Columbia Banking System Inc - Understand $colb stock

$COLB Market Cap: $6.485 Billion

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Financial Snapshot

Revenue

$2.079B

TTM

Gross Margin

Net Earnings

$483.9M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$51.91B

Q3 2024

Total Liabilities

$46.63B

Q3 2024

Book Value

$5.274B

Q3 2024

Cash

$2.111B

Q3 2024

P/E

13.40

Nov 13, 2024 EST

Free Cash Flow

$323.4M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Revenue	$134.3M	$646.5M	$536.1M	$517.8M	$530.0M	$497.1M	$374.7M	$338.0M	$328.9M	$308.0M	$296.9M	$248.5M	$251.3M	$185.9M	$143.0M
YoY Change	-79.23%	20.6%	3.53%	-2.29%	6.62%	32.64%	10.88%	2.76%	6.77%	3.74%	19.49%	-1.1%	35.18%	29.95%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$134.3M	$646.5M	$536.1M	$517.8M	$530.0M	$497.1M	$374.7M	$338.0M	$328.9M	$308.0M	$296.9M	$248.5M	$251.3M	$185.9M	$143.0M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development		$41.12M	$33.50M	$29.45M	$27.10M	$20.24M	$18.21M	$16.49M	$17.42M	$15.37M	$14.08M	$9.714M	$8.484M	$8.769M	$5.482M
YoY Change		22.74%	13.75%	8.69%	33.9%	11.15%	10.41%	-5.36%	13.35%	9.19%	44.9%	14.5%	-3.25%	59.96%
% of Gross Profit
Depreciation & Amortization	$144.3M	$49.02M	$23.20M	$14.90M	$34.20M	$33.00M	$31.10M	$34.50M	$30.30M	$44.50M	$40.40M	$57.30M	$46.10M	$11.40M	$7.500M	$7.000M	$6.700M	$7.700M	$8.900M	$9.300M	$10.20M	$4.700M	$1.500M	$1.900M	$2.300M	$2.300M	$2.200M	$2.700M	$1.600M	$1.600M	$1.200M	$300.0K	$100.0K
YoY Change	194.28%	111.28%	55.7%	-56.43%	3.64%	6.11%	-9.86%	13.86%	-31.91%	10.15%	-29.49%	24.3%	304.39%	52.0%	7.14%	4.48%	-12.99%	-13.48%	-4.3%	-8.82%	117.02%	213.33%	-21.05%	-17.39%	0.0%	4.55%	-18.52%	68.75%	0.0%	33.33%	300.0%	200.0%
% of Gross Profit
Operating Expenses		$41.12M	$33.50M	$29.45M	$27.10M	$20.24M	$18.21M	$16.49M	$17.42M	$15.37M	$14.08M	$9.714M	$8.484M	$8.769M	$5.482M
YoY Change		22.74%	13.75%	8.69%	33.9%	11.15%	10.41%	-5.36%	13.35%	9.19%	44.9%	14.5%	-3.25%	59.96%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$746.2M	$23.65M	$8.546M	$17.70M	$36.55M	$18.23M	$6.757M	$4.350M	$4.004M	$3.994M	$5.840M	$9.577M	$14.54M	$21.09M	$27.68M
YoY Change	3055.66%	176.68%	-51.71%	-51.57%	100.48%	169.79%	55.33%	8.64%	0.25%	-31.61%	-39.02%	-34.11%	-31.09%	-23.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Pretax Income	$471.2M	$317.6M	$256.5M	$192.4M	$241.6M	$211.8M	$178.0M	$149.8M	$141.6M	$117.8M	$87.01M	$63.71M	$65.94M	$33.08M	-$12.95M	$1.100M	$44.10M	$44.20M	$41.30M	$31.90M	$27.80M	$14.90M	$18.90M	$15.30M	$17.60M	$15.40M	$12.10M	$5.100M	$8.800M	-$500.0K	-$2.700M	$1.000M	$400.0K
YoY Change	48.34%	23.83%	33.33%	-20.37%	14.06%	19.02%	18.83%	5.76%	20.24%	35.37%	36.58%	-3.39%	99.37%	-355.48%	-1276.91%	-97.51%	-0.23%	7.02%	29.47%	14.75%	86.58%	-21.16%	23.53%	-13.07%	14.29%	27.27%	137.25%	-42.05%	-1860.0%	-81.48%	-370.0%	150.0%
Income Tax	$122.5M	$67.47M	$53.69M	$38.15M	$47.16M	$38.95M	$65.16M	$44.92M	$42.79M	$36.21M	$26.99M	$17.56M	$17.91M	$2.291M	-$8.978M	-$4.900M	$11.80M	$12.10M	$11.70M	$9.400M	$8.300M	$4.000M	$6.400M	$5.200M	$5.900M	$5.200M	$2.800M	$500.0K	$400.0K	$0.00	$0.00	$0.00	$0.00
% Of Pretax Income	25.99%	21.24%	20.93%	19.83%	19.52%	18.39%	36.61%	29.99%	30.22%	30.74%	31.02%	27.57%	27.15%	6.93%		-445.45%	26.76%	27.38%	28.33%	29.47%	29.86%	26.85%	33.86%	33.99%	33.52%	33.77%	23.14%	9.8%	4.55%			0.0%	0.0%
Net Earnings	$348.7M	$250.2M	$202.8M	$154.2M	$194.5M	$172.9M	$112.8M	$104.9M	$98.83M	$81.57M	$60.02M	$46.14M	$48.04M	$30.78M	-$3.968M	$6.000M	$32.40M	$32.10M	$29.60M	$22.50M	$19.50M	$10.90M	$12.50M	$10.10M	$11.70M	$10.20M	$9.300M	$4.600M	$8.400M	-$600.0K	-$2.400M	$1.000M	$400.0K
YoY Change	39.39%	23.35%	31.49%	-20.68%	12.48%	53.23%	7.59%	6.11%	21.15%	35.92%	30.07%	-3.94%	56.05%	-875.81%	-166.13%	-81.48%	0.93%	8.45%	31.56%	15.38%	78.9%	-12.8%	23.76%	-13.68%	14.71%	9.68%	102.17%	-45.24%	-1500.0%	-75.0%	-340.0%	150.0%
Net Earnings / Revenue	259.73%	38.7%	37.83%	29.79%	36.69%	34.78%	30.11%	31.03%	30.05%	26.48%	20.21%	18.57%	19.12%	16.56%	-2.77%
Basic Earnings Per Share	$1.79	$3.20	$2.79	$2.17	$2.68	$2.36	$1.86	$1.81	$1.71	$1.53	$1.24	$1.16	$1.22	$0.73	-$0.38
Diluted Earnings Per Share	$1.78	$3.199M	$2.78	$2.17	$2.68	$2.36	$1.86	$1.81	$1.71	$1.52	$1.21	$1.16	$1.21	$0.72	-$0.38	$333.3K	$1.906M	$1.994M	$1.862M	$1.520M	$1.373M	$778.6K	$868.1K	$696.6K	$806.9K	$703.4K	$654.9K	$442.3K	$913.0K	-$77.92K	-$470.6K	$263.2K	$222.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$454.8M	$160.6M	$232.0M	$224.0M	$223.0M	$169.0M	$169.0M	$150.0M	$164.0M	$172.0M	$155.0M	$119.0M	$108.0M	$93.00M	$63.00M	$61.00M	$56.00M	$45.00M	$45.00M	$45.00M	$51.00M	$53.00M	$52.00M	$48.00M	$39.00M	$37.00M	$27.00M	$19.00M	$14.00M	$9.000M	$7.000M	$5.000M	$3.000M
YoY Change	183.22%	-30.79%	3.57%	0.45%	31.95%	0.0%	12.67%	-8.54%	-4.65%	10.97%	30.25%	10.19%	16.13%	47.62%	3.28%	8.93%	24.44%	0.0%	0.0%	-11.76%	-3.77%	1.92%	8.33%	23.08%	5.41%	37.04%	42.11%	35.71%	55.56%	28.57%	40.0%	66.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$347.2M
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$52.17B	$20.27B	$20.95B	$16.59B	$14.08B	$13.10B	$12.72B	$9.510B	$8.952B	$8.579B	$7.162B	$4.906B	$4.786B	$4.256B	$3.201B	$3.097B	$3.179B	$2.553B	$2.377B	$2.177B	$1.744B	$1.700B	$1.498B	$1.496B	$1.237B	$1.060B	$865.0M	$706.0M	$425.0M	$319.0M	$236.0M	$159.0M	$100.0M
YoY Change
Accounts Payable																							$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.000M	$2.000M	$1.000M	$0.00	$0.00
YoY Change																												-100.0%	50.0%	100.0%
Accrued Expenses	$130.6M	$58.54M	$66.00M	$68.00M	$63.00M
YoY Change	123.04%	-11.3%	-2.94%	7.94%
Deferred Revenue
YoY Change
Short-Term Debt	$252.1M	$95.17M	$86.00M	$74.00M	$64.00M	$61.00M	$79.00M	$81.00M	$100.0M	$113.0M	$25.00M	$25.00M	$25.00M	$26.00M	$25.00M	$25.00M	$5.000M	$20.00M	$3.000M	$3.000M			$0.00	$5.000M	$3.000M	$0.00	$0.00	$2.000M	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	164.92%	10.66%	16.22%	15.63%	4.92%	-22.78%	-2.47%	-19.0%	-11.5%	352.0%	0.0%	0.0%	-3.85%	4.0%	0.0%	400.0%	-75.0%	566.67%	0.0%				-100.0%	66.67%			-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$382.7M	$58.54M	$66.00M	$68.00M	$63.00M	$61.00M	$79.00M	$81.00M	$100.0M	$113.0M	$25.00M	$25.00M	$25.00M	$26.00M	$25.00M	$25.00M	$5.000M	$20.00M	$3.000M	$3.000M				$5.000M	$3.000M			$2.000M	$3.000M	$2.000M	$1.000M
YoY Change	553.7%	-11.3%	-2.94%	7.94%	3.28%	-22.78%	-2.47%	-19.0%	-11.5%	352.0%	0.0%	0.0%	-3.85%	4.0%	0.0%	400.0%	-75.0%	566.67%	0.0%					66.67%				-33.33%	50.0%	100.0%
Long-Term Debt	$4.374B	$20.31M	$20.00M	$35.00M	$35.00M	$35.00M	$44.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$26.00M	$26.00M	$26.00M	$26.00M	$22.00M	$22.00M	$22.00M	$22.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.000M	$3.000M	$7.000M	$10.00M	$4.000M
YoY Change	21437.84%	1.55%	-42.86%	0.0%	0.0%	-20.45%							-100.0%	0.0%	0.0%	0.0%	18.18%	0.0%	0.0%	0.0%								-100.0%	0.0%	-57.14%	-30.0%	150.0%
Other Long-Term Liabilities	$814.5M	$271.4M	$166.0M	$183.0M	$119.0M	$107.0M	$100.0M	$112.0M	$103.0M	$96.00M	$87.00M	$69.00M	$67.00M	$51.00M	$39.00M	$49.00M	$51.00M	$29.00M	$26.00M	$17.00M	$11.00M	$34.00M	$33.00M	$11.00M	$8.000M	$7.000M	$7.000M	$6.000M	$1.000M	$0.00	$1.000M	$1.000M	$1.000M
YoY Change	200.06%	63.52%	-9.29%	53.78%	11.21%	7.0%	-10.71%	8.74%	7.29%	10.34%	26.09%	2.99%	31.37%	30.77%	-20.41%	-3.92%	75.86%	11.54%	52.94%	54.55%	-67.65%	3.03%	200.0%	37.5%	14.29%	0.0%	16.67%	500.0%		-100.0%	0.0%	0.0%
Total Long-Term Liabilities	$5.189B	$291.8M	$186.0M	$218.0M	$154.0M	$142.0M	$144.0M	$112.0M	$103.0M	$96.00M	$87.00M	$69.00M	$67.00M	$77.00M	$65.00M	$75.00M	$77.00M	$51.00M	$48.00M	$39.00M	$33.00M	$34.00M	$33.00M	$11.00M	$8.000M	$7.000M	$7.000M	$6.000M	$4.000M	$3.000M	$8.000M	$11.00M	$5.000M
YoY Change	1678.48%	56.86%	-14.68%	41.56%	8.45%	-1.39%	28.57%	8.74%	7.29%	10.34%	26.09%	2.99%	-12.99%	18.46%	-13.33%	-2.6%	50.98%	6.25%	23.08%	18.18%	-2.94%	3.03%	200.0%	37.5%	14.29%	0.0%	16.67%	50.0%	33.33%	-62.5%	-27.27%	120.0%
Total Liabilities	$47.18B	$18.05B	$18.36B	$14.24B	$11.92B	$11.06B	$10.77B	$8.259B	$7.710B	$7.351B	$6.108B	$4.142B	$4.027B	$3.549B	$2.673B	$2.682B	$2.837B	$2.301B	$2.151B	$1.974B	$1.594B	$1.567B	$1.379B	$1.383B	$1.138B	$970.0M	$786.0M	$638.0M	$393.0M	$290.0M	$206.0M	$147.0M	$96.00M
YoY Change	161.34%	-1.66%	28.94%	19.44%	7.77%	2.73%	30.37%	7.12%	4.88%	20.35%	47.46%	2.86%	13.47%	32.77%	-0.34%	-5.46%	23.29%	6.97%	8.97%	23.84%	1.72%	13.63%	-0.29%	21.53%	17.32%	23.41%	23.2%	62.34%	35.52%	40.78%	40.14%	53.13%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	195.3M shares	78.05M shares	72.68M shares	70.84M shares	72.00M shares	72.39M shares	59.88M shares	57.18M shares	57.02M shares	52.62M shares	47.99M shares	39.26M shares	39.10M shares	35.21M shares	21.85M shares
Diluted Shares Outstanding	195.9M shares	78.19M shares	72.87M shares	70.88M shares	72.03M shares	72.39M shares	59.89M shares	57.19M shares	57.03M shares	53.18M shares	49.05M shares	39.26M shares	39.18M shares	35.39M shares	21.85M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $6.485 Billion

About Columbia Banking System Inc

Columbia Banking System, Inc. is a bank holding company, which engages in the provision of financial services. The company is headquartered in Tacoma, Washington and currently employs 5,114 full-time employees. Through the Bank, the Company provides a broad range of banking, private banking, mortgage, and other financial services to corporate, institutional, small business, and individual customers. The bank offers specialized loans for corporate, middle market, and small business customers, including commercial lines of credit and term loans, and others. The company offers deposit products, including non-interest-bearing checking accounts, analyzed business accounts, interest-bearing checking and savings accounts, money market accounts, insured cash sweep and other investment sweep solutions. The Bank also provides loans to individual borrowers for a variety of purposes, including secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. The Bank primarily operates in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington State.

Industry: State Commercial Banks Peers: Atlantic Union Bankshares Corp Banner Corp First Financial Bancorp First Merchants Corp Independent Bank Group Inc Park National Corp PNC Financial Services Group Inc /entities/siclq WesBanco Inc