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Columbia Banking Systems COLB Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$715.0MBeat by $19.7M
EPS$0.82Beat by $0.10
Revenue estimate$695.3M
EPS estimate$0.72

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$717.0M+47.2%
Net income$215.0M+50.3%
EPS (diluted)$0.77+13.2%

Balance sheet

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Cash & equivalents$2.4B+26.7%
Total debt$166.0M+31.7%
Total equity$7.8B+53.2%
Total assets$66.8B+29.6%

Cash flow

See full
Operating cash flow$281.0M+9.8%
CapEx$10.0M-37.5%
Free cash flow$271.0M+12.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$8.36B+47.7%
Enterprise value$6.15B+57.3%
P/E15.2×+4.6×
P/S3.6×+0.7×

Profitability

See full
Net margin23.9%-3.8pp
FCF margin30.7%-1.6pp

Returns & leverage

See full
Return on equity8.5%-2.1pp
Debt / equity0×0.0×

Segments

By product

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Service charges on deposits$24.0M+26.3%
Card-based fees$16.0M+6.7%
Financial services and trust revenue$15.0M+200%
Account Service Fees$14.3M+23.9%
Transaction-based and overdraft service charges$6.8M+3.8%

Versus estimates

Revenue

Q2 2026$680.0MMiss by $7.4MQ1 2026$675.0MMiss by $2.2M
Q4 2025$715.0MBeat by $19.7M
Q3 2025$582.0MBeat by $7.4MQ2 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 $0.04
Q4 2025$0.82Beat by $0.10
Q3 2025$0.85Beat by $0.15Q2 2025$0.76Beat by $0.10Q1 2025$0.67Beat by $0.03

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Questions, answered.

When did Columbia Banking Systems report Q4 2025 earnings?
Columbia Banking Systems (COLB) reported Q4 2025 earnings on January 22, 2026 after market close.
What were Columbia Banking Systems's Q4 2025 revenue and EPS?
Columbia Banking Systems reported revenue of $715.0M and eps of $0.82 for Q4 2025.
Did Columbia Banking Systems beat estimates in Q4 2025?
Revenue beat the consensus estimate of $695.3M by $19.7M. EPS beat the consensus estimate of $0.72 by $0.10.
How did Columbia Banking Systems's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 46.8% from $487.1M a year earlier and eps grew 15.5% from $0.71.
Where can I find Columbia Banking Systems's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000887343-26-000012) and the 10-K periodic report (0000887343-26-000088) directly on SEC EDGAR. The filing index links above go to sec.gov.