COLB (Columbia Banking System) Financial Strength : 3 (As of Mar. 2025)

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What is Columbia Banking System Financial Strength?

Columbia Banking System has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Warning Sign:

Columbia Banking System Inc displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Columbia Banking System's interest coverage with the available data. Columbia Banking System's debt to revenue ratio for the quarter that ended in Mar. 2025 was 1.58. Altman Z-Score does not apply to banks and insurance companies.

Columbia Banking System Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Columbia Banking System's Interest Expense for the months ended in Mar. 2025 was $-222 Mil. Its Operating Income for the months ended in Mar. 2025 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $3,100 Mil.

Columbia Banking System's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Columbia Banking System's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio	=	Total Debt (Q: Mar. 2025 )			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	3099.667)	/	1965.488
	=	1.58

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Columbia Banking System (NAS:COLB) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Columbia Banking System has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Columbia Banking System Financial Strength Related Terms

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Columbia Banking System Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Columbia Banking System Inc (NAS:COLB) » Definitions » Financial Strength

Comparable Companies

Traded in Other Exchanges

N/A

Address

1301 A Street, Tacoma, WA, USA, 98402-2156

Website

https://www.columbiabank.com

Columbia Banking System Inc is a registered bank holding company whose wholly-owned banking subsidiary is Columbia State Bank. The company provides a full range of banking services to small and medium sized businesses, professionals, and individuals throughout Washington, Oregon, Idaho, and California. The company's subsidiary Columbia Trust Company is an Oregon trust company that provides agency, fiduciary, and other related trust services with offices in Washington, Oregon, and Idaho. The firm offers various products and services under Personal Banking, Business Banking, and Wealth Management divisions.

Executives

Torran B Nixon	officer: Senior Executive VP	ONE SW COLUMBIA STREET STE 1200, PORTLAND OR 97258
Elizabeth Whitehead Seaton	director	1301 "A" STREET, SUITE 800, TACOMA WA 98402
Aaron James Deer	officer: EVP Chief Financial Officer	1301 A STREET, TACOMA WA 98402
Randal Lee Lund	director	1301 A STREET, TACOMA WA 98402
Luis Machuca	director	ITXC CORP, 14600 NW GREENBRIER PARKWAY, BEAVERTON OR 97006
Mark A Finkelstein	director	C/O BLUCORA, INC., 10900 NE 8TH ST., STE. 800, BELLEVUE WA 98004
Numata S Mae Fujita	director	C/O COLUMBIA BANKING SYSTEM, INC., 1301 "A" STREET, TACOMA WA 98402
Craig D Eerkes	director	41 W. RIVERSIDE AVE., SUITE 300, SPOKANE WA 99201
Clint Stein	officer: EVP & CFO	1301 A STREET, SUITE 800, TACOMA WA 98402
Ron L Farnsworth	officer: Chief Financial Officer	200 SW MARKET ST STE 1900, PORTLAND OR 97201
Eric Forrest	director	C/O PACIFIC CONTINENTAL BANK, 111 WEST SEVENTH AVENUE, OREGON OR 97440-2727
John F Schultz	director	C/O HEWLETT-PACKARD COMPANY, 3000 HANOVER STREET, PALO ALTO CA 94304
Frank Namdar	officer: Chief Credit Officer	ONE SW COLUMBIA STREET STE 1200, PORTLAND OR 97258
Andrew H Ognall	officer: IMO General Counsel	ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Lisa M White	officer: PAO & Corporate Controller	9285 NE TANASBOURNE DRIVE, HILLSBORO OR 97124