Columbia Banking System vs Flagstar Bank
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KIRAβs take AI analyst
I put Columbia Banking System and Flagstar Bank side by side, using each oneβs latest annual report. Here is what stands out:
- Columbia Banking System is the larger business, with $2.3B of revenue in fiscal 2025 against $2.1B for Flagstar Bank.
- Columbia Banking System grew revenue faster (19.3%, against β19.2%).
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Columbia Banking System
COLB
5/5
Revenue growth5-year growthNet marginReturn on equityShare count change
Flagstar Bank
FLG
0/5
Side by side
Best in the row
| Latest fiscal year | COLB FY25 | FLG FY25 |
|---|---|---|
| Size | ||
| Market cap | $7.4B | $4.2B |
| Revenue | $2.3B | $2.1B |
| Free cash flow | β | β |
| Net income | $550M | β$177M |
| Growth | ||
| Revenue growth | 19.3% | β19.2% |
| 5-year growth | 30.6% | 12.2% |
| Share count change | 14.2% | 25.6% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 23.9% | β8.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.5% | β2.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $444M | $15.0M |
| Valuation & quality | ||
| P/E | 12.1x | β |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
COLB $422M
FLG $1.4B
FY17
COLB $478M
FLG $1.3B
FY18
COLB $567M
FLG $1.1B
FY19
COLB $591M
FLG $1.0B
FY20
COLB $605M
FLG $1.2B
FY21
COLB $1.3B
FLG $1.4B
FY22
COLB $1.3B
FLG $1.6B
FY23
COLB $2.0B
FLG $5.8B
FY24
COLB $1.9B
FLG $2.6B
FY25
COLB $2.3B
FLG $2.1B
COLB
FLG
Operating margin
FY16
COLB β
FLG β
FY17
COLB β
FLG β
FY18
COLB β
FLG β
FY19
COLB β
FLG β
FY20
COLB β
FLG β
FY21
COLB β
FLG β
FY22
COLB β
FLG β
FY23
COLB β
FLG β
FY24
COLB β
FLG β
FY25
COLB β
FLG β
COLB
FLG
Free cash flow
FY16
COLB β
FLG β
FY17
COLB β
FLG β
FY18
COLB β
FLG β
FY19
COLB β
FLG β
FY20
COLB β
FLG β
FY21
COLB β
FLG β
FY22
COLB β
FLG β
FY23
COLB β
FLG β
FY24
COLB β
FLG β
FY25
COLB β
FLG β
COLB
FLG
Return on capital
FY16
COLB β
FLG β
FY17
COLB β
FLG β
FY18
COLB β
FLG β
FY19
COLB β
FLG β
FY20
COLB β
FLG β
FY21
COLB β
FLG β
FY22
COLB β
FLG β
FY23
COLB β
FLG β
FY24
COLB β
FLG β
FY25
COLB β
FLG β
COLB
FLG
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.