US · COLB
Columbia Banking System, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Tacoma, WA 98402-2156
- Website
- columbiabank.com
Price · as of 2025-12-31
$29.56
Market cap 6.77B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $41.73 | +41.17% |
| Intrinsic Value(DCF) | $139.88 | +373.21% |
| Graham-Dodd Method(GD) | $30.84 | +4.32% |
| Graham Formula(GF) | $30.10 | +1.83% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $12.02 | $39.06 | $15.51 | $8.83 | $7.05 |
| 2012 | $12.07 | $36.07 | $24.27 | $7.79 | $9.32 |
| 2013 | $16.49 | $48.26 | $15.44 | $6.20 | $4.79 |
| 2014 | $17.88 | $46.64 | $21.91 | $6.67 | $64.67 |
| 2015 | $19.62 | $34.13 | $57.08 | $5.26 | $27.98 |
| 2016 | $26.40 | $38.31 | $40.40 | $5.28 | $8.69 |
| 2017 | $30.60 | $38.33 | $16.64 | $5.50 | $10.42 |
| 2018 | $25.43 | $38.46 | $17.00 | $5.64 | $25.68 |
| 2019 | $23.72 | $37.80 | $18.09 | $6.90 | $27.21 |
| 2020 | $39.11 | $27.29 | $3.32 | $0.00 | $0.00 |
| 2021 | $28.18 | $45.42 | $14.95 | $9.56 | $2.02 |
| 2022 | $19.89 | $42.86 | $11.53 | $6.59 | $15.88 |
| 2023 | $17.43 | $59.93 | $283.95 | $8.48 | $191.45 |
| 2024 | $23.73 | $31.18 | $654.56 | $10.81 | $40.89 |
| 2025 | $29.04 | $41.73 | $250.96 | $30.84 | $30.10 |
AI valuation
Our deep-learning model estimates Columbia Banking System, Inc.'s (COLB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $41.73
- Current price
- $29.56
- AI upside
- +41.17%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$139.88
+373.21% upside
Graham-Dodd
$30.84
+4.32% upside
Graham Formula
$30.10
+1.83% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| COLB | Columbia Banking System, … | $29.56 | 6.77B | +41% | +373% | +4% | +2% | 15.60 | 1.09 | 2.67 | 13.30 | — | 1.52 | 67.66% | 23.38% | 17.11% | 8.49% | 6.27% | 0.93% | 0.49 | 0.82 | 0.01 | 0.01 | 3.72 | -980.00% | 835.00% | 1970.00% | 8.70% | 0.02 | 8.24% | 0.00% | 0.00% | 0.00% | 15.85 | 15.96 | 3.71 | -0.63 |
| BMA | Banco Macro S.A. | $77.18 | 4.93B | +9,876% | +162% | -7% | — | 24.61 | 1.36 | 1.75 | — | — | -0.04 | 100.00% | 61.18% | 7.11% | 0.01% | 0.08% | 0.00% | 286.47 | — | — | — | — | -9994.00% | -9996.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 604.91 | — | 370.08 | 0.00 |
| FNB | F.N.B. Corporation | $16.99 | 6.07B | +215% | -15% | -26% | +20% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| HOMB | Home Bancshares, Inc. | $27.46 | 5.4B | +20% | +11% | -2% | -74% | 11.59 | 1.28 | 4.01 | 5.40 | 58.25 | 1.92 | 77.30% | 43.75% | 34.59% | 11.51% | 20.51% | 2.10% | 0.22 | 1.47 | — | — | 0.43 | 1990.00% | -535.00% | -2225.00% | 5.95% | — | 14.16% | 0.00% | 0.00% | 1.98% | 5.55 | 10.17 | 2.43 | 0.63 |
| PB | Prosperity Bancshares, In… | $70.37 | 6.86B | -39% | +3% | +3% | -35% | 12.35 | 0.88 | 3.86 | -2.16 | 93.07 | 1.65 | 71.88% | 39.90% | 31.23% | 7.21% | -36.05% | 1.39% | 0.28 | 1.42 | 0.81 | 5.02 | 2.17 | 1327.00% | -23.00% | 2169.00% | 8.20% | 0.26 | -36.49% | 0.00% | 0.00% | 0.00% | -2.65 | -3.34 | -1.06 | 0.36 |
| PNFP | Pinnacle Financial Partne… | $90.76 | 6.98B | -38% | +1% | -18% | +56% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| SNV | Synovus Financial Corp. | $50.05 | 6.95B | -44% | -10% | -55% | -38% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
| VLY | Valley National Bancorp | $12.61 | 7.03B | +60% | -14% | +27% | -49% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
About Columbia Banking System, Inc.
Columbia Banking System, Inc. operates as the bank holding company for Columbia State Bank that provides a range of banking services to small and medium-sized businesses, professionals, and individuals in the United States. It offers personal banking products and services, including noninterest and interest-bearing checking, savings, money market, and certificate of deposit accounts; home mortgages for purchases and refinances, home equity loans and lines of credit, and other personal loans; debit and credit cards; and digital banking services. The company also provides business banking products and services, such as checking, savings, interest-bearing money market, and certificate of deposit accounts; agricultural, asset-based, builder, and other commercial real estate loans, as well as loans guaranteed by the small business administration; and professional banking, treasury management, merchant card, and international banking services. In addition, it offers wealth management solutions that include financial planning services, such as asset allocation, net worth analysis, estate planning and preservation, education funding, and wealth transfer; long-term care, and life and disability insurance solutions; individual retirement solutions comprising retirement planning, retirement income strategies, and traditional and Roth individual retirement accounts; and business solutions, which comprise business retirement plans, key person insurance, business succession planning, and deferred compensation plans to individuals, families, and professional businesses. Further, the company provides fiduciary, investment, and administrative trust services, such as personal and special needs trusts, estate settlement, and investment agency and charitable management. It operates a network of 153 branch locations, including 68 in the state of Washington, 59 in Oregon, 15 in Idaho, and 11 in California. The company was founded in 1993 and is headquartered in Tacoma, Washington.
- CEO
- Ronald L. Farnsworth Jr.
- Employees
- 4.72K
- Beta
- 0.68
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($139.88 ÷ $29.56) − 1 = +373.21% (DCF, example).