NASDAQ$COLB

Columbia Banking System Inc. · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Columbia Banking System reported strong Q3 2023 results, driven by customer focus and balanced growth.

Columbia Banking System reported a net income of $136 million, or $0.65 per diluted common share, and operating net income of $164 million, or $0.79 per diluted common share. The results highlight stabilizing customer deposit trends, relationship-driven growth in the loan portfolio, and customer-based fee income. The company achieved $140 million in annualized net merger-related cost savings through quarter end.

  • Net income of $136 million, or $0.65 per diluted common share.
  • Operating net income of $164 million, or $0.79 per diluted common share.
  • Consolidated asset balances of $52 billion at quarter end.
  • Achieved $140 million in annualized net merger-related cost savings, surpassing the original target.

Headline financials

Total Revenue

$525M

Previous: $189M+177.5%
EPS (adj)

$0.79

Previous: $0.83-4.8%
Net Interest Margin

3.9%

Previous: 3.9%+0.8%
Total Risk-Based Capital Ratio

11.5%

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

9.4%

No prior period
Free Cash Flow

$136M

Previous: $59.4M+128.8%
Net Income

$136M

Previous: $64.9M+109.2%
Operating Income

$259M

Previous: $161M+60.9%
Gross Profit

$488M

Previous: $189M+158.1%
Cash & Equivalents

$2.4B

Previous: $318M+656.7%
Total Assets

$52B

Previous: $20.4B+154.8%
Stock-Based Comp

$4.34M

Previous: $4.15M+4.6%

Revenue & EPS history

Columbia Banking System · Revenue · Quarterly

$525M

Q3 2023+177.5%vs Q3 2022
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

Columbia expects its capital position to continue to build over time, supporting the growing franchise and increasing flexibility for capital return.

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 Q3 2023

Historical avgQ3 2023

-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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