Provide personal banking products including checking and savings accounts. Offer home mortgages and personal loans for consumers. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 25% a year over the last 4 years. Every year shown ended in profit.
The market pays 15.5× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 96% of them.
Analysts' average target sits 14% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 25% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 25% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 48/100.
On our five-subject report card, COLB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: COLB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.