What is Columbia Bank's earnings per share (EPS)?

Columbia Bank (COLB) reported diluted earnings per share of $2.30 for fiscal year 2025. This represents a -9.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Columbia Bank Financials

COLB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Columbia Bank (COLB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI COLB FY2025 2026-05-05

Balance-sheet expansion is increasing scale and capital, but earnings density and returns have not kept pace with the larger asset base.

From FY2023 through FY2025, operating cash flow stayed above net income every year, reaching $746M against $550M in FY2025 and showing earnings are broadly cash-backed. The real drag is asset productivity: growth to $66.8B still produced only 0.8% ROA, so added scale is arriving faster than profitability per dollar of assets.

Leverage eased in relative terms even as obligations grew: debt-to-equity fell from 11.8x in FY2022 to 7.5x in FY2025. With liabilities at $59.0B and equity at $7.84B, the company is carrying a bigger balance sheet with a thicker capital cushion behind it, meaning recent growth was not funded only by piling on more leverage.

Net income rose from $349M in FY2023 to $550M in FY2025. But diluted EPS reached only $2.30 because shares outstanding expanded to 295.6M, so per-share earnings trailed the rebound in total profit and the benefit of recovery was spread across a much larger ownership base.

Financial Health Signals

Financial Profile 15/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Columbia Bank's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Columbia Bank's revenue surged 18.8% year-over-year to $177.0M, reflecting rapid business expansion. This strong growth earns a score of 58/100.

Leverage

Columbia Bank has elevated debt relative to equity (D/E of 7.52), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Columbia Bank generates a 7.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is down from 10.4% the prior year.

Piotroski F-Score Weak

3/9

Columbia Bank passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.36x

For every $1 of reported earnings, Columbia Bank generates $1.36 in operating cash flow ($746.0M OCF vs $550.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$177.0M

YoY+18.8%

5Y CAGR-19.3%

10Y CAGR-6.0%

Columbia Bank generated $177.0M in revenue in fiscal year 2025. This represents an increase of 18.8% from the prior year.

EBITDA

N/A

Net Income

$550.0M

YoY+3.0%

5Y CAGR+29.0%

10Y CAGR+18.7%

Columbia Bank reported $550.0M in net income in fiscal year 2025. This represents an increase of 3.0% from the prior year.

EPS (Diluted)

$2.30

YoY-9.8%

5Y CAGR+1.2%

10Y CAGR+3.0%

Columbia Bank earned $2.30 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 9.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$2.4B

YoY+26.7%

5Y CAGR+29.5%

10Y CAGR+29.8%

Columbia Bank held $2.4B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.45

YoY+0.7%

5Y CAGR+1.6%

10Y CAGR+0.8%

Columbia Bank paid $1.45 per share in dividends in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Shares Outstanding

296M

YoY+41.0%

5Y CAGR+32.8%

10Y CAGR+17.7%

Columbia Bank had 296M shares outstanding in fiscal year 2025. This represents an increase of 41.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

310.7%

YoY-47.7pp

5Y CAGR+280.9pp

10Y CAGR+280.7pp

Columbia Bank's net profit margin was 310.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 47.7 percentage points from the prior year.

Return on Equity

7.0%

YoY-3.4pp

5Y CAGR+0.5pp

10Y CAGR-0.9pp

Columbia Bank's ROE was 7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$109.0M

YoY+1716.7%

5Y CAGR+40.4%

10Y CAGR+61.4%

Columbia Bank spent $109.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1716.7% from the prior year.

Capital Expenditures

N/A

COLB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$177.0M+18.8%	$149.0M+11.2%	$134.0M+56.1%	$85.8M+3.0%	$83.3M-83.9%	$517.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$672.0M+14.1%	$589.0M-4.4%	$616.0M+39.6%	$441.2M-8.2%	$480.8M+129.3%	$209.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$913.0M-12.0%	$1.0B+39.0%	$746.2M+856.6%	$78.0M+84.0%	$42.4M+139.6%	$17.7M
Income Tax	$178.0M-3.8%	$185.0M+51.6%	$122.0M+7.2%	$113.8M-17.4%	$137.9M+261.4%	$38.1M
Net Income	$550.0M+3.0%	$534.0M+53.0%	$349.0M+3.6%	$336.8M-19.9%	$420.3M+172.5%	$154.2M
EPS (Diluted)	$2.30-9.8%	$2.55+43.3%	$1.78-31.5%	$2.60-19.0%	$3.21+47.9%	$2.17

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$816.0M	N/A	$740.0M+10.3%	$670.7M+3.5%	$648.0M	N/A	$699.0M+0.5%	$695.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$196.0M	N/A	$171.0M+10.4%	$154.9M+6.8%	$145.0M	N/A	$147.0M+1.3%	$145.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$222.0M	N/A	$235.0M+4.8%	$224.2M+0.6%	$223.0M	N/A	$268.7M+0.2%	$268.1M
Income Tax	$63.0M	N/A	$23.0M-54.9%	$51.0M+37.9%	$37.0M	N/A	$50.0M+22.1%	$40.9M
Net Income	$192.0M-10.7%	$215.0M+124.0%	$96.0M-36.8%	$152.0M+74.7%	$87.0M-39.2%	$143.0M-2.1%	$146.0M+20.7%	$121.0M
EPS (Diluted)	$0.66	N/A	$0.40-45.2%	$0.73+78.0%	$0.41	N/A	$0.70+22.8%	$0.57

COLB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$66.8B+29.6%	$51.6B-1.1%	$52.2B+63.8%	$31.8B+52.1%	$20.9B+26.3%	$16.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.4B+26.7%	$1.9B-13.2%	$2.2B+67.0%	$1.3B+57.0%	$824.7M+26.1%	$653.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.5B+44.0%	$1.0B0.0%	$1.0B	$0-100.0%	$823.2M+7.5%	$765.8M
Total Liabilities	$59.0B+27.0%	$46.5B-1.5%	$47.2B+60.6%	$29.4B+60.0%	$18.4B+28.9%	$14.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.8B+53.2%	$5.1B+2.5%	$5.0B+101.4%	$2.5B-4.2%	$2.6B+10.3%	$2.3B
Retained Earnings	-$26.0M+89.0%	-$237.0M+49.3%	-$467.6M+14.0%	-$543.8M-178.3%	$694.2M+20.7%	$575.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$66.0B-1.2%	$66.8B-1.0%	$67.5B+30.0%	$51.9B+0.7%	$51.5B-0.1%	$51.6B-0.6%	$51.9B-0.3%	$52.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.1B-11.8%	$2.4B+1.6%	$2.3B+20.6%	$1.9B-6.3%	$2.1B+10.4%	$1.9B-11.0%	$2.1B+2.0%	$2.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.5B0.0%	$1.5B+0.1%	$1.5B+43.9%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$58.4B-1.1%	$59.0B-1.2%	$59.7B+28.2%	$46.6B+0.6%	$46.3B-0.4%	$46.5B-0.4%	$46.6B-0.9%	$47.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.7B-2.2%	$7.8B+0.6%	$7.8B+45.8%	$5.3B+2.0%	$5.2B+2.3%	$5.1B-3.0%	$5.3B+6.0%	$5.0B
Retained Earnings	$59.0M+326.9%	-$26.0M+80.2%	-$131.0M+13.1%	-$150.8M+33.6%	-$227.0M+4.2%	-$237.0M+22.2%	-$304.5M+18.7%	-$374.7M

COLB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$746.0M+13.2%	$659.0M-1.6%	$670.0M-37.1%	$1.1B+60.7%	$662.7M+244.6%	$192.3M
Capital Expenditures	N/A	N/A	N/A	$27.1M+75.0%	$15.5M+77.5%	$8.7M
Free Cash Flow	N/A	N/A	N/A	$1.0B+60.4%	$647.2M+252.6%	$183.6M
Investing Cash Flow	$2.2B+1805.3%	$114.0M-77.3%	$502.0M+114.2%	-$3.5B-130.3%	-$1.5B+20.0%	-$1.9B
Financing Cash Flow	-$2.4B-128.4%	-$1.1B-248.0%	-$304.0M-130.4%	$1.0B-5.6%	$1.1B-50.3%	$2.1B
Dividends Paid	$335.0M+11.7%	$300.0M+11.1%	$270.0M+48.1%	$182.3M-0.8%	$183.7M+92.4%	$95.5M
Share Buybacks	$109.0M+1716.7%	$6.0M0.0%	$6.0M+44.1%	$4.2M-94.8%	$80.7M+303.4%	$20.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$494.0M+75.8%	$281.0M+19.0%	$236.2M+121.1%	$106.8M-12.5%	$122.0M-52.3%	$256.0M+280.9%	$67.2M-55.3%	$150.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$112.0M-80.8%	$583.0M-68.0%	$1.8B+476.7%	-$483.9M-293.6%	$250.0M+304.9%	-$122.0M-137.9%	$321.8M+4054.9%	-$8.1M
Financing Cash Flow	-$887.0M-7.4%	-$826.0M+50.2%	-$1.7B-771.5%	$247.0M+238.8%	-$178.0M+51.5%	-$367.0M-5.7%	-$347.3M-26.6%	-$274.4M
Dividends Paid	$107.0M-1.8%	$109.0M+44.3%	$75.5M+0.1%	$75.5M+0.6%	$75.0M0.0%	$75.0M+0.1%	$74.9M-0.2%	$75.1M
Share Buybacks	$215.0M+115.0%	$100.0M+24962.7%	$399K-75.1%	$1.6M-77.1%	$7.0M	$0-100.0%	$386K-49.7%	$767K

COLB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	310.7%-47.7pp	358.4%+97.9pp	260.4%-131.9pp	392.4%-112.1pp	504.5%+474.7pp	29.8%
Return on Equity	7.0%-3.4pp	10.4%+3.4pp	7.0%-6.6pp	13.6%-2.7pp	16.2%+9.7pp	6.6%
Return on Assets	0.8%-0.2pp	1.0%+0.4pp	0.7%-0.4pp	1.1%-0.9pp	2.0%+1.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.52-1.6	9.08-0.4	9.45-2.4	11.84+4.8	7.09+1.0	6.06
FCF Margin	N/A	N/A	N/A	1209.4%+432.5pp	776.9%+741.4pp	35.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%	N/A	13.0%-9.7pp	22.7%+9.2pp	13.4%	N/A	20.9%+3.5pp	17.4%
Return on Equity	2.5%-0.2pp	2.7%+1.5pp	1.2%-1.6pp	2.9%+1.2pp	1.7%-1.1pp	2.8%+0.0pp	2.8%+0.3pp	2.4%
Return on Assets	0.3%-0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.3%+0.1pp	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.62+0.1	7.52-0.1	7.66-1.1	8.72-0.1	8.84-0.2	9.08+0.2	8.84-0.6	9.46
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Columbia Bank's annual revenue?

Columbia Bank (COLB) reported $177.0M in total revenue for fiscal year 2025. This represents a 18.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Columbia Bank's revenue growing?

Columbia Bank (COLB) revenue grew by 18.8% year-over-year, from $149.0M to $177.0M in fiscal year 2025.

Is Columbia Bank profitable?

Yes, Columbia Bank (COLB) reported a net income of $550.0M in fiscal year 2025, with a net profit margin of 310.7%.

What is Columbia Bank's net profit margin?

Columbia Bank (COLB) had a net profit margin of 310.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Columbia Bank pay dividends?

Yes, Columbia Bank (COLB) paid $1.45 per share in dividends during fiscal year 2025.

What is Columbia Bank's return on equity (ROE)?

Columbia Bank (COLB) has a return on equity of 7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Columbia Bank's operating cash flow?

Columbia Bank (COLB) generated $746.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Columbia Bank's total assets?

Columbia Bank (COLB) had $66.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Columbia Bank buy back shares?

Yes, Columbia Bank (COLB) spent $109.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Columbia Bank have outstanding?

Columbia Bank (COLB) had 296M shares outstanding as of fiscal year 2025.

What is Columbia Bank's debt-to-equity ratio?

Columbia Bank (COLB) had a debt-to-equity ratio of 7.52 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Columbia Bank's return on assets (ROA)?

Columbia Bank (COLB) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Columbia Bank's Piotroski F-Score?

Columbia Bank (COLB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Columbia Bank's earnings high quality?

Columbia Bank (COLB) has an earnings quality ratio of 1.36x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Columbia Bank?

Columbia Bank (COLB) scores 15 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.