NASDAQ · STOCK
Columbia Banking System
$30.89
52W $22.77 – $33.68
69/100
—
12.4
0.66
Explore COLB Further
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is COLB Bullish or Bearish?
Bullish.
Innellis AI committee rates Columbia Banking System (COLB) Buy with a composite score of 69/100
, based on 7 analysts with 57% agreement.
Last updated July 26, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.19 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.81 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.164) — bearish momentum.
- Risk/reward is unfavorable: 3.3% downside vs 0.5% upside.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 26, 2026
Overall Committee Score
69/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 3%
of 178 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.2 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 230.1% YoY -- genuine top-line momentum
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 6 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 62.4 to 68.8.
- Conviction changed from moderate to contested.
- Committee agreement fell modestly from 60% to 57%.
- New bearish signals: 1 appeared.
- New bullish signals: 5 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- New analyst(s) joined: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Risk Analyst joined: bullish at 80.
- Value Analyst joined: bullish at 77.
Comparing 2026-07-25 to 2026-07-26 (1 day apart).
Technical Analysis
RSI (14)
32.0
Neutral
MACD Histogram
-0.164
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$30.13
Resistance
$31.32
Bollinger %B
0.04
Inside Bands
Price vs Moving Averages
EMA 9
$32.28
Below
EMA 21
$32.05
Below
EMA 50
$31.19
Below
EMA 200
$29.08
Above
Fundamental Analysis
Valuation
100
Growth
80
Profitability
0
Financial Health
46
Cash Flow
37
Valuation
P/E Ratio
12.4×
P/B Ratio
1.18×
PEG Ratio
-31.27
Dividend Yield
0.05%
52W High
$33.68
52W Low
$22.77
Quality & Growth
ROE
7.0%
ROA
0.8%
Gross Margin
71.0%
Operating Margin
26.8%
Revenue Growth YoY
—
Debt / Equity
0.65
AI Fundamental Assessment
P/E ratio of 12.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of -31.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.01 (tight short-term liquidity); Debt-to-equity of 0.65; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (3.78); Most recent quarter beat estimates by 2.3%; 5 consecutive earnings beats; EPS growth accelerating (-12.2% -> +5.6% QoQ); Average YoY EPS growth of 0.0%; Analyst estimates flat over recent quarters
Key Risks
- MACD histogram is negative (-0.164) — bearish momentum.
- Risk/reward is unfavorable: 3.3% downside vs 0.5% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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