Columbia Banking Systems demonstrated strong financial performance with significant growth in operating results, net interest margin expansion, and successful integration planning with Pacific Premier. However, challenges such as declining deposit balances and macroeconomic uncertainties pose risks. The focus remains on profitability and strategic growth.

Company Guidance -

Q3 2025

During Columbia Banking Systems' second quarter 2025 earnings call, various performance metrics and strategic guidance were highlighted. The company reported a 14% increase in operating results compared to the previous year, driven by enhanced profitability and balance sheet optimization. The net interest margin improved by 15 basis points to 3.75%, supported by higher loan yields and lower costs of interest-bearing liabilities. Core fee income rose significantly, contributing to the overall operating leverage. The loan portfolio saw a slight increase, with commercial loan growth offsetting deliberate reductions in transactional real estate loans. Deposit balances declined due to seasonal activities and customer investments, yet a recent campaign added over $450 million in new core deposits. The company is also preparing for the upcoming acquisition of Pacific Premier, which is expected to close by September 1, 2025, potentially enhancing Columbia's capital generation capabilities. Operating EPS was reported at $0.76, with a return on average tangible equity of 16.85%. Columbia remains focused on optimizing financial performance, strategically expanding its footprint, and investing in technology and human capital to sustain long-term shareholder value.

Operating Results Up 14% Year-Over-Year

Columbia Banking Systems reported a 14% increase in operating results compared to the same quarter last year, demonstrating strong focus on profitability and efficiency.

Net Interest Margin Expansion

The company achieved a 15 basis point improvement in net interest margin, reaching 3.75% this quarter, supported by higher loan yields and lower funding costs.

Successful Integration Planning with Pacific Premier

The acquisition of Pacific Premier is on track with significant shareholder approval, and integration is expected to enhance Columbia's technological capabilities and market presence.

Strong Fee Income Growth

Operating noninterest income increased by $8 million or 14%, driven by higher card-based fee income, swap-related income, and trust revenue.

Capital Ratios Remain Strong

Columbia's Tier 1 common ratio is at 10.8% and the total risk-based capital ratio is at 13%, indicating strong capital positions to support growth.

Columbia Banking System (COLB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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COLB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.74 / -	0.69	―	―	―
Jul 24, 2025	2025 (Q2)	0.66 / 0.76	0.67	13.43% (+0.09)
Apr 23, 2025	2025 (Q1)	0.64 / 0.67	0.65	3.08% (+0.02)
Jan 23, 2025	2024 (Q4)	0.65 / 0.71	0.44	61.36% (+0.27)
Oct 24, 2024	2024 (Q3)	0.62 / 0.69	0.79	-12.66% (-0.10)
Jul 25, 2024	2024 (Q2)	0.57 / 0.67	0.81	-17.28% (-0.14)
Apr 25, 2024	2024 (Q1)	0.53 / 0.65	0.46	41.30% (+0.19)	―	―
Jan 24, 2024	2023 (Q4)	0.79 / 0.44	0.88	-50.00% (-0.44)	―	―
Oct 18, 2023	2023 (Q3)	0.73 / 0.79	0.83	-4.82% (-0.04)	―	―
Jul 19, 2023	2023 (Q2)	0.93 / 0.81	0.75	8.00% (+0.06)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

COLB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$23.35	$24.82	+6.30%
Apr 23, 2025	$23.16	$22.97	-0.82%
Jan 23, 2025	$27.35	$27.17	-0.66%
Oct 24, 2024	$26.01	$27.15	+4.38%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Columbia Banking System (COLB) report earnings?

Columbia Banking System (COLB) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Columbia Banking System (COLB) earnings time?

Columbia Banking System (COLB) earnings time is at Oct 23, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is COLB EPS forecast?

COLB EPS forecast for the fiscal quarter 2025 (Q3) is 0.74.

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