COLB · NASDAQ · STOCK
Columbia Banking System
$31.23
52W $23.83 – $33.68
67/100
$8.84B
12.4
0.66
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is COLB Bullish or Bearish?
Bullish.
Innellis AI committee rates Columbia Banking System (COLB) Buy with a composite score of 67/100
, based on 4 analysts with 75% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.20 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -11.80 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.27 across 11 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 08, 2026
Overall Committee Score
67/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 36%
of 142 Financial Services peers
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 11 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 68.1 to 66.8.
- Committee agreement fell modestly from 83% to 75%.
- Bullish support removed: 6 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: score 68->82 (+15).
- News Analyst: +1 bullish signal(s).
- Risk Analyst abstained (was bullish at 80).
- Value Analyst abstained (was bullish at 77).
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
43.7
Neutral
MACD Histogram
-0.125
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$30.13
Resistance
$31.32
Bollinger %B
0.30
Inside Bands
Price vs Moving Averages
EMA 9
$31.38
Below
EMA 21
$31.57
Below
EMA 50
$31.21
Above
EMA 200
$29.29
Above
Fundamental Analysis
Valuation
100
Growth
80
Profitability
61
Financial Health
46
Cash Flow
70
Valuation
P/E Ratio
12.4×
P/B Ratio
1.18×
PEG Ratio
-31.36
Dividend Yield
4.71%
52W High
$33.68
52W Low
$23.83
Quality & Growth
ROE
701.6%
ROA
81.8%
Gross Margin
7097.1%
Operating Margin
2678.3%
Revenue Growth YoY
—
Debt / Equity
0.65
AI Fundamental Assessment
P/E ratio of 12.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of -31.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.0%; Return on assets of 0.8%; Net margin of 20.0%; Gross margin of 71.0%; Current ratio of 0.01 (tight short-term liquidity); Debt-to-equity of 0.65; Free cash flow per share is positive (6.16); Most recent quarter beat estimates by 2.3%; 5 consecutive earnings beats; EPS growth accelerating (-12.2% -> +5.6% QoQ); Average YoY EPS growth of 0.0%; Analyst estimates flat over recent quarters
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