNFP $2.1B
COLB
PNFP
Operating margin
FY16
COLB β
PNFP β
FY17
COLB β
PNFP β
FY18
COLB β
PNFP β
FY19
COLB β
PNFP β
FY20
COLB β
PNFP β
FY21
COLB β
PNFP β
FY22
COLB β
PNFP β
FY23
COLB β
PNFP β
FY24
COLB β
PNFP β
FY25
COLB β
PNFP β
COLB
PNFP
Free cash flow
FY16
COLB β
PNFP β
FY17
COLB β
PNFP β
FY18
COLB β
PNFP β
FY19
COLB β
PNFP β
FY20
COLB β
PNFP β
FY21
COLB β
PNFP β
FY22
COLB β
PNFP β
FY23
COLB β
PNFP β
FY24
COLB β
PNFP β
FY25
COLB β
PNFP β
COLB
PNFP
Return on capital
FY16
COLB β
PNFP β
FY17
COLB β
PNFP β
FY18
COLB β
PNFP β
FY19
COLB β
PNFP β
FY20
COLB β
PNFP β
FY21
COLB β
PNFP β
FY22
COLB β
PNFP β
FY23
COLB β
PNFP β
FY24
COLB β
PNFP β
FY25
COLB β
PNFP β
COLB
PNFP
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.