COLB · Columbia Banking System, Inc.
$31.07
-1.07 (-3.33%)
At close · Aug 19
Market Cap
$8.94B
Shares
282.90M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$31.07
Open$32.19
Day$30.91–32.35
52W close$24.07–33.61
Avg vol 30d3.0M
Short int8.6M · 3.1% float · 2.6d
Short vol63%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Weak
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
−2%
below
RSI (14)
43
neutral
MACD trend
Positive
52-week position
73%
mid-range
Momentum
relative strength
1-month return
−5%
trailing
6-month return
+2%
trailing
YTD return
+11%
this year
Relative strength
−10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $32 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +84 funds added
Insider flow
Distributing
Net -$92.8K over 90 days · 50% sells
Short interest
Falling
3.05% of float · ▼ -10.4% MoM · 2.6 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
553 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
Revenue growth
+19%
Y/Y
EPS growth
−10%
Y/Y
Free cash flow
$718.9M
Valuation
P/E 12.4
below peers
Buyback
$400.0M
remaining
Balance sheet
$2.4B
net cash
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
this year
Net interest margin
at least 4%
the third quarter
Share repurchases
$150M – $200M
Non-interest expense
$330M – $335M
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2026
Net interest margin
· Q2
at least 4%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
43
Neutral
MACD trend
Positive
Bullish
52-week position
73%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $32 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +84 funds added
Insider flow
Distributing
Net -$92.8K over 90 days · 50% sells
Short interest
Falling
3.05% of float · ▼ -10.4% MoM · 2.6 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
553 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $31 · 73%
Range high $34
vs 200-day avg +6%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL + Credit Discount / Total Loans and Leases | 1.26% | As of June 30, 2026 | — |
| ACL / Total Loans and Leases | 1.01% | As of June 30, 2026 | — |
| Allowance for Credit Losses | $475M | As of June 30, 2026 | — |
| Allowance for credit losses as a percent of loans and leases | 1.01% | Jun 30, 2026 | — |
| Average customer account balance | $43K | As of June 30, 2026 | — |
| Average repurchase price per common share | $29.93 | the second quarter | — |
| Book value per common share | $26.7 | Jun 30, 2026 | — |
| Brokered deposits | 978M | Jun 30, 2026 | — |
| CET1 Ratio (Columbia Bank) | 11.6% | As of June 30, 2026 | — |
| Closed loan volume for sale | $195M | Q2 FY2026 | — |
| Common equity to assets ratio | 11.6% | Q2 2026 | — |
| Common shares repurchased | 6.6M | 2Q26 | — |
| Common stock repurchases | $199M | 2Q26 | — |
| Cost of interest-bearing deposits | 1.96% | 2Q26 | — |
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| Cost of interest-bearing liabilities | 2.21% | 2Q26 | — |
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| Credit Discount | $120M | As of June 30, 2026 | — |
| Estimated total risk-based capital ratio | 13.4% | 2Q26 | — |
| Gain on sale margin | 3.08% | Q2 FY2026 | — |
| Loan to deposit ratio | 90.6% | Q2 2026 | — |
| MSR as % of serviced portfolio | 1.36% | Q2 FY2026 | — |
| Net charge-offs (annualized) | 0.25% | 2Q26 | — |
| Net Charge-Offs / Average Loans (annualized) | 0.4% | Q2 2026 | — |
| Net charge-offs excluding the FinPac portfolio | 15M | the second quarter | — |
| Net charge-offs in the FinPac portfolio | 15M | the second quarter | — |
| Net interest margin | 3.93% | 2Q26 | — |
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| Net interest spread | 3.19% | FY2026 Year-to-Date | — |
| New loan origination volume | $1.3B | Q2 2026 | — |
| Non-performing assets to total assets ratio | 0.42% | 2Q26 | — |
| Operating Earnings-per-Share - Diluted non-GAAP | $0.76 | Q2 2026 | — |
| Operating efficiency ratio, as adjusted non-GAAP | 53.29% | Six Months Ended Jun 30, 2026 | — |
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| Operating Net Income non-GAAP | $217M | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income (GAAP) $208M
+$3M Non-interest income adjustments
+$9M Non-interest expense adjustments
-$3M Tax effect of adjustments
= Operating net income $217M
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| Operating Non-Interest Expense non-GAAP | $366M | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Non-interest expense (GAAP) $375M
-$9M Non-interest expense adjustments
= Operating non-interest expense $366M
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| Operating non-interest income (non-GAAP) non-GAAP | $91M | Q2 FY2026 | — |
GAAP → non-GAAP reconciliationGAAP Non-interest income (GAAP) $88M
+$3M Non-interest income adjustments
= Operating non-interest income $91M
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| Operating PPNR return on average assets non-GAAP | 1.9% | Six Months Ended Jun 30, 2026 | — |
| Operating pre-provision net revenue non-GAAP | $314M | 2Q26 | — |
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| Operating return on average assets non-GAAP | 1.3% | Six Months Ended Jun 30, 2026 | — |
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| Operating return on average common equity non-GAAP | 11.17% | Six Months Ended Jun 30, 2026 | — |
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| Operating return on average tangible assets non-GAAP | 1.35% | Six Months Ended Jun 30, 2026 | — |
| Operating return on average tangible common equity non-GAAP | 15.53% | Six Months Ended Jun 30, 2026 | — |
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| Operating revenue (non-GAAP) non-GAAP | $680M | Q2 FY2026 | — |
| Pre-provision net revenue non-GAAP | $302M | 2Q26 | — |
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| Provision expense | $27M | Q2 2026 | — |
| Remaining share repurchase authorization | $202M | As of June 30, 2026 | — |
| Repurchased shares as a percent of outstanding common shares | 2.3% | the second quarter | — |
| Residential mortgage loans serviced for others | $7.73B | Q2 FY2026 | — |
| Residential mortgage servicing rights, Balance, end of period | $105M | Q2 FY2026 | — |
| Return on average assets | 1.27% | Q2 2026 | — |
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| Return on average assets ("ROAA") | 1.27% | Q2 FY2026 | — |
| Return on average common equity | 10.99% | Q2 FY2026 | — |
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| Return on average tangible assets | 1.31% | Q2 2026 | — |
| Return on average tangible common equity non-GAAP | 15.29% | 2Q26 | — |
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| Return on Tangible Common Equity non-GAAP | 15.95% | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $19.22 | 2Q26 | — |
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| Tangible common equity to tangible assets ratio non-GAAP | 8.59% | Q2 FY2026 | — |
| Tier 1 Capital Ratio (Columbia Bank) | 11.6% | As of June 30, 2026 | — |
| Tier 1 Leverage Ratio (Columbia Bank) | 9.3% | As of June 30, 2026 | — |
| Total available liquidity | $25.65B | As of June 30, 2026 | — |
| Total available liquidity as a percentage of deposits | 49% | As of June 30, 2026 | — |
| Total core deposits | $49.49B | Q2 FY2026 | — |
| Total non-performing assets | $273M | Q2 FY2026 | — |
| Total off-balance sheet liquidity | $19.02B | Q2 2026 | — |
| Total Risk-Based Capital Ratio (Columbia Bank) | 13.4% | As of June 30, 2026 | — |
| Wholesale public deposits | 928M | Jun 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
COLB
this stock
Columbia Banking System, Inc.
|
$8.94B | +11.2% | +18.8% | 12.4 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COLB | -3.7% | -4.8% | +1.6% | -0.6% | +11.2% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.2% | -7.7% | -10.0% | -3.6% | -1.6% |
Capital returns
Latest dividend
$0.37
/ share · ex May 29, 2026
Declared · upcoming
$0.37
/ share · ex Aug 28, 2026
Paid (TTM)
$1.47
/ share · 4 payouts
Dividend yield (TTM, derived)
4.73%
Buyback program
· as of Mar 31, 2026
Authorized
$700.00M
Spent (derived)
$300.00M
Remaining
$400.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
887343
CUSIP
197236102
13F (30d)
506 filings
481 filers
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