EPS: As of FY2025 Q1, the actual value is USD 0.41, missing the estimate of USD 0.636.<h3>Commercial Real Estate Segment</h3><ul><li>Non-owner occupied term, net: The balance at March 31, 2025, was $6,179,261, compared to $6,278,154 at December 31, 2024.</li><li>Owner occupied term, net: The balance at March 31, 2025, was $5,303,424, compared to $5,270,294 at December 31, 2024.</li><li>Multifamily, net: The balance at March 31, 2025, was $5,831,266, compared to $5,804,364 at December 31, 2024.</li><li>Construction &amp; development, net: The balance at March 31, 2025, was $2,070,732, compared to $1,983,213 at December 31, 2024.</li><li>Residential development, net: The balance at March 31, 2025, was $252,349, compared to $231,647 at December 31, 2024.</li></ul><h3>Commercial Segment</h3><ul><li>Term, net: The balance at March 31, 2025, was $5,490,189, compared to $5,537,618 at December 31, 2024.</li><li>Lines of credit &amp; other, net: The balance at March 31, 2025, was $2,753,613, compared to $2,769,643 at December 31, 2024.</li><li>Leases &amp; equipment finance, net: The balance at March 31, 2025, was $1,644,052, compared to $1,660,835 at December 31, 2024.</li></ul><h3>Residential Segment</h3><ul><li>Mortgage, net: The balance at March 31, 2025, was $5,878,427, compared to $5,933,352 at December 31, 2024.</li><li>Home equity loans &amp; lines, net: The balance at March 31, 2025, was $2,039,061, compared to $2,031,653 at December 31, 2024.</li></ul><h3>Consumer &amp; Other Segment</h3><ul><li>Consumer &amp; other, net: The balance at March 31, 2025, was $173,727, compared to $180,128 at December 31, 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net cash provided by operating activities: $122,012 for the three months ended March 31, 2025, compared to $185,508 for the same period in 2024.</li><li>Net cash provided by (used in) investing activities: $250,245 for the three months ended March 31, 2025, compared to -$77,675 for the same period in 2024.</li><li>Net cash used in financing activities: -$177,806 for the three months ended March 31, 2025, compared to -$69,250 for the same period in 2024.</li></ul><h3>Future Outlook</h3><ul><li>The company is focusing on maintaining asset quality and controlling credit risk through diversification and sound underwriting practices.</li><li>The Bank uses Moody’s Analytics’ February 2025 consensus economic forecast for estimating the Allowance for Credit Losses (ACL) as of March 31, 2025, projecting higher GDP growth, lower unemployment rates, and average federal funds rates trending lower.</li></ul>

Columbia Banking | 10-Q: FY2025 Q1 EPS Misses Estimate at USD 0.41