Recent News
Sept. 2, 2025 — Columbia announced completion of its acquisition of Pacific Premier, effective Aug. 31, 2025, expanding assets to about $70 billion, raising deposits to roughly $56 billion, and consolidating the brand effective Sept. 1, 2025. Aug. 15, 2025 — the Board declared a quarterly cash dividend of $0.36 per common share, payable Sept. 15, 2025. Aug. 22, 2025 — Columbia scheduled a presentation at the Barclays Global Financial Services Conference.
Technical Analysis
Directional indicators show limited trend strength: ADX reads 12.83, indicating no established trend, which tempers conviction in directional moves despite other bullish signals.
DI+ at 23.50 with a decreasing trend registers bearish directional pressure; DI- at 18.66 with a decreasing trend registers bullish directional pressure. The simultaneous decrease of both DI lines suggests directional conflict rather than a decisive momentum swing, increasing sensitivity to headline catalysts tied to the recent acquisition.
MACD sits at 0.25 with the MACD line above the signal line (0.13) and a rising MACD_trend, which constitutes a bullish momentum signal and supports the valuation-driven constructive bias for near-term upside.
MRO at -12.7 with a dip & reversal pattern indicates the price sits below the model target and carries upward potential; the negative oscillator together with the dip-and-reverse pattern suggests mean-reversion toward the fair-value target used in valuation.
RSI at 53.89 and rising signals moderate bullish momentum without overbought risk, which complements the MACD bullish crossover and supports a measured upward price bias while the ADX stays low.
Price sits above short- and medium-term averages — price close $27.11 exceeds the 20-day average $26.26, the 50-day average $26.08, and the 200-day average $24.55 — and the 12-day EMA shows an increasing trend; that alignment of price vs. moving averages adds constructive bias to the near-term outlook.
Ichimoku components place price above Senkou A ($26.15) and Senkou B ($24.98), reinforcing the short-term bullish context; Bollinger bands remain narrow, indicating contained volatility and room for directional follow-through if momentum confirms.
Fundamental Analysis
Earnings: Reported EPS $0.85 versus an estimate of $0.69 produced an EPS surprise of +23.19%, which strengthens reported profitability and immediate earnings momentum relative to consensus.
Profitability and returns: Return on assets stands at 0.295% and return on equity at 2.853%, each slightly above the industry peer mean (ROA mean 0.286%; ROE mean 2.698%), indicating marginally stronger efficiency versus peers on a reported basis.
Valuation multiples: Trailing P/E equals 31.51, below the industry peer mean P/E of 44.63 and below the industry peer median of 43.99 but above the industry peer low of 29.15; price-to-book sits at 0.97, below the industry peer mean book multiple of 1.26 and median 1.20. PEG ratio at 2.35 compares under the industry peer mean PEG of 4.68 and near the peer median of 2.44. Free cash flow yield registers 1.65%, below the industry peer mean of 2.43%, implying less FCF conversion relative to peers despite positive free-cash-flow in absolute terms ($85,034,000).
Balance sheet and leverage: Debt-to-assets equals 7.52%, slightly above the industry peer mean of 6.00%, while debt-to-equity equals 0.73, above the industry peer mean of 0.61; the acquisition materially increases total assets and deposits, and recent reporting notes integration costs and a one-month combined operating period affecting near-term expense ratios.
Growth and cash metrics: YoY revenue growth stands at -13.01% while sequential revenue growth shows a 3.55% quarter-over-quarter uptick. Earnings growth YoY measures +3.37% with a QoQ decline of -3.38%. Book value per share increased to $26.04 by the latest reported period. Capital expenditures and operating cash-flow remain positive; cash balances near $1.94 billion provide liquidity support during integration.
Valuation view: The current valuation as determined by WMDST values the stock as fair-valued, reflecting a mix of acquisition-driven scale, an EPS beat that improves near-term earnings power, and multiples that sit below peer means on price-based metrics but with near-term integration costs and below-peer free-cash-flow yield constraining upside.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-06-30 |
| REPORT DATE: | 2025-10-30 |
| NEXT REPORT DATE: | 2026-01-29 |
| CASH FLOW | Begin Period Cash Flow | $ 2.1 B |
| Operating Cash Flow | $ 106.8 M | |
| Capital Expenditures | $ -21.76 M | |
| Change In Working Capital | $ -96.72 M | |
| Dividends Paid | $ -75.30 M | |
| Cash Flow Delta | $ -130.54 M | |
| End Period Cash Flow | $ 1.9 B | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 510.9 M | |
| Forward Revenue | $ 119.3 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 32.9 M | |
| Depreciation and Amortization | $ 32.9 M | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 667.2 M | |
| Interest Expense | $ 224.2 M | |
| Net Interest Income | $ 443.0 M | |
| Income Before Tax | $ 203.5 M | |
| Tax Provision | $ 51.0 M | |
| Tax Rate | 25.1 % | |
| Net Income | $ 152.4 M | |
| Net Income From Continuing Operations | $ 152.4 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.69 | |
| EPS Actual | $ 0.85 | |
| EPS Difference | $ 0.16 | |
| EPS Surprise | 23.188 % | |
| Forward EPS | $ 0.68 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 51.9 B | |
| Intangible Assets | $ 1.6 B | |
| Net Tangible Assets | $ 3.8 B | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 1.9 B | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | $ 1.8 B | |
| Total Debt | $ 3.9 B | |
| Total Liabilities | $ 46.6 B | |
| EQUITY | ||
| Total Equity | $ 5.3 B | |
| Retained Earnings | $ -150.82 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 25.41 | |
| Shares Outstanding | 210.213 M | |
| Revenue Per-Share | $ 2.43 | |
| VALUATION | Market Capitalization | $ 5.2 B |
| Enterprise Value | $ 9.1 B | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 17.754 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 9.716 | |
| Asset To Liability | 1.115 | |
| Debt To Capital | 0.422 | |
| Debt To Assets | 0.075 | |
| Debt To Assets QoQ | 25.046 % | |
| Debt To Assets YoY | 1880.0 % | |
| Debt To Assets IPRWA | high: 0.165 COLB: 0.075 mean: 0.06 median: 0.06 low: 0.001 |
|
| Debt To Equity | 0.731 | |
| Debt To Equity QoQ | 23.529 % | |
| Debt To Equity YoY | 1738.607 % | |
| Debt To Equity IPRWA | high: 1.774 COLB: 0.731 mean: 0.605 median: 0.55 low: -0.158 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 0.967 | |
| Price To Book QoQ | -1.843 % | |
| Price To Book YoY | 18.277 % | |
| Price To Book IPRWA | high: 2.06 mean: 1.258 median: 1.196 COLB: 0.967 low: 0.014 |
|
| Price To Earnings (P/E) | 31.51 | |
| Price To Earnings QoQ | -14.033 % | |
| Price To Earnings YoY | 8.686 % | |
| Price To Earnings IPRWA | high: 85.266 mean: 44.625 median: 43.985 COLB: 31.51 low: 29.155 |
|
| PE/G Ratio | 2.346 | |
| Price To Sales (P/S) | 10.11 | |
| Price To Sales QoQ | -3.721 % | |
| Price To Sales YoY | 17.326 % | |
| Price To Sales IPRWA | high: 24.824 mean: 13.255 median: 12.564 COLB: 10.11 low: 0.128 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 34.699 | |
| Forward PE/G | 2.583 | |
| Forward P/S | 43.282 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.01 | |
| Asset Turnover Ratio QoQ | 3.673 % | |
| Asset Turnover Ratio YoY | 9.051 % | |
| Asset Turnover Ratio IPRWA | high: 0.016 mean: 0.01 COLB: 0.01 median: 0.01 low: 0.006 |
|
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.043 | |
| CapEx To Depreciation | -0.662 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 9.1 B | |
| Net Invested Capital | $ 9.1 B | |
| Invested Capital | $ 9.1 B | |
| Net Tangible Assets | $ 3.8 B | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 4.796 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 2.024 | |
| Dividend Payout Ratio | 0.494 | |
| Dividend Rate | $ 0.36 | |
| Dividend Yield | 0.015 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 0.742 % | |
| Revenue Growth | 3.976 % | |
| Revenue Growth QoQ | 355.441 % | |
| Revenue Growth YoY | -1301.208 % | |
| Revenue Growth IPRWA | high: 19.743 % COLB: 3.976 % mean: 3.959 % median: 3.469 % low: -10.94 % |
|
| Earnings Growth | 13.433 % | |
| Earnings Growth QoQ | -338.427 % | |
| Earnings Growth YoY | 336.562 % | |
| Earnings Growth IPRWA | high: 66.667 % mean: 14.09 % COLB: 13.433 % median: 13.068 % low: -44.444 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 85.0 M | |
| Free Cash Flow Yield | 1.646 % | |
| Free Cash Flow Yield QoQ | -30.254 % | |
| Free Cash Flow Yield YoY | -53.437 % | |
| Free Cash Flow Yield IPRWA | high: 8.216 % mean: 2.425 % median: 2.071 % COLB: 1.646 % low: -4.487 % |
|
| Free Cash Growth | -30.169 % | |
| Free Cash Growth QoQ | -38.814 % | |
| Free Cash Growth YoY | 51.405 % | |
| Free Cash Growth IPRWA | high: 617.063 % median: 1.088 % mean: -20.005 % COLB: -30.169 % low: -480.617 % |
|
| Free Cash To Net Income | 0.558 | |
| Cash Flow Margin | 36.272 % | |
| Cash Flow To Earnings | 1.216 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.04 | |
| Return On Assets (ROA) | 0.295 % | |
| Return On Assets QoQ | 75.595 % | |
| Return On Assets YoY | 28.261 % | |
| Return On Assets IPRWA | high: 0.612 % COLB: 0.295 % mean: 0.286 % median: 0.276 % low: -0.094 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.029 | |
| Return On Equity QoQ | 72.491 % | |
| Return On Equity YoY | 18.186 % | |
| Return On Equity IPRWA | high: 0.044 COLB: 0.029 median: 0.028 mean: 0.027 low: -0.015 |
|
| DuPont ROE | 2.881 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |