COMP <GO>
COLB vs V // ALTMAN Z-SCORE & DEBT/EQUITY
Columbia Banking System Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: COLB 6
— V 6
■ METRIC PARITY
LAST: $30.84 (-1.28%) • MKT CAP: $8.84B
balance-sheet
—
LAST: $420.42 (-1.20%) • MKT CAP: $760.28B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COLB VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | COLB | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.80% | 32.30% | -30.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 46.0x | 28.9x | +17.10 | V | /valuation <GO> |
| Free Cash Flow Yield | 8.41% | 2.90% | +5.51 | COLB | /fcf-yield <GO> |
| Operating Margin | 75.00% | 60.00% | +15.00 | COLB | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | COLB | /net-margins <GO> |
| Revenue Growth (YoY) | 18.80% | 11.30% | +7.50 | COLB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.82% | 0.63% | +3.19 | COLB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.3 | 74.2 | -9.90 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.00 | 1.06 | -0.06 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.4x | 34.0x | -20.60 | COLB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.84B | $760.28B | -$751.44B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | COLB REV | V REV | COLB GROSS % | V GROSS % | COLB FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $177.0M | $40.00B | — | — | $738.0M | $21.26B |
| FY 2024 | $149.0M | $35.93B | — | — | $652.3M | $18.33B |
| FY 2023 | $134.0M | $32.65B | — | — | $664.0M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
COLB // BETA 1.00
V // BETA 1.06