COLB Columbia Banking System margins

Relative Growth: Rel. Growth: 75

Relative Strength: Rel. Strength: 56

Relative Valuation: Rel. Valuation: 67

Relative Profitability: Rel. Profitability: 83

Gross margin

100%

Operating margin

37.2%

EBITDA margin

42%

Net margin

28.4%

Current Columbia Banking System reports a gross margin of 100%, an operating margin of 37.2%, an EBITDA margin of 42%, and a net margin of 28.4%. Of the available margins, net margin increased the most and EBITDA margin fell the most, by 0.1 and 1.8 percentage points respectively.

COLB margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Columbia Banking System's margins averaged 100% gross, 35.17% operating, 42.05% EBITDA, and 26.26% net. For Columbia Banking System, operating and net margins are above their three-year averages, while EBITDA margin is below its three-year average.

COLB margin expansion

Year-over-year margin changes in percentage points

Compared with the same period last year, net margin expanded by 0.1 percentage points, while operating margin contracted by 1.1 percentage points and EBITDA margin by 1.8 percentage points.

Gross margin expansion

0pp

Operating margin expansion

-1.1pp

EBITDA margin expansion

-1.8pp

Net margin expansion

0.1pp

COLB Gross margin

Columbia Banking System recorded an average gross margin of 100% across the last 3 years. Columbia Banking System currently reports a gross margin of 100%, in line with its three-year average. During this period, gross margin reached a high of 100% in Jun 2026 and a low of 100% in Dec 2023.

COLB Operating margin

Columbia Banking System recorded an average operating margin of 35.17% across the last 3 years. Columbia Banking System currently reports an operating margin of 37.2%, 2 percentage points above its three-year average. During this period, operating margin reached a high of 39.4% in Dec 2024 and a low of 26.4% in Dec 2023.

COLB EBITDA margin

Columbia Banking System's EBITDA margin averaged 42.05% across the past 3 years. Compared with its three-year average, Columbia Banking System's current EBITDA margin is 42% and is 0.1 percentage points below its three-year average. Over the last 3 years, Columbia Banking System's EBITDA margin peaked at 47.7% in Dec 2024 and reached a low of 34.5% in Dec 2023.

COLB Net margin

Columbia Banking System's net margin averaged 26.26% in the last 3 years. Columbia Banking System's current net margin is 28.4% and is 2.1 percentage points above its three-year average. Over the last 3 years, Columbia Banking System's net margin peaked at 29.3% in Dec 2024 and reached a low of 19.6% in Dec 2023.

COLB margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, COLB stands above the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 83.7%, Columbia Banking System's gross margin is 19% higher.

COLB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Columbia Banking System's gross margin?

For the period ending Jun 30, 2026, COLB recorded a gross margin of 100%.

What is Columbia Banking System's operating margin?

As of Jun 30, 2026, COLB has an operating margin of 37.2%.

What is Columbia Banking System's EBITDA margin?

As of Jun 30, 2026, COLB has an EBITDA margin of 42%.

What is Columbia Banking System's net margin?

For the period ending Jun 30, 2026, COLB recorded a net margin of 28.4%.

What are the average margins of COLB?

Columbia Banking System's gross, operating, EBITDA, and net margins averaged 100.0% gross, 35.2% operating, 42.1% EBITDA, and 26.3% net over the last 3 years.

What are the highest historical margins of COLB?

Over this 5-year history, COLB peaked at 100% gross in Jun 2026, 42.3% operating in Dec 2021, 47.7% EBITDA in Dec 2024, and 31.9% net in Dec 2021.

What are the lowest historical margins of COLB?

Looking back across 5 years, COLB reached its lowest margins at 100% gross in Dec 2021, 25.7% operating in Mar 2023, 29% EBITDA in Mar 2023, and 19.2% net in Mar 2023.