An updated edition of the June 23, 2025, article.In a market increasingly driven by narratives and speculative growth, many investors overlook a powerful metric, shareholder yield, which quietly compounds wealth over time. Defined as the combination of dividend yield, share buybacks and net debt reduction, shareholder yield reflects how effectively a company returns capital to its shareholders. For long-term investors seeking sustainable returns and downside protection, focusing on high shareholder yielding ...

Columbia Banking (COLB) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving.Analysts' growing optimism on the earnings prospects of this bank holding company is driving estimates higher, which should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended: June 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to . Commission File Number: 000-20288 COLUMBIA BANKING SYSTEM, INC. (State or Other Jurisdiction (I.R.S. Employer Identification Number) of Incorporation or Organizatio ...

Core Viewpoint - Columbia Banking System, Inc. is set to acquire Pacific Premier Bancorp, Inc. in an all-stock transaction, with all necessary regulatory approvals received, and the deal expected to close around August 31, 2025 [1][2][3] Company Overview Columbia Banking System, Inc. - Columbia Banking System, Inc. is headquartered in Tacoma, Washington, and is the parent company of Columbia Bank, which is the largest bank in the Northwest with over $50 billion in assets [4] - Columbia Bank offers a full suite of services including retail and commercial banking, SBA lending, and wealth management [4] Pacific Premier Bancorp, Inc. - Pacific Premier Bancorp, Inc. is based in California and operates Pacific Premier Bank, which has approximately $18 billion in total assets [5] - The bank focuses on serving small to middle-market businesses and offers a variety of banking products and services, including digital banking and treasury management [5]

For the quarter ended June 2025, Columbia Banking (COLB) reported revenue of $510.91 million, up 8.2% over the same period last year. EPS came in at $0.76, compared to $0.67 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $492.4 million, representing a surprise of +3.76%. The company delivered an EPS surprise of +15.15%, with the consensus EPS estimate being $0.66.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall St ...

Columbia Banking (COLB) came out with quarterly earnings of $0.76 per share, beating the Zacks Consensus Estimate of $0.66 per share. This compares to earnings of $0.67 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +15.15%. A quarter ago, it was expected that this bank holding company would post earnings of $0.63 per share when it actually produced earnings of $0.67, delivering a surprise of +6.35%.Over the last four quarter ...

Financial Data and Key Metrics Changes - The company's second quarter operating results increased by 14% compared to the same quarter last year, driven by profitability focus and operational efficiency initiatives [5][6] - Earnings per share (EPS) for the second quarter was reported at $0.73, with operating EPS at $0.76, reflecting a strong performance [16] - The net interest margin (NIM) expanded by 15 basis points to 3.75%, attributed to rising earning asset yields and lower costs of interest-bearing liabilities [17][18] - The tangible book value per share increased by 3%, and regulatory capital ratios improved, with Tier one common at 10.8% and total risk-based capital ratio at 13% [18] Business Line Data and Key Metrics Changes - The loan portfolio saw slight growth, with commercial loan growth offsetting a decline in transactional real estate loans [6] - Core fee income increased significantly, with operating non-interest income up by $8 million or 14% from the previous quarter, driven by strong growth in card-based fees and other banking services [19][22] - Deposit balances declined due to seasonal activities, but a recent campaign generated over $450 million in new core deposits [21] Market Data and Key Metrics Changes - The company noted macroeconomic uncertainties affecting customer borrowing behavior, with some companies opting to use cash for investments or debt repayment [7] - The integration of Pacific Premier is expected to enhance the company's market presence and operational capabilities, particularly in technology and fee income generation [12][23] Company Strategy and Development Direction - The company is focused on profitability and credit quality over mere growth, emphasizing a disciplined approach to business operations [6][8] - The upcoming acquisition of Pacific Premier is a strategic priority, with integration planning on track and expected to close by September 1 [9][26] - Investment in technology and human capital is a key focus, with ongoing enhancements to AI capabilities and leadership development initiatives [10][13] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about navigating the current economic environment and capitalizing on strategic opportunities, including the Pacific Premier acquisition [8][25] - The company is committed to enhancing long-term shareholder value and optimizing financial performance [25][26] Other Important Information - The company unified its brand under the Columbia name, with Umpqua Bank changing its legal name to Columbia Bank effective July 1 [14] - The company is actively expanding its branch network, with new locations opened in Arizona and Eastern Oregon [23][24] Q&A Session Summary Question: What is driving the increase in loan originations? - Management indicated that the increase is due to a combination of client demand and improved productivity among bankers, with strong activity levels noted in commercial lending [31][34] Question: What are the plans for optimizing Pacific Premier's balance sheet? - Management plans to take advantage of day one fair value marks and has already made some pre-purchase adjustments to securities [38] Question: What initiatives are in place to increase fee revenue contributions? - The company has been focusing on full relationship banking and has seen significant year-over-year growth in various fee income lines, including treasury management and merchant services [42][44] Question: What is the outlook for deposit growth and pricing strategy? - Management noted that deposit growth has been seasonal, with a focus on winning new accounts and maintaining competitive pricing [55][58] Question: What is the appetite for cleaning up the capital stack? - Management expressed a strong desire to maintain a clean capital stack and optimize it, especially with the expected excess capital generation from the Pacific Premier acquisition [60]

Columbia Banking System (COLB) Q2 2025 Earnings Call July 24, 2025 05:00 PM ET Speaker0Hello, and welcome to Columbia Banking System Second Quarter twenty twenty five Earnings Conference Call. At this time, all participants are in a listen only mode. After the speakers' presentation, there will be a question and answer session. To ask the question during the session, you will need to press 11 on your telephone. You will then hear an automatic message advising your hand is raised.To withdraw your question, p ...

2nd Quarter 2025 Earnings Presentation July 24, 2025 Disclaimer FORWARD-LOOKING STATEMENTS This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed business combination transaction between Columbia Banking System, Inc. ("Columbia") and Pacific Premier Bancorp, Inc. ("Pacific Premier") (the "Transaction"), the plans, objectives, expectations and intentions of Columbia an ...

EXHIBIT 99.1 COLUMBIA BANKING SYSTEM, INC. REPORTS SECOND QUARTER 2025 RESULTS $152 million $160 million $0.73 $0.76 Net income Operating net income Earnings per common share - diluted Operating earnings per common share - diluted 1 1 CEO Commentary Investor Contact Jacquelynne "Jacque" Bohlen, SVP/Investor Relations Director, 503-727-4100, jacquebohlen@columbiabank.com "Our second quarter results demonstrate our focus on profitability and balance sheet optimization," said Clint Stein, President and CEO. "C ...