Columbia Banking System, Inc. cash flow to debt ratio of 18.61% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Columbia Banking System, Inc.'s free cash flow has increased 13.29% from $623.20M last year to $706.00M, signaling increasing performance

Columbia Banking System, Inc.'s debt to equity ratio is 0.65, which means that the company's assets are unhealthy financed, signaling financial risk.

Columbia Banking System, Inc.'s debt has decreased relative to shareholder equity from 0.76 last year to 0.65 today, signaling strengthened financials

Columbia Banking System, Inc. has a net debt to EBITDA ratio of 3.91x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Columbia Banking System, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Columbia Banking System, Inc.'s profit margin has increased (10.94%) in the last year from 17.99% to 19.96%, signaling increasing performance

Columbia Banking System, Inc.'s short-term liabilities of $3.45B exceed its short-term assets of $743.00M, signaling financial risk

Columbia Banking System, Inc.'s return on assets of 1.09% is lower than the 5.00% threshold, indicating inefficient asset utilization

Columbia Banking System, Inc.'s return on equity of 9.22%, is lower than 15.00%, indicating bad performance

Columbia Banking System, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Columbia Banking System, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Columbia Banking System, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Columbia Banking System, Inc. has a free cash flow yield of 7.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Columbia Banking System, Inc.'s yearly earnings has increased 3.06% since last year from $533.67M to $550.03M, signaling increasing performance

Columbia Banking System, Inc.'s yearly revenue has increased 8.35% since last year from $2.97B to $3.21B, signaling increasing performance

ROIC 5.47% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Columbia Banking System, Inc.'s 3-year revenue CAGR of 33.61% is positive, indicating growing revenue over the past 3 years

Columbia Banking System, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Columbia Banking System, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Columbia Banking System, Inc. is undervalued relative to its fair value price of 37.96 based on Discounted Cash Flow model

Columbia Banking System, Inc. has an earnings yield of 7.97%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Columbia Banking System, Inc. is overvalued relative to its fair value price of 11.64 based on EBITDA multiple model

Columbia Banking System, Inc. has an EV/EBITDA ratio of 13.78x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Columbia Banking System, Inc. is undervalued relative to its fair value price of 48.05 based on Earnings Fair Value model

Columbia Banking System, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Columbia Banking System, Inc. has a price-to-book ratio of 1.18x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Columbia Banking System, Inc. has a price-to-sales ratio of 2.51x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue