NASDAQ$COLB

Columbia Banking System Inc. · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Columbia Banking System reported Q3 2025 revenue of $332.5M, net income of $96.0M.

For Q3 2025, Columbia Banking System reported Revenue was $332.5M, net income was $96.0M. The filing discusses operating performance, liquidity, and outlook in MD&A.

  • Revenue $332.5M for Q3 2025.
  • Net income $96.0M.
  • MD&A covers liquidity, capital allocation, and sector-specific risks.

Headline financials

Total Revenue

$582M

Previous: $496M+17.2%
EPS (adj)

$0.85

Previous: $0.69+23.2%
Net Interest Margin

3.8%

No prior period
Efficiency Ratio

67.3%

No prior period
Return on Average Assets

0.7%

No prior period
Return on Average Tangible Common Equity

8.6%

No prior period
Dividend Per Share

$0.36

No prior period
Operating Efficiency Ratio (Adjusted)

52.3%

No prior period
Operating Return on Average Assets

1.4%

No prior period
Operating Return on Average Tangible Common Equity

18.2%

No prior period
Total Risk-Based Capital Ratio

13.4%

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

11.6%

No prior period
Non-Performing Assets to Total Assets

0.3%

No prior period
Allowance for Credit Losses to Loans and Leases

1.0%

No prior period
Net Charge-Offs to Average Loans and Leases (Annualized)

0.2%

No prior period
Net Income

$96M

Previous: $146M-34.3%
Operating Income

$119M

Previous: $168M-29.0%

Revenue & EPS history

Columbia Banking System · Revenue · Quarterly

$582M

Q3 2025+17.2%vs Q3 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

The 10-Q discusses operating priorities, liquidity, and risks; formal multi-year guidance varies by issuer.

Tailwinds

  • Management outlines strategic priorities and capital allocation.
  • Segment commentary supports the investment narrative where disclosed.

Headwinds

  • Macro, rates, or input costs may affect margins.
  • One-time items can affect quarter-over-quarter comparability.

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 2025

Historical avgQ3 2025

-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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