Columbia Banking System, Inc. operates as the 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, money market, and certificate of deposit accounts; 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, 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; 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; and brokerage services, 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 headquartered in Tacoma, Washington.
Financial Resilience | Columbia Banking System demonstrates solid expense control and stabilizing margin trends, despite challenges in balance sheet growth and near-term earnings pressure |
Credit Risk Exposure | Delve into the potential vulnerabilities associated with FinPac and Pacific Northwest commercial real estate, and their impact on COLB's credit quality |
Deposit Strategy Edge | Explore how reduced deposit pricing pressure could benefit COLB, potentially improving profitability and providing flexibility in asset-liability management |
Growth Prospects | Analysts maintain cautious outlook with price targets ranging from $24 to $26, citing elusive balance sheet growth as a key concern for future performance |
Metrics to compare | COLB | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipCOLBPeersSector | |
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P/E Ratio | 12.8x | 12.8x | 8.8x | |
PEG Ratio | 0.62 | −0.40 | 0.03 | |
Price/Book | 1.2x | 1.2x | 1.0x | |
Price / LTM Sales | 3.4x | 3.6x | 2.8x | |
Upside (Analyst Target) | - | 10.8% | 11.4% | |
Fair Value Upside | Unlock | 18.3% | 3.0% | Unlock |