NASDAQ$COLB

Columbia Banking System Inc. · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Columbia's first quarter results reflected progress on targeted actions to improve financial performance and drive shareholder value.

Columbia Banking System reported first quarter 2024 results with earnings per diluted common share of $0.59 and operating earnings per diluted common share of $0.65. The company's net interest income was $423.362 million and non-interest income was $50.357 million. The company focused on expense management and stabilizing deposit costs.

  • Net interest income decreased by $30 million on a linked-quarter basis due to higher deposit costs and lower income earned on investment securities.
  • Non-interest income decreased by $15 million due to the quarterly fluctuation in cumulative non-merger fair value accounting and hedges.
  • Non-interest expense decreased by $50 million due to lower discretionary spend and the fourth quarter's larger FDIC special assessment.
  • Net charge-offs were 0.47% of average loans and leases (annualized), compared to 0.31% in the prior quarter.

Headline financials

Total Revenue

$474M

Previous: $429M+10.3%
EPS

$0.59

Previous: $0.46+28.3%
Net Interest Margin

3.5%

Previous: 4.1%-13.7%
Return on Average Assets

1.0%

Previous: -0.1%+785.7%
Total Risk-Based Capital Ratio

12.0%

No prior period
Common Equity Tier 1 Risk-Based Capital Ratio

9.8%

No prior period
Free Cash Flow

$124M

Previous: -$17.5M+808.1%
Net Income

$124M

Previous: -$14M+983.9%
Operating Income

$155M

Previous: $78.1M+98.2%
Gross Profit

$457M

Previous: $324M+41.0%
Cash & Equivalents

$2.2B

Previous: $3.64B-39.4%
Total Assets

$52.2B

Previous: $54B-3.3%
Stock-Based Comp

$4.42M

Previous: $5.64M-21.7%

Revenue & EPS history

Columbia Banking System · Revenue · Quarterly

$474M

Q1 2024+10.3%vs Q1 2023
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

Columbia Banking System's organizational update is expected to result in consolidated positions, simplified reporting and organizational structures, and an improved profitability outlook. These changes are expected to be carried out during the second and third quarters of 2024.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

-0.3%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+1.8%

Avg return

30 days after

43%

28 / 65 earnings

Positive

+15.4%

Q2 2024

Best reaction

-19.6%

Q4 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.2%-1.8%+0.3%
Q4 2025-2.6%-2.4%+7.0%
Q3 2025+3.5%+1.9%+6.5%
Q1 2025-0.9%-3.4%+0.3%
Q4 2024-0.7%-1.8%-5.8%
Q3 2024+3.0%+5.8%+16.8%
Q2 2024+15.4%+12.3%+6.8%
Q1 2024-0.5%-2.1%-2.0%
Q4 2023-19.6%-16.8%-27.7%
Q3 2023-3.7%-9.4%+10.4%
Q2 2023-4.7%-3.7%-14.7%
Q1 2023+7.3%+4.4%+4.9%
Q4 2022+4.6%+5.0%+6.6%
Q3 2022+4.3%+5.2%+13.6%
Q2 2022-3.2%-3.7%+5.9%
Q1 2022+0.3%-4.2%-8.0%
Q4 2021-3.8%-2.3%+0.0%
Q3 2021+0.6%+2.1%-3.6%
Q2 2021+0.3%+1.8%+6.0%
Q1 2021-1.0%+0.3%-1.9%
Q4 2020-4.6%-0.1%+9.7%
Q3 2020+10.2%+19.0%+30.3%
Q2 2020+0.4%-4.4%-6.8%
Q1 2020-14.5%-19.0%-14.3%
Q4 2019+3.0%+2.1%-0.6%
Q3 2019+1.8%+5.3%+3.3%
Q2 2019+1.5%+2.2%-8.0%
Q1 2019+5.2%+7.6%+1.1%
Q4 2018-5.7%-4.4%-0.5%
Q3 2018+9.3%+13.1%+17.4%
Q2 2018-0.6%-1.5%+1.9%
Q1 2018-7.6%-8.1%-3.8%
Q4 2017-3.5%-5.8%-5.7%
Q3 2017+4.7%+3.3%+3.7%
Q2 2017-3.0%+0.6%-6.2%
Q1 2017-2.9%-2.6%-6.3%
Q4 2016-1.8%-4.5%-2.0%
Q3 2016+2.5%+2.0%+25.0%
Q2 2016+1.8%+1.1%+9.8%
Q1 2016-6.9%
Q4 2015+2.7%
Q3 2015-2.6%
Q2 2015-1.0%
Q1 2015+3.3%
Q4 2014+1.0%
Q3 2014-3.2%
Q2 2014+4.8%
Q1 2014-4.9%
Q4 2013-1.2%
Q3 2013+2.5%
Q2 2013-1.6%
Q1 2013+2.6%
Q4 2012+2.1%
Q3 2012-1.8%
Q2 2012-1.3%
Q1 2012+2.8%
Q4 2011-0.7%
Q4 2010-0.7%
Q4 2009-0.7%
Q3 2011-1.0%
Q3 2010-1.7%
Q2 2010-4.6%
Q2 2011-4.6%
Q1 2010-1.6%
Q1 2011-1.6%

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