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COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

NASDAQ:CLBK - Nasdaq - US1976411033 - Common Stock - Currency: USD

13.91  -0.41 (-2.86%)

After market: 13.91 0 (0%)

Fundamental Rating

2

Taking everything into account, CLBK scores 2 out of 10 in our fundamental rating. CLBK was compared to 396 industry peers in the Banks industry. CLBK has a bad profitability rating. Also its financial health evaluation is rather negative. CLBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CLBK had negative earnings in the past year.
CLBK had a positive operating cash flow in the past year.
CLBK had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CLBK had a positive operating cash flow.
CLBK Yearly Net Income VS EBIT VS OCF VS FCFCLBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

CLBK has a worse Return On Assets (-0.02%) than 91.41% of its industry peers.
The Return On Equity of CLBK (-0.15%) is worse than 91.41% of its industry peers.
Industry RankSector Rank
ROA -0.02%
ROE -0.15%
ROIC N/A
ROA(3y)0.35%
ROA(5y)0.54%
ROE(3y)3.52%
ROE(5y)4.96%
ROIC(3y)N/A
ROIC(5y)N/A
CLBK Yearly ROA, ROE, ROICCLBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for CLBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CLBK Yearly Profit, Operating, Gross MarginsCLBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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1

2. Health

2.1 Basic Checks

CLBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
CLBK has about the same amout of shares outstanding than it did 1 year ago.
CLBK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CLBK is higher compared to a year ago.
CLBK Yearly Shares OutstandingCLBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
CLBK Yearly Total Debt VS Total AssetsCLBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of CLBK is 124.09, which is on the high side as it means it would take CLBK, 124.09 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 124.09, CLBK is not doing good in the industry: 87.88% of the companies in the same industry are doing better.
CLBK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of CLBK (1.01) is worse than 85.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.01
Debt/FCF 124.09
Altman-Z N/A
ROIC/WACCN/A
WACC13.63%
CLBK Yearly LT Debt VS Equity VS FCFCLBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CLBK Yearly Current Assets VS Current LiabilitesCLBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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3

3. Growth

3.1 Past

CLBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -112.50%.
CLBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.66%.
Measured over the past years, CLBK shows a decrease in Revenue. The Revenue has been decreasing by -2.49% on average per year.
EPS 1Y (TTM)-112.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
Revenue 1Y (TTM)-11.66%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%19.25%

3.2 Future

The Earnings Per Share is expected to grow by 160.82% on average over the next years. This is a very strong growth
Based on estimates for the next years, CLBK will show a quite strong growth in Revenue. The Revenue will grow by 16.82% on average per year.
EPS Next Y474%
EPS Next 2Y160.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.38%
Revenue Next 2Y16.82%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CLBK Yearly Revenue VS EstimatesCLBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CLBK Yearly EPS VS EstimatesCLBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.2 0.4 0.6 0.8

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLBK. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 24.14, which indicates a rather expensive current valuation of CLBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CLBK indicates a rather expensive valuation: CLBK more expensive than 80.05% of the companies listed in the same industry.
CLBK's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.13.
Industry RankSector Rank
PE N/A
Fwd PE 24.14
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -200 -400 -600

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CLBK is valued more expensive than 86.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 163.52
EV/EBITDA N/A
CLBK Per share dataCLBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CLBK's earnings are expected to grow with 160.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y160.82%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CLBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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COLUMBIA FINANCIAL INC

NASDAQ:CLBK (6/13/2025, 8:00:00 PM)

After market: 13.91 0 (0%)

13.91

-0.41 (-2.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners13.17%
Inst Owner Change1.17%
Ins Owners1.94%
Ins Owner Change-0.03%
Market Cap1.46B
Analysts82.5
Price Target17.34 (24.66%)
Short Float %6.71%
Short Ratio10.82
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-72.09%
Min EPS beat(2)-142.21%
Max EPS beat(2)-1.96%
EPS beat(4)1
Avg EPS beat(4)-33.52%
Min EPS beat(4)-142.21%
Max EPS beat(4)12.04%
EPS beat(8)2
Avg EPS beat(8)-41.07%
EPS beat(12)3
Avg EPS beat(12)-29.04%
EPS beat(16)5
Avg EPS beat(16)-19.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.3%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)-1.22%
Revenue beat(4)0
Avg Revenue beat(4)-1.78%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)-1.22%
Revenue beat(8)0
Avg Revenue beat(8)-3%
Revenue beat(12)4
Avg Revenue beat(12)0.01%
Revenue beat(16)8
Avg Revenue beat(16)3.24%
PT rev (1m)0%
PT rev (3m)-5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5%
EPS NY rev (1m)0%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.11%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 24.14
P/S 7.72
P/FCF 163.52
P/OCF 82.92
P/B 1.33
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)-0.02
EYN/A
EPS(NY)0.58
Fwd EY4.14%
FCF(TTM)0.09
FCFY0.61%
OCF(TTM)0.17
OCFY1.21%
SpS1.8
BVpS10.49
TBVpS9.34
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.02%
ROE -0.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 4.72%
ROA(3y)0.35%
ROA(5y)0.54%
ROE(3y)3.52%
ROE(5y)4.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.01
Debt/FCF 124.09
Debt/EBITDA N/A
Cap/Depr 83.13%
Cap/Sales 4.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.63%
ROIC/WACCN/A
Cap/Depr(3y)74.8%
Cap/Depr(5y)71.43%
Cap/Sales(3y)3.28%
Cap/Sales(5y)2.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-112.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
EPS Next Y474%
EPS Next 2Y160.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.66%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%19.25%
Revenue Next Year20.38%
Revenue Next 2Y16.82%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.86%
FCF growth 3Y-34.76%
FCF growth 5Y59.58%
OCF growth 1Y-83.35%
OCF growth 3Y-30.37%
OCF growth 5Y8.86%