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CBC (65) PB (69) WAL (38) ZION (64) ⌘ Pro Terminal β†’

Columbia Banking System Inc. (COLB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$31.24 +1.76% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.28

Columbia Banking System Inc. (COLB) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $8.84B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on COLB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is COLB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Columbia Banking System Inc. (NASDAQ: COLB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $31.24 (+1.76% 1D, market cap $8.84B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, COLB ranks #166 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does COLB compare to CBC and PB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), COLB carries a Roarable C+ (67/100 RQD), trailing P/E of 16.0x, gross margin of β€”, and ROIC of 1.8%. By comparison, CBC (Central Bancompany Inc.) holds a C grade (65/100 RQD, P/E 22.0x, ROIC 4.5%, cap $8.83B) and PB (Prosperity Bancshares Inc.) posts a C+ grade (69/100 RQD, P/E 16.1x, ROIC 3.3%, cap $8.88B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBC leads on capital efficiency (4.5% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for COLB?
β–Ό

Per COLB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000887343), Columbia Banking System Inc. generated $177.0M in revenue (+18.8% YoY), $550.0M in net income, and $738.0M in free cash flow against $66.83B in total assets and $26.55B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.28 (+0.13%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 13/20 (C) β€’ 417% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY β€’ 56.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ Β· Rk C
Cash (13)Whales (13)SEC (15)Macro (11)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$38 Bull$33 Base$25 Bear
πŸ“¬ FREE COLB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for COLB)Realized 20D OHLCV Swing Band: Β±4%
Deterministic 5-Pillar Attribution (67/100 Composite)
πŸ” WHY COLB SCORES 67/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 8/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (64.3) create a -9 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$28.63+4.4% Next Q
Q2 (-2Q)
62
Grade C+$29.89+3.7% Next Q
Q3 (-1Q)
64
Grade C+$31.01+0.7% Next Q
Current
67
Grade C+$31.24+1.6% Hist 90D Ξ±
Trajectory: C (59) β†’ C+ (67)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the COLB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 67/100 (C+) score, COLB faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.65) or 200D SMA ($29.92) invalidates the momentum regime and cuts Target Base ($32.51) toward Bear Floor ($25.36).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $COLBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCOLB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

COLB Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (COLB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on COLB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (COLB Tape Review)

  • βœ“Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • βœ“Forensic Red-Light accounting & dilution traps to review on your watchlist
  • βœ“Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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COLB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.15%⚑ TESTING RESISTANCE
2026-11-04O $30.70H $31.24L $30.70C $31.24VOL 3.47M
RES: $31.48SUP: $27.52SMA50: $29.65SMA200: $29.92
$34.11$32.32$30.52$28.73$26.93RES $31.48SUP $27.52$31.242026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

COLB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ COLB Butterfly Map β†’ + Track COLB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.6%/yr Implied 5Y Growth

vs. +18.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on COLB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for COLB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for COLB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (COLB)

Financials Rank #166 of 1097 βš”οΈ CBC vs COLB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (COLB vs. CBC, PB, WAL, ZION)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Columbia Banking System Inc. (COLB) ranks #166 by composite RQD confidence (67/100, grade C+) and #205 by equity capitalization ($8.84B). Within this direct 5-issuer industry benchmark cohort, WAL leads on earnings valuation at 8.8x trailing P/E, while CBC leads on capital efficiency and profitability with 4.5% ROIC and β€” gross margin. PB currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with COLB at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
COLB ACTIVE
Columbia Banking System Inc.
C+ 67/100 16.0x β€” 1.8% +1.76% $8.84B Benchmark Subject
CBC
Central Bancompany Inc.
C 65/100 22.0x β€” 4.5% +2.59% $8.83B /cbc-vs-colb β†’
PB
Prosperity Bancshares Inc.
C+ 69/100 16.1x β€” 3.3% +2.68% $8.88B /pb-vs-colb β†’
WAL
Western Alliance Bancorporation
D- 38/100 8.8x β€” 2.9% +3.12% $8.46B /wal-vs-colb β†’
ZION
Zions Bancorporation N.A.
C 64/100 10.8x β€” 2.8% +1.55% $9.69B /zion-vs-colb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000887343 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Columbia Banking System Inc. (COLB) reported GAAP revenue of $177.0M (+18.8% vs. FY2024 revenue of $149.0M , and +32.1% cumulative change since FY2023) , GAAP net income of $550.0M, operating cash flow of $746.0M, and free cash flow of $738.0M (+13.1% YoY). On the balance sheet, COLB closed FY2025 with $66.83B in total assets against $26.55B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $177.0M $550.0M $746.0M $738.0M $66.83B $26.55B
FY2024 (FY) 2024-12-31 $149.0M $534.0M $659.0M $652.3M $51.58B $20.91B
FY2023 (FY) 2023-12-31 $134.0M $349.0M $670.0M $664.0M $4.83B $1.13B

3. COLB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is COLB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Columbia Banking System Inc. (NASDAQ: COLB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $31.24 (+1.76% 1D, market cap $8.84B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, COLB ranks #166 in composite RQD confidence.

How does COLB compare to CBC and PB in the Financials sector?

Within the Financials sector (Major Banks), COLB carries a Roarable C+ (67/100 RQD), trailing P/E of 16.0x, gross margin of β€”, and ROIC of 1.8%. By comparison, CBC (Central Bancompany Inc.) holds a C grade (65/100 RQD, P/E 22.0x, ROIC 4.5%, cap $8.83B) and PB (Prosperity Bancshares Inc.) posts a C+ grade (69/100 RQD, P/E 16.1x, ROIC 3.3%, cap $8.88B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBC leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for COLB?

Per COLB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000887343), Columbia Banking System Inc. generated $177.0M in revenue (+18.8% YoY), $550.0M in net income, and $738.0M in free cash flow against $66.83B in total assets and $26.55B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is COLB trading relative to its 50-day, 200-day, and 52-week technical levels?

COLB last traded at $31.24 (+1.76% on volume of 3,473,155 shares), positioning the stock +5.36% above its 50-day simple moving average ($29.65) and +4.41% above its 200-day simple moving average ($29.92). Across its 52-week range of $25.51 to $33.68, COLB sits at the 70.1% percentile with a 14-day RSI of 64.3 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.0% ($29.99 to $32.49).

Direct Sub-Reports: COLB RQD Cockpit COLB 12M Forecast COLB Earnings & Move COLB Dividends & DRIP COLB Insiders & 13F COLB Whale Options COLB Profit Sankey COLB News & Why
ROARABLE RATING BRIEF β€’ RQD 67/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

COLB β€” Columbia Banking System Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Columbia Banking System Inc. (COLB) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $31.24 (+1.76% 1D, market capitalization $8.84B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 1.8%, gross margin of β€”, operating margin of 75.0%, and free cash flow yield of 8.41%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Columbia Banking System Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. β€” for specific product lines, customer segments, or revenue model detail. The profile identifies the market capitalization as $8.8B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Columbia Banking System Inc. (COLB) reported $177.0M in annual revenue (up from $149.0M in FY2024, +18.8% YoY) and $550.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($134.0M revenue, $349.0M net income) through FY2025, COLB scaled operating cash flow to $746.0M and free cash flow to $738.0M, backed by $66.83B in total assets against $26.55B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $25.51 – $33.68 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.0x trailing P/E and 46.0x EV/EBITDA against 75.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

β€” for upstream or downstream dependencies, sector correlations, or second-order bottlenecks.

  • Key Question #1: Can COLB sustain or expand its 75.0% operating margin and 1.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $177.0M and free cash flow of $738.0M, how will capital allocation balance growth reinvestment against $26.55B in total debt?
  • Key Question #3: How sensitive is COLB's 13.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

COLB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Columbia Banking System Inc. (COLB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to COLB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

COLB Bull vs. Bear Conversation Board β€” What's Your Call at $31.24?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON COLB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on COLB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $39.91 (+30.0%)
πŸ“Œ Pinned Debate

An 8.41% FCF yield paired with a Piotroski F-Score of 8/9 and a 3.82% dividend yield points to strong cash generation and balance-sheet

Here is why I am bullish on COLB here at $30.70: An 8.41% FCF yield paired with a Piotroski F-Score of 8/9 and a 3.82% dividend yield points to strong cash generation and balance-sheet health.. Compare COLB's 75.0% operating margin and 1.8% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $29.16 are getting bought.

ArenaChamp_24 πŸ‚ BULL

@DeltaGamma_99 Agree on the RQD 67/100 quality, though with 1.0 beta I'm scaling in with half-size at $30.70 and keeping dry powder in case we test $28.55.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $25.48 (-17.0%)
Spot @ $30.70

A 1.8% ROIC and a debt jump from $1.13B to $26.55B raise questions about capital efficiency and leverage quality.

A 1.8% ROIC and a debt jump from $1.13B to $26.55B raise questions about capital efficiency and leverage quality.. Look at the math on COLB: paying 16.0x trailing P/E for 1.8% ROIC and 75.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $27.02 before getting long.

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