ALL vs COLB
Allstate vs Columbia Banking System — AI-powered side-by-side comparison
VS
COLB
Columbia Banking System
69
Buy
| Metric | ALL | COLB |
|---|
| AI Score |
69
|
69
|
| Price |
$260.67
|
$32.45
|
| P/E Ratio |
5.05×
|
12.80×
|
| ROE |
33.6%
|
7.0%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
42.2%
|
71.0%
|
| Debt / Equity |
0.22×
|
0.65×
|
| Dividend Yield |
1.6%
|
4.6%
|
| RSI (14) |
39.8
|
64.4
|
| Beta |
0.156
|
0.659
|
| Expected Upside |
—
|
+1.4%
|
AI Committee View
Current Innellis committee reasoning for ALL versus COLB.
The committee scores are tied.
ALL and COLB both score 69/100.
ALL Committee View
100% agreement
6 analysts
The primary driver is low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock. The main limiting factor is sector concentration is already high (hhi 2504.4). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 4.9 is inexpensive for the broad market — Value
- ROE of 43.1% shows genuine earnings power backing the valuation — Value
- EPS growing 132.8% YoY — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
COLB Committee View
83% agreement
6 analysts
The primary driver is low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Dividend yield of 4.6% pays you to wait — Value
Bear Case
- EPS declining -11.5% YoY despite any revenue growth — Growth