COLUMBIA FINANCIAL INC (CLBK) Fundamental Analysis & Valuation

NASDAQ:CLBK • US1976411033

Current stock price

17.75 USD
+0.09 (+0.51%)
At close:
17.75 USD
0 (0%)
After Hours:

This CLBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CLBK Profitability Analysis

1.1 Basic Checks

  • CLBK had positive earnings in the past year.
  • In the past year CLBK had a positive cash flow from operations.
  • CLBK had positive earnings in 4 of the past 5 years.
  • CLBK had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • The Return On Assets of CLBK (0.47%) is worse than 83.95% of its industry peers.
  • CLBK has a worse Return On Equity (4.46%) than 85.26% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 4.46%
ROIC N/A
ROA(3y)0.23%
ROA(5y)0.5%
ROE(3y)2.28%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
CLBK Yearly ROA, ROE, ROICCLBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8

1.3 Margins

  • The Profit Margin of CLBK (20.01%) is worse than 71.32% of its industry peers.
  • In the last couple of years the Profit Margin of CLBK has declined.
  • The Operating Margin and Gross Margin are not available for CLBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.64%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
CLBK Yearly Profit, Operating, Gross MarginsCLBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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1

2. CLBK Health Analysis

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 less shares outstanding
  • CLBK has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CLBK has been reduced compared to a year ago.
CLBK Yearly Shares OutstandingCLBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • The Debt to FCF ratio of CLBK is 20.21, which is on the high side as it means it would take CLBK, 20.21 years of fcf income to pay off all of its debts.
  • CLBK has a Debt to FCF ratio of 20.21. This is amonst the worse of the industry: CLBK underperforms 83.16% of its industry peers.
  • A Debt/Equity ratio of 1.02 is on the high side and indicates that CLBK has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.02, CLBK is doing worse than 84.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.02
Debt/FCF 20.21
Altman-Z N/A
ROIC/WACCN/A
WACC11.97%
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 2025 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 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CLBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 525.00% over the past year.
  • The Earnings Per Share has been decreasing by -0.77% on average over the past years.
  • The Revenue has grown by 43.82% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 0.45% on average over the past years.
EPS 1Y (TTM)525%
EPS 3Y-14.64%
EPS 5Y-0.77%
EPS Q2Q%171.43%
Revenue 1Y (TTM)43.82%
Revenue growth 3Y-4.52%
Revenue growth 5Y0.45%
Sales Q2Q%29.71%

3.2 Future

  • Based on estimates for the next years, CLBK will show a very strong growth in Earnings Per Share. The EPS will grow by 25.70% on average per year.
  • Based on estimates for the next years, CLBK will show a quite strong growth in Revenue. The Revenue will grow by 13.20% on average per year.
EPS Next Y54%
EPS Next 2Y25.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15%
Revenue Next 2Y13.2%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0 0.2 0.4 0.6 0.8

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2

4. CLBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 34.80, CLBK can be considered very expensive at the moment.
  • 88.42% of the companies in the same industry are cheaper than CLBK, based on the Price/Earnings ratio.
  • CLBK is valuated rather expensively when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 22.60, which indicates a rather expensive current valuation of CLBK.
  • Based on the Price/Forward Earnings ratio, CLBK is valued a bit more expensive than 79.47% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.13. CLBK is around the same levels.
Industry RankSector Rank
PE 34.8
Fwd PE 22.6
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CLBK indicates a slightly more expensive valuation: CLBK is more expensive than 79.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 31.56
EV/EBITDA N/A
CLBK Per share dataCLBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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 25.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y25.7%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CLBK Dividend Analysis

5.1 Amount

  • No dividends for CLBK!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CLBK Fundamentals: All Metrics, Ratios and Statistics

COLUMBIA FINANCIAL INC

NASDAQ:CLBK (4/6/2026, 8:28:26 PM)

After market: 17.75 0 (0%)

17.75

+0.09 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-29
Inst Owners12.93%
Inst Owner Change0%
Ins Owners1.94%
Ins Owner Change0%
Market Cap1.85B
Revenue(TTM)258.70M
Net Income(TTM)51.77M
Analysts45.71
Price Target18.87 (6.31%)
Short Float %6.78%
Short Ratio6.29
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)2
Avg EPS beat(2)7.27%
Min EPS beat(2)1.42%
Max EPS beat(2)13.12%
EPS beat(4)3
Avg EPS beat(4)6.16%
Min EPS beat(4)-1.96%
Max EPS beat(4)13.12%
EPS beat(8)4
Avg EPS beat(8)-28.39%
EPS beat(12)5
Avg EPS beat(12)-25.76%
EPS beat(16)6
Avg EPS beat(16)-20.39%
Revenue beat(2)1
Avg Revenue beat(2)0.73%
Min Revenue beat(2)-0.27%
Max Revenue beat(2)1.74%
Revenue beat(4)1
Avg Revenue beat(4)0.06%
Min Revenue beat(4)-1.22%
Max Revenue beat(4)1.74%
Revenue beat(8)1
Avg Revenue beat(8)-1.18%
Revenue beat(12)2
Avg Revenue beat(12)-1.71%
Revenue beat(16)6
Avg Revenue beat(16)0.78%
PT rev (1m)2.78%
PT rev (3m)2.78%
EPS NQ rev (1m)-3.12%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)0%
EPS NY rev (3m)21.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.93%
Valuation
Industry RankSector Rank
PE 34.8
Fwd PE 22.6
P/S 7.14
P/FCF 31.56
P/OCF 27.02
P/B 1.59
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)0.51
EY2.87%
EPS(NY)0.79
Fwd EY4.42%
FCF(TTM)0.56
FCFY3.17%
OCF(TTM)0.66
OCFY3.7%
SpS2.48
BVpS11.15
TBVpS9.99
PEG (NY)0.64
PEG (5Y)N/A
Graham Number11.31
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 4.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.01%
GM N/A
FCFM 22.64%
ROA(3y)0.23%
ROA(5y)0.5%
ROE(3y)2.28%
ROE(5y)4.71%
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 3Y-11.64%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.02
Debt/FCF 20.21
Debt/EBITDA N/A
Cap/Depr 91.3%
Cap/Sales 3.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.97%
ROIC/WACCN/A
Cap/Depr(3y)79.43%
Cap/Depr(5y)77.43%
Cap/Sales(3y)3.74%
Cap/Sales(5y)3.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)525%
EPS 3Y-14.64%
EPS 5Y-0.77%
EPS Q2Q%171.43%
EPS Next Y54%
EPS Next 2Y25.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.82%
Revenue growth 3Y-4.52%
Revenue growth 5Y0.45%
Sales Q2Q%29.71%
Revenue Next Year15%
Revenue Next 2Y13.2%
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 1Y126.32%
FCF growth 3Y-24.3%
FCF growth 5Y5.69%
OCF growth 1Y105.27%
OCF growth 3Y-21.65%
OCF growth 5Y6.9%

COLUMBIA FINANCIAL INC / CLBK Fundamental Analysis FAQ

What is the fundamental rating for CLBK stock?

ChartMill assigns a fundamental rating of 3 / 10 to CLBK.


What is the valuation status for 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 financial health of COLUMBIA FINANCIAL INC (CLBK) stock?

The financial health rating of COLUMBIA FINANCIAL INC (CLBK) is 1 / 10.