ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Columbia Banking System, Inc. ?
1
High Profitability with a Net Interest Margin of 31.08%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 35.64%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 627 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 858 MM
4
With ROA of 0.68%, it has a very attractive valuation with a 1.42 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 9.33%, its profits have risen by 15.7% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 21.76% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Columbia Banking System, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Columbia Banking System, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Columbia Banking System, Inc.
8.27%
1.26
36.21%
S&P 500
17.45%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
41.29%
EBIT Growth (5y)
31.89%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
63.04%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.42
EV to EBIT
13.80
EV to EBITDA
11.37
EV to Capital Employed
1.33
EV to Sales
3.37
PEG Ratio
0.83
Dividend Yield
NA
ROCE (Latest)
9.63%
ROE (Latest)
10.98%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 627 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 858 MM
OPERATING PROFIT(Q)
Highest at USD 319 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.18 %
PRE-TAX PROFIT(Q)
Highest at USD 321 MM
NET PROFIT(Q)
Highest at USD 244.73 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 465 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.13%
Here's what is working for Columbia Banking System, Inc.
NII
Highest at USD 627 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 858 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 858 MM has Grown at 25.51%
over average net sales of the previous four periods of USD 683.63 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 319 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.18 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 321 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 321 MM has Grown at 59.41%
over average net sales of the previous four periods of USD 201.36 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 244.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 244.73 MM has Grown at 61.86%
over average net sales of the previous four periods of USD 151.2 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 42 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 11.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Columbia Banking System, Inc.
Operating Cash Flow
Lowest at USD 465 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 88.13%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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