For the quarter ended June 2025, Columbia Banking (COLB) reported revenue of $510.91 million, up 8.2% over the same period last year. EPS came in at $0.76, compared to $0.67 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $492.4 million, representing a surprise of +3.76%. The company delivered an EPS surprise of +15.15%, with the consensus EPS estimate being $0.66.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Columbia Banking performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net charge-offs to average loans and leases (annualized): 0.3% versus the four-analyst average estimate of 0.3%.
- Average Balance - Total interest-earning assets: $47.87 billion compared to the $48.02 billion average estimate based on four analysts.
- Efficiency Ratio: 54.3% versus the four-analyst average estimate of 54%.
- Net Interest Margin: 3.8% compared to the 3.5% average estimate based on four analysts.
- Total non-performing loans and leases: $177.43 million compared to the $165.74 million average estimate based on three analysts.
- Total non-performing assets: $180.25 million compared to the $168.83 million average estimate based on three analysts.
- Net Interest Income: $446.45 million versus $432.62 million estimated by four analysts on average.
- Total noninterest income: $64.46 million versus $59.33 million estimated by four analysts on average.
- Net interest income (FTE): $447.55 million versus $434.16 million estimated by three analysts on average.
- Service charges on deposits: $19.67 million versus the three-analyst average estimate of $19.34 million.
- Financial services and trust revenue: $5.84 million compared to the $5.17 million average estimate based on three analysts.
- BOLI income: $5.18 million compared to the $4.97 million average estimate based on two analysts.
View all Key Company Metrics for Columbia Banking here>>>
Shares of Columbia Banking have returned +6.4% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Columbia Banking System, Inc. (COLB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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