Core Viewpoint - Columbia Banking System, Inc. will acquire Pacific Premier Bancorp, Inc. in an all-stock transaction valued at approximately $2.0 billion, creating a combined entity with around $70 billion in assets, positioning it as a market leader in the Western U.S. banking sector [1][2][5] Strategic Benefits - The merger establishes a leading banking franchise in the Western region, enhancing competitive positioning in Southern California and expanding service offerings [2][5] - The transaction accelerates Columbia's expansion in Southern California by about a decade, moving its deposit market share into a top-10 position [5] - Pacific Premier's specialized banking verticals, such as HOA Banking and Custodial Trust, will enhance Columbia's product offerings [5] - The combined company will continue to support local communities through volunteerism and charitable initiatives [5] Financial Benefits - The merger is projected to deliver mid-teens EPS accretion to Columbia, with tangible book value dilution expected to be earned back in three years [5][12] - The transaction is anticipated to create approximately $0.9 billion in value based on achievable cost synergies, with expected expense savings of $88 million after-tax [12] - The combined entity is positioned to achieve top-quartile profitability metrics, including an anticipated 20% ROATCE and 1.4% ROAA by 2026 [12] Company Overview - Columbia Banking System, Inc. is headquartered in Tacoma, Washington, and is the parent company of Umpqua Bank, which operates across multiple states in the Western U.S. [10] - Pacific Premier Bancorp, Inc. is a commercial bank focused on serving small to middle-market businesses throughout the Western U.S., with approximately $18 billion in total assets [11]

Core Viewpoint - Columbia Banking (COLB) is expected to report quarterly earnings of $0.63 per share, reflecting a year-over-year decline of 3.1%, with revenues projected at $481.3 million, an increase of 1.6% from the previous year [1] Earnings Estimates - The consensus EPS estimate has remained unchanged over the past 30 days, indicating a reassessment by analysts [1][2] - Changes in earnings estimates are crucial for predicting investor reactions and short-term stock performance [2] Key Metrics Projections - Total non-performing assets are projected to reach $175.35 million, up from $143.80 million a year ago [4] - The Efficiency Ratio is expected to improve to 55.1% from 60.6% in the same quarter last year [4] - Net Interest Margin is forecasted at 3.6%, slightly up from 3.5% a year ago [4] Additional Financial Metrics - Average Balance of Total interest earning assets is estimated at $47.98 billion, down from $48.28 billion in the same quarter last year [5] - Total non-performing loans and leases are expected to be $172.56 million, compared to $142.04 million a year ago [5] - Net Interest Income is projected at $422.64 million, slightly lower than $423.36 million reported last year [6] - Total noninterest income is expected to reach $57.85 million, up from $50.36 million a year ago [6] - Service charges on deposits are forecasted at $18.36 million, compared to $16.06 million last year [6] - Net interest income (FTE) is expected to be $422.66 million, down from $424.34 million last year [7] - Financial services and trust revenue is projected at $5.24 million, up from $4.46 million a year ago [7] Stock Performance - Over the past month, Columbia Banking shares have declined by 14.1%, compared to a 8.9% decline in the Zacks S&P 500 composite [8] - Columbia Banking holds a Zacks Rank 2 (Buy), suggesting it may outperform the overall market in the upcoming period [8]

Columbia Banking (COLB) has been beaten down lately with too much selling pressure. While the stock has lost 13.5% over the past four weeks, there is light at the end of the tunnel as it is now in oversold territory and Wall Street analysts expect the company to report better earnings than they predicted earlier.How to Determine if a Stock is OversoldWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is oversold. This is a momentum oscillat ...

Company Overview - Columbia Banking (COLB) shares increased by 6.9% to close at $22.21, following a broader market rally driven by President Trump's announcement of a 90-day tariff pause for non-retaliating nations [1] - The stock had previously experienced a 13% loss over the past four weeks, indicating a significant recovery [1] Earnings Expectations - Columbia Banking is expected to report quarterly earnings of $0.63 per share, reflecting a year-over-year decline of 3.1% [2] - Projected revenues for the upcoming quarter are $481.3 million, which represents a 1.6% increase from the same quarter last year [2] Stock Performance and Trends - The consensus EPS estimate for Columbia Banking has remained unchanged over the last 30 days, suggesting that the recent stock price increase may not be sustainable without positive earnings estimate revisions [3] - Columbia Banking currently holds a Zacks Rank of 2 (Buy), indicating a favorable outlook compared to other stocks in the same industry [3] Industry Comparison - Columbia Banking is part of the Zacks Banks - West industry, where another competitor, Glacier Bancorp (GBCI), saw a 9.8% increase in its stock price, closing at $41.55 [3] - Glacier Bancorp's consensus EPS estimate for the upcoming report is $0.48, showing a significant year-over-year increase of 65.5% [4]

Tariffs are in the news and will impact the broad stock market in 2025 and potentially longer, but not all stocks are in the same precarious predicament. While many companies manufacture and/or sell their products and services overseas, not all do, and some companies are actually positioned to benefit from the tariff impact. Companies with strong domestic operations and limited reliance on foreign markets may emerge as winners amid the 2025 tariff shake-up. Here's a closer look at four stocks with limited i ...

Columbia (Nasdaq: COLB) is headquartered in Tacoma, Washington and is the parent company of Umpqua Bank, an award-winning western U.S. regional bank based in Lake Oswego, Oregon. Umpqua Bank is the largest bank headquartered in the Northwest and one of the largest banks headquartered in the West with locations in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. With over $50 billion of assets, Umpqua Bank combines the resources, sophistication, and expertise of a national bank wit ...

Core Insights - Umpqua Bank has opened its first retail branch and commercial office in Denver, Colorado, marking a significant step in its expansion strategy across the Western U.S. [1][3] - The bank's growth in Colorado builds on its initial market entry in 2022, focusing on commercial real estate services and expanding its offerings to include private banking and wealth management [1][3][4] Expansion Strategy - The new Denver location includes a 7,500 square foot commercial space and a 2,600 square foot retail branch, demonstrating the bank's commitment to supporting a wide range of customer banking needs [4][5] - Umpqua Bank plans to open another commercial and retail location in Colorado Springs later in 2025, indicating ongoing expansion efforts in the state [6] Community Engagement - Umpqua Bank actively contributes to local communities, with the Umpqua Bank Charitable Foundation donating a total of $60,000 to various organizations in Denver [7] - An additional $25,000 was donated to the Denver Indian Family Resource Center to support tribal and indigenous communities [8] Company Overview - Umpqua Bank, a subsidiary of Columbia Banking System, Inc., has over $50 billion in assets and operates nearly 300 branches across eight western states [9] - The bank has been recognized for its exceptional customer service and community involvement, being named one of "Oregon's Most Admired Companies" for 20 consecutive years [10]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 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. (Exact name of registrant as specified in its charter) of Incorporation or Organization) Washington 91-1 ...

Core Viewpoint - Columbia Banking System, Inc. is actively participating in upcoming financial conferences, showcasing its leadership and strategic direction in the banking sector [1][2]. Company Overview - Columbia Banking System, Inc. (Nasdaq: COLB) is headquartered in Tacoma, Washington, and is the parent company of Umpqua Bank, which is recognized as the largest bank in the Northwest and one of the largest in the West [3]. - Umpqua Bank has over $50 billion in assets and offers a comprehensive range of services, including retail and commercial banking, Small Business Administration lending, institutional and corporate banking, and equipment leasing [3]. - The bank also provides investment and wealth management services through Columbia Wealth Advisors and Columbia Trust Company, enhancing its service offerings to consumers and businesses [3].

Financial Data and Key Metrics Changes - The fourth quarter results indicate a year of financial and organizational performance improvement, showcasing an optimized expense base and fine-tuned pricing strategies [6]. Business Line Data and Key Metrics Changes - Specific data and metrics for each business line were not detailed in the provided content. Market Data and Key Metrics Changes - Market data and metrics were not explicitly mentioned in the provided content. Company Strategy and Development Direction - The company emphasizes targeted franchise investments as part of its strategic direction, indicating a focus on enhancing operational efficiency and market positioning [6]. Management's Comments on Operating Environment and Future Outlook - Management highlighted the importance of the optimized expense base and pricing strategies in navigating the current operating environment, suggesting a positive outlook for future performance [6]. Other Important Information - The call included forward-looking statements subject to risks and uncertainties, with references to non-GAAP financial measures [4]. Q&A Session Summary - The Q&A session details were not provided in the content.