Columbia Banking System Inc (COLB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Columbia Banking System Inc stock (COLB) is currently trading at $27.60. Columbia Banking System Inc PE ratio is 11.90. Columbia Banking System Inc PS ratio (Price-to-Sales) is 3.79. Analyst consensus price target for COLB is $32.42. WallStSmart rates COLB as Moderate Buy.
- COLB PE ratio analysis and historical PE chart
- COLB PS ratio (Price-to-Sales) history and trend
- COLB intrinsic value — DCF, Graham Number, EPV models
- COLB stock price prediction 2025 2026 2027 2028 2029 2030
- COLB fair value vs current price
- COLB insider transactions and insider buying
- Is COLB undervalued or overvalued?
- Columbia Banking System Inc financial analysis — revenue, earnings, cash flow
- COLB Piotroski F-Score and Altman Z-Score
- COLB analyst price target and Smart Rating
Columbia Banking System Inc
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COLB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Columbia Banking System Inc (COLB)
COLB appears undervalued based on the Graham Formula, trading 17% below its estimated fair value of $38.05.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Columbia Banking System Inc (COLB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Columbia Banking System Inc (COLB) Key Strengths (6)
Keeps $53 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 51.20% year-over-year
Keeps $26 of every $100 in revenue as net profit
100.09% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Columbia Banking System Inc (COLB) Areas to Watch (4)
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Modest earnings growth at 6.00%
Revenue is fairly priced at 3.79x sales
Columbia Banking System Inc (COLB) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 52.90%, Profit Margin at 25.60%. Growth metrics are encouraging with Revenue Growth at 51.20%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, EPS Growth. Some valuation metrics including PEG Ratio (2.26), Price/Sales (3.79) suggest expensive pricing. Growth concerns include EPS Growth at 6.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.49%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.49% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 51.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
COLB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
COLB's Price-to-Sales ratio of 3.79x trades at a deep discount to its historical average of 11.92x (3th percentile). The current valuation is 89% below its historical high of 33.46x set in Jun 2006, and 6% above its historical low of 3.58x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Columbia Banking System Inc (COLB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Columbia Banking System Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 2.2B with 51% growth year-over-year. Profit margins are strong at 25.6%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 51% YoY, reaching 2.2B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 849.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Columbia Banking System Inc maintain 51%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Columbia Banking System Inc.
Bottom Line
Columbia Banking System Inc offers an attractive blend of growth (51% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Columbia Banking System Inc(COLB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Columbia Banking System, Inc. is the banking holding company for Columbia State Bank providing a range of banking services to small and medium-sized businesses, professionals, and individuals in Washington, Oregon, and Idaho. The company is headquartered in Tacoma, Washington.