The earnings call highlighted Columbia's strong quarterly performance, with growth in operating results, net interest margin, and core fee income. The upcoming acquisition of Pacific Premier is proceeding smoothly and expected to enhance Columbia's capabilities. However, challenges such as declining deposit balances and macroeconomic uncertainty remain. Overall, the positive developments and strategic initiatives outweigh the challenges.

Company Guidance -

Q3 2025

During Columbia Banking Systems' second quarter 2025 earnings call, several key metrics were highlighted. The operating results showed a 14% increase from the previous year, with a net interest margin of 3.75%, up 15 basis points. The company reported an earnings per share (EPS) of $0.73 and an operating EPS of $0.76. Operating return on average tangible equity was 16.85%, and operating pre-provision net revenue (PPNR) rose by 14% to $242 million. The tangible book value per share increased by 3%, with Tier 1 common capital at 10.8% and a total risk-based capital ratio of 13%. Noninterest income was $64.5 million, with operating noninterest income at $65.1 million, reflecting a 14% increase due to strong core fee income growth. The provision for credit losses stood at $29 million, and the overall allowance for credit losses was 1.17% of total loans. The company also noted a decline in deposit balances due to seasonal activities and investments made by customers.

Quarterly Operating Results Increase

Columbia's second quarter operating results were up 14% from the year-ago quarter, attributed to profitability efforts, balance sheet optimization, and operational efficiency initiatives.

Net Interest Margin and Core Fee Income Growth

Net interest margin expanded by 15 basis points, reaching 3.75%. Core fee income also saw a meaningful increase, contributing to overall revenue growth.

Upcoming Acquisition of Pacific Premier

Columbia is on track to acquire Pacific Premier, with integration planning proceeding well. The acquisition is expected to close by September 1, 2025, bringing additional technology and market presence.

Investment in Technology and AI

Columbia is prioritizing investments in technology and AI, with 83 platforms using AI to improve operational effectiveness and employee efficiency.

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

Daily Earnings Calendar >

COLB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.73 / -	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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