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Upturn AI SWOT - About
COLB 
Columbia Banking System Inc (COLB)
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Upturn Advisory Summary
02/21/2025: COLB (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 4.69% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/21/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.23B USD | Price to earnings Ratio 9.78 | 1Y Target Price 30.86 |
Price to earnings Ratio 9.78 | 1Y Target Price 30.86 | ||
Volume (30-day avg) 1333887 | Beta 0.87 | 52 Weeks Range 16.10 - 32.04 | Updated Date 03/31/2025 |
52 Weeks Range 16.10 - 32.04 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 5.82% | Basic EPS (TTM) 2.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.27% | Operating Margin (TTM) 50.5% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10.55% |
Valuation
Trailing PE 9.78 | Forward PE 9.36 | Enterprise Value 7386946560 | Price to Sales(TTM) 2.85 |
Enterprise Value 7386946560 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 4.61 | Enterprise Value to EBITDA - | Shares Outstanding 209648992 | Shares Floating 207875399 |
Shares Outstanding 209648992 | Shares Floating 207875399 | ||
Percent Insiders 0.61 | Percent Institutions 94.94 |
Analyst Ratings
Rating 3.33 | Target Price 33 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 9 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Columbia Banking System Inc
Company Overview
History and Background
Columbia Banking System Inc. was founded in 1910 in Tacoma, Washington, as a small community bank. Over the years, it expanded through organic growth and acquisitions, evolving into a significant regional bank in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including commercial loans, deposit accounts, and treasury management services.
- Retail Banking: Offers personal banking products and services such as checking and savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides wealth management and investment advisory services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure typically involves regional management teams overseeing branch operations and specialized departments for different business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, contributing significantly to revenue. Competitors include US Bank (USB), KeyCorp (KEY), and regional banks.
- Residential Mortgages: Mortgages offered to individual customers. Competitors include Wells Fargo (WFC), Bank of America (BAC), and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to both commercial and retail customers. Competitors include Chase (JPM), Bank of America (BAC), and online banks.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions significantly impact bank profitability.
Positioning
Columbia Banking System Inc. is positioned as a regional bank focusing on the Pacific Northwest market. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking in the Pacific Northwest is estimated to be in the billions of dollars. Columbia Banking System Inc. aims to capture a larger share through strategic growth and customer service excellence.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Pacific Northwest
- Diversified revenue streams
- Experienced management team
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on regional economy
- Smaller scale compared to national banks
- Integration challenges after acquisitions
Opportunities
- Expanding into new markets within the Pacific Northwest
- Leveraging technology to enhance customer experience
- Acquiring smaller community banks
- Increasing wealth management services
Threats
- Increasing competition from larger national banks
- Economic downturns in the Pacific Northwest
- Rising interest rates
- Regulatory changes impacting the banking industry
Competitors and Market Share
Key Competitors
- U.S. Bancorp (USB)
- KeyCorp (KEY)
- WaFd Bank (WAFD)
Competitive Landscape
Columbia Banking System Inc. faces strong competition from larger national banks and other regional players. It competes on local market knowledge, customer service, and tailored financial solutions. Its disadvantages stem from its smaller scale and limited geographic diversification compared to national competitors.
Major Acquisitions
HomeStreet Bank
- Year: 2024
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Strategic acquisition to gain a larger foothold in the Pacific Northwest and increase market share and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Need data on company growth trends.
Future Projections: Need analyst data and estimates.
Recent Initiatives: Need data on company strategic initiatives.
Summary
Columbia Banking System Inc. is a regional bank with a strong presence in the Pacific Northwest. Its strengths lie in its customer relationships and local market knowledge. However, it faces competition from larger banks and needs to manage economic risks and regulatory changes carefully to sustain growth.
Similar Companies
- UMPQ
- WSBC
- BOKF
- OZK
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Columbia Banking System Inc
Exchange NASDAQ | Headquaters Tacoma, WA, United States | ||
IPO Launch date 1992-06-16 | President, CEO & Director Mr. Clint E. Stein CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4721 | |
Full time employees 4721 | |||
Columbia Banking System, Inc. operates as the Bank holding company of Umpqua Bank that provides banking, private banking, mortgage, and other financial services in the United States. The company offers deposit products, including business, non-interest-bearing checking, interest-bearing checking and savings, and money market; and insured cash sweep and other investment sweep solutions. It also provides commercial lending products, such as commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, commercial property loans, multifamily loans, equipment loans, commercial equipment leases, and real estate construction loans; and permanent financing and small business administration program financing, as well as capital markets. In addition, the company offers wealth management comprising financial planning, investment, trust, and insurance; and treasury management, which includes digital and mobile banking solutions, ACH, wires, positive pay, remote deposit capture, integrated payments, integrated receivables, lockbox, cash vault, real-time payments, commercial card, and foreign exchange and international banking related products, as well as merchant services. Further, it provides residential real estate loans and consumer loans. It serves its products to corporate, institutional, small business, and individual customers. The company was founded in 1953 and is based in Tacoma, Washington.
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