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Columbia Banking Systems COLB Q3 2025 earnings

Reported October 30, 2025 · After market close

Revenue$582.0MBeat by $7.4M
EPS$0.85Beat by $0.15
Revenue estimate$574.6M
EPS estimate$0.70

Next report

Date not yet announced

Financials

Q3 2025

Income statement

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Revenue$582.0M+17.3%
Net income$96.0M-34.2%
EPS (diluted)$0.40-42.9%

Balance sheet

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Cash & equivalents$2.3B+11.0%
Total debt$168.0M+38.5%
Total equity$7.8B+47.7%
Total assets$67.5B+30.0%

Cash flow

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Operating cash flow$236.2M+251%
CapEx$8.0M+4.8%
Free cash flow$228.2M+283%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$7.7B+41.5%
Enterprise value$5.53B+60.0%
P/E16.1×+4.9×
P/S3.7×+0.9×

Profitability

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Net margin23.1%-1.6pp
FCF margin32.6%—

Returns & leverage

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Return on equity7.3%-2.5pp
Debt / equity0×0.0×

Segments

By product

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Service charges on deposits$21.0M+16.7%
Card-based fees$15.0M0.0%
Financial services and trust revenue$9.0M+80.0%

Versus estimates

Revenue

Q2 2026$680.0MMiss by $7.4MQ1 2026$675.0MMiss by $2.2MQ4 2025$715.0MBeat by $19.7M
Q3 2025$582.0MBeat by $7.4M
Q2 2025$510.9MBeat by $17.8MQ1 2025$491.4MBeat by $8.1M

Diluted EPS

Q2 2026$0.76Beat by $0.03Q1 2026$0.72Beat by $0.04Q4 2025$0.82Beat by $0.10
Q3 2025$0.85Beat by $0.15
Q2 2025$0.76Beat by $0.10Q1 2025$0.67Beat by $0.03

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Questions, answered.

When did Columbia Banking Systems report Q3 2025 earnings?
Columbia Banking Systems (COLB) reported Q3 2025 earnings on October 30, 2025 after market close.
What were Columbia Banking Systems's Q3 2025 revenue and EPS?
Columbia Banking Systems reported revenue of $582.0M and eps of $0.85 for Q3 2025.
Did Columbia Banking Systems beat estimates in Q3 2025?
Revenue beat the consensus estimate of $574.6M by $7.4M. EPS beat the consensus estimate of $0.70 by $0.15.
How did Columbia Banking Systems's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.2% from $496.4M a year earlier and eps grew 23.2% from $0.69.
Where can I find Columbia Banking Systems's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000887343-25-000268) directly on SEC EDGAR. The filing index links above go to sec.gov.