COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis
USA - NASDAQ:CLBK - US1976411033 - Common Stock
15.47 USD
+0.24 (+1.58%)
Taking everything into account, CLBK scores 2 out of 10 in our fundamental rating. CLBK was compared to 388 industry peers in the Banks industry. CLBK may be in some trouble as it scores bad on both profitability and health. CLBK does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CLBK had positive earnings in the past year.
In the past year CLBK had a positive cash flow from operations.
Of the past 5 years CLBK 4 years were profitable.
Each year in the past 5 years CLBK had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CLBK (0.06%) is worse than 88.66% of its industry peers.
The Return On Equity of CLBK (0.55%) is worse than 88.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.06% | ||
| ROE | 0.55% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 3.09%, CLBK is doing worse than 88.14% of the companies in the same industry.
CLBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.09% | ||
| 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
2. Health
2.1 Basic Checks
CLBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CLBK has about the same amount of shares outstanding.
Compared to 5 years ago, CLBK has less shares outstanding
The debt/assets ratio for CLBK is higher compared to a year ago.
2.2 Solvency
CLBK has a debt to FCF ratio of 273.61. This is a negative value and a sign of low solvency as CLBK would need 273.61 years to pay back of all of its debts.
CLBK has a Debt to FCF ratio of 273.61. This is amonst the worse of the industry: CLBK underperforms 85.82% of its industry peers.
CLBK has a Debt/Equity ratio of 1.14. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.14, CLBK is doing worse than 86.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | 273.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CLBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
Looking at the last year, CLBK shows a decrease in Revenue. The Revenue has decreased by -0.52% in the last year.
The Revenue has been decreasing by -2.49% on average over the past years.
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
Revenue 1Y (TTM)-0.52%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%26.75%
3.2 Future
CLBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 109.73% yearly.
Based on estimates for the next years, CLBK will show a quite strong growth in Revenue. The Revenue will grow by 17.22% on average per year.
EPS Next Y516.5%
EPS Next 2Y171.98%
EPS Next 3Y109.73%
EPS Next 5YN/A
Revenue Next Year21.64%
Revenue Next 2Y17.22%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 103.13 indicates a quite expensive valuation of CLBK.
Based on the Price/Earnings ratio, CLBK is valued expensively inside the industry as 87.11% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 26.06, CLBK is valued quite expensively.
The Price/Forward Earnings ratio is 23.88, 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 slightly more expensive valuation: CLBK is more expensive than 79.64% of the companies listed in the same industry.
CLBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 103.13 | ||
| Fwd PE | 23.88 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CLBK is valued more expensive than 83.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 349.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CLBK's 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 109.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y171.98%
EPS Next 3Y109.73%
5. Dividend
5.1 Amount
CLBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:CLBK (11/10/2025, 1:18:31 PM)
15.47
+0.24 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners13.12%
Inst Owner Change-0.78%
Ins Owners1.94%
Ins Owner Change0%
Market Cap1.62B
Revenue(TTM)212.64M
Net Income(TTM)6.17M
Analysts82.5
Price Target17.34 (12.09%)
Short Float %6.36%
Short Ratio13.08
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)5.04%
Min EPS beat(2)-1.96%
Max EPS beat(2)12.04%
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)3
Avg EPS beat(8)-28.95%
EPS beat(12)4
Avg EPS beat(12)-27.87%
EPS beat(16)5
Avg EPS beat(16)-20.63%
Revenue beat(2)0
Avg Revenue beat(2)-0.61%
Min Revenue beat(2)-1.22%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-1.45%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)0%
Revenue beat(8)0
Avg Revenue beat(8)-1.92%
Revenue beat(12)3
Avg Revenue beat(12)-0.59%
Revenue beat(16)7
Avg Revenue beat(16)2.01%
PT rev (1m)0%
PT rev (3m)1.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)2.08%
EPS NY rev (3m)12.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 103.13 | ||
| Fwd PE | 23.88 | ||
| P/S | 8.13 | ||
| P/FCF | 349.01 | ||
| P/OCF | 118.74 | ||
| P/B | 1.45 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.15
EY0.97%
EPS(NY)0.65
Fwd EY4.19%
FCF(TTM)0.04
FCFY0.29%
OCF(TTM)0.13
OCFY0.84%
SpS1.9
BVpS10.68
TBVpS9.54
PEG (NY)0.2
PEG (5Y)N/A
Graham Number6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.06% | ||
| ROE | 0.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.09% | ||
| GM | N/A | ||
| FCFM | 2.33% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | 273.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.18% | ||
| Cap/Sales | 4.52% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 75.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.7%
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)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
EPS Next Y516.5%
EPS Next 2Y171.98%
EPS Next 3Y109.73%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.52%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%26.75%
Revenue Next Year21.64%
Revenue Next 2Y17.22%
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-94.81%
FCF growth 3Y-34.76%
FCF growth 5Y59.58%
OCF growth 1Y-85.95%
OCF growth 3Y-30.37%
OCF growth 5Y8.86%
COLUMBIA FINANCIAL INC / CLBK FAQ
What is the fundamental rating for CLBK stock?
ChartMill assigns a fundamental rating of 2 / 10 to CLBK.
What is the valuation status of COLUMBIA FINANCIAL INC (CLBK) stock?
ChartMill assigns a valuation rating of 2 / 10 to COLUMBIA FINANCIAL INC (CLBK). This can be considered as Overvalued.
Can you provide the profitability details for COLUMBIA FINANCIAL INC?
COLUMBIA FINANCIAL INC (CLBK) has a profitability rating of 2 / 10.
What is the valuation of COLUMBIA FINANCIAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for COLUMBIA FINANCIAL INC (CLBK) is 103.13 and the Price/Book (PB) ratio is 1.45.
Can you provide the expected EPS growth for CLBK stock?
The Earnings per Share (EPS) of COLUMBIA FINANCIAL INC (CLBK) is expected to grow by 516.5% in the next year.