ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Columbia Banking System, Inc. ?
1
High Profitability with a Net Interest Margin of 27.11%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 31.89%
3
Positive results in Jun 25
- OPERATING PROFIT MARGIN(Q) Highest at 31.5 %
- NII(Q) Highest at USD 446.45 MM
- CASH AND EQV(HY) Highest at USD 1,199.32 MM
4
With ROA of 0.65%, it has a very attractive valuation with a 0.97 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 -11.22%, its profits have risen by 5.2% ; the PEG ratio of the company is 1.9
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
-7.43%
1.41
36.43%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
38.80%
EBIT Growth (5y)
28.35%
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
56.48%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.97
EV to EBIT
9.20
EV to EBITDA
7.45
EV to Capital Employed
0.97
EV to Sales
2.09
PEG Ratio
1.94
Dividend Yield
NA
ROCE (Latest)
10.58%
ROE (Latest)
10.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING PROFIT MARGIN(Q)
Highest at 31.5 %
NII(Q)
Highest at USD 446.45 MM
CASH AND EQV(HY)
Highest at USD 1,199.32 MM
OPERATING PROFIT(Q)
Highest at USD 211.24 MM
PRE-TAX PROFIT(Q)
Highest at USD 211.65 MM
NET PROFIT(Q)
Highest at USD 158.56 MM
EPS(Q)
Highest at USD 0.73
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 551.88 MM
Here's what is working for Columbia Banking System, Inc.
Operating Profit Margin
Highest at 31.5 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
NII
Highest at USD 446.45 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 211.24 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 211.65 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 158.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.73
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 1,199.32 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 10.8%
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 551.88 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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