NASDAQ$COLB

Columbia Banking System Inc. · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Net income of $120 million and operating net income of $140 million were reported.

Columbia Banking System reported second quarter results reflecting progress on targeted actions to improve financial performance and drive shareholder value. The successful execution of identified changes following enterprise-wide evaluations resulted in a lower recurring expense run rate and increased stabilization in the cost of customer deposits.

  • Net interest income expanded by $4 million on a linked-quarter basis due to higher income earned on loans and investment securities, including increased accretion income, partially offset by higher deposit costs.
  • Non-interest expense decreased by $8 million due to lower compensation and CDI amortization, modest decreases in other categories, and the first quarter's larger FDIC special assessment.
  • Net charge-offs were 0.32% of average loans and leases (annualized), compared to 0.47% in the prior quarter.
  • Opened first retail location in Phoenix, Arizona and first Financial Hub in Southern California, replacing an existing branch.

Headline financials

Total Revenue

$472M

Previous: $524M-9.8%
EPS

$0.57

Previous: $0.81-29.6%
Net Interest Margin

3.6%

Previous: 3.9%-9.4%
Efficiency Ratio

59.0%

No prior period
Return on Average Assets

0.9%

No prior period
Return on Average Tangible Common Equity

14.6%

No prior period
Free Cash Flow

$120M

Previous: $130M-7.5%
Net Income

$120M

Previous: $133M-9.9%
Operating Income

$112M

Previous: $265M-57.9%
Gross Profit

$440M

Previous: $508M-13.3%
Cash & Equivalents

$2.07B

Previous: $3.41B-39.3%
Total Assets

$52B

Previous: $53.6B-2.9%
Stock-Based Comp

$5.49M

Previous: $3.34M+64.5%

Revenue & EPS history

Columbia Banking System · Revenue · Quarterly

$472M

Q2 2024-9.8%vs Q2 2023
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

Columbia Banking System does not provide specific forward guidance in this earnings report.

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 Q2 2024

Historical avgQ2 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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