Columbia Banking System (COLB) Reports Q4 Earnings Beat with $627M Net Interest Income
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: seekingalpha
- Earnings Beat: Columbia Banking System reported Q4 operating EPS of $0.82, surpassing the $0.72 analyst estimate, although it decreased from $0.85 in the prior quarter, reflecting ongoing improvement in profitability compared to $0.71 a year ago.
- Significant Revenue Growth: Q4 operating revenue reached $715 million, exceeding the $693.5 million consensus, and showing substantial increases from $577 million in Q3 and $493 million in Q4 2024, highlighting the positive impact of the Pacific Premier Bancorp acquisition.
- Net Interest Income Increase: Net interest income rose to $627 million from $505 million in Q3, driven by two months of combined operations and favorable funding mix trends, demonstrating the company's adaptability in the current interest rate environment.
- Decline in Credit Loss Provisions: Provisions for credit losses fell to $23 million from $70 million in the previous quarter and $28 million a year ago, indicating improved asset quality and effective risk management practices within the company.
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Analyst Views on COLB
Wall Street analysts forecast COLB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for COLB is 31.28 USD with a low forecast of 28.00 USD and a high forecast of 34.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
3 Buy
6 Hold
0 Sell
Moderate Buy
Current: 28.960
Low
28.00
Averages
31.28
High
34.50
Current: 28.960
Low
28.00
Averages
31.28
High
34.50
About COLB
Columbia Banking System, Inc. is the parent company of Columbia Bank (the Bank), a Western United States regional bank. The Bank supports consumers and businesses through a full suite of services, including retail and commercial banking, Small Business Administration (SBA) lending, institutional and corporate banking, and equipment leasing. The Bank’s customers also have access to comprehensive investment and wealth management expertise as well as healthcare and private banking through Columbia Wealth Management. The Bank offers specialized loans for corporate, middle market, and small business customers, including commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, multifamily loans, equipment loans, commercial equipment leases, SBA program financing, and capital markets. The Bank operates at more than 350 locations across eight Western states: Washington, Oregon, California, Arizona, Colorado, Nevada, Utah and Idaho.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
RBC Capital Raises Columbia Banking (COLB) Price Target to $32 After Q4 Earnings Beat
- Price Target Adjustment: RBC Capital raised Columbia Banking's price target from $30 to $32, reflecting positive signals from the company's Q4 earnings beat, indicating market confidence in its future performance.
- Acquisition Impact: Although the Pacific Premier acquisition, completed on August 31, affected performance comparisons, the analyst noted solid core trends with strong asset mix, margin strength, and tight expense control, indicating robust fundamentals.
- Management Signals: Management is signaling a slightly smaller balance sheet to start the year and a lower margin, but expects growth after Q1, demonstrating optimism about future developments.
- Market Performance: The analyst maintains a Sector Perform rating on Columbia Banking, suggesting that despite challenges, there is still a favorable outlook for its market performance and potential growth.
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Columbia Bank (COLB) Earnings Call Transcript
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