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Columbia Banking SystemFRA:CM6 -0.69%51 ROA % is 1.16% as of Mar. 2026, which is 16% above its 10-year median of 1.00. GuruFocus rates FRA:CM6 with a GF Score™ of 51/100 and a GF Value™ of €21.45 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, Columbia Banking System ranks better than 57.04% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Columbia Banking System's annualizedNet Income for the quarter that ended in Mar. 2026 was €664 Mil.
Columbia Banking System's average Total Assets over the quarter that ended in Mar. 2026 was €57,094 Mil. Therefore, Columbia Banking System's annualized ROA % for the quarter that ended in Mar. 2026 was 1.16%.
The historical rank and industry rank for Columbia Banking System's ROA % or its related term are showing as below:
FRA:CM6'
s ROA % Range Over the Past 10 Years
Min: -5.25 Med: 1 Max: 1.4
Current: 1.08
During the past 13 years, Columbia Banking System's highest ROA % was 1.40%. The lowest was -5.25%. And the median was 1.00%.
FRA:CM6's ROA % is ranked better than 57.04% of 1527
companies
in the Banks industry
Industry Median: 0.98
vs FRA:CM6: 1.08
Columbia Banking System (FRA:CM6) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, Columbia Banking System's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Columbia Banking System ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Banking System's ROA % distribution charts can be found below:
* The bar in red indicates where Columbia Banking System's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Columbia Banking System (FRA:CM6) has a ROA % of 1.16% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Columbia Banking System and its competitors. This is 16% above median its historical median of 1.00. According to the industry distribution chart, Columbia Banking System ranks #656 out of 1527 companies in the Banks industry, placing it in the top 43%.
Is Columbia Banking System's ROA % too high?
Columbia Banking System's current ROA % of 1.16% is 16% above median its 10-year median of 1.00. The Banks industry median ROA % is 0.98. Columbia Banking System's value of 1.16% is 18.4% above this industry median. Based on the distribution chart, Columbia Banking System ranks #656 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Columbia Banking System has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Banking System's ROA % compare to WAL and CFR?
According to the Banks industry distribution chart, Columbia Banking System ranks #656 out of 1527 companies for ROA %. This puts Columbia Banking System in the upper half of its industry. The industry median ROA % is 0.98. Columbia Banking System's value of 1.16% is 18.4% above this benchmark. While the company's 10-year median is 1.00 vs. the industry median of 0.98, Columbia Banking System has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Banking System's current ROA % of 1.16% is 18.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Columbia Banking System and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Banking System's current ROA % is 1.16%, which is 16% above median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Columbia Banking System stock overvalued right now?
Based on GuruFocus' analysis, Columbia Banking System (FRA:CM6) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.45, compared to a current price of €28.60 — trading 33.3% above its estimated fair value. The current ROA % is 1.16%, which is 16% above median its 10-year median of 1.00 and 18.4% above the Banks industry median of 0.98. Columbia Banking System's overall GF Score™ is 51/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Columbia Banking System (FRA:CM6), the current ROA % is 1.16% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Columbia Banking System (FRA:CM6) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Banking System stock appears to be overvalued.
The current stock price of €28.60 is trading 33.3% above its estimated GF Value™ of €21.45.
GuruFocus considers Columbia Banking System to be Significantly Overvalued.
Key valuation signals for FRA:CM6:
ROA %: 1.16% (16% above median its 10-year median of 1.00)
GF Value™: €21.45 vs. price of €28.60 (33.3% above fair value)
Industry Position: 18.4% above the Banks median (#656 of 1527)
No single metric tells the full story. See the FRA:CM6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
51GF Score
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