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COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

USA - NASDAQ:CLBK - US1976411033 - Common Stock

14.74 USD
-0.02 (-0.14%)
Last: 10/2/2025, 8:00:01 PM
14.74 USD
0 (0%)
After Hours: 10/2/2025, 8:00:01 PM
Fundamental Rating

2

CLBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 392 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

In the past year CLBK was profitable.
CLBK had a positive operating cash flow in the past year.
Of the past 5 years CLBK 4 years were profitable.
In the past 5 years CLBK always reported a positive cash flow from operatings.
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 (0.06%) than 88.52% of its industry peers.
With a Return On Equity value of 0.55%, CLBK is not doing good in the industry: 89.03% of the companies in the same industry are doing better.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 3.09%, CLBK is doing worse than 88.01% of the companies in the same industry.
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) 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
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.
The number of shares outstanding for CLBK remains at a similar level compared to 1 year ago.
Compared to 5 years ago, CLBK has less shares outstanding
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 273.61, which is on the high side as it means it would take CLBK, 273.61 years of fcf income to pay off all of its debts.
CLBK has a Debt to FCF ratio of 273.61. This is amonst the worse of the industry: CLBK underperforms 85.20% 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.
With a Debt to Equity ratio value of 1.14, CLBK is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.14
Debt/FCF 273.61
Altman-Z N/A
ROIC/WACCN/A
WACC13.07%
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. Growth

3.1 Past

CLBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -66.67%.
The Revenue has decreased by -7.84% in the past year.
The Revenue has been decreasing by -2.49% on average over the past years.
EPS 1Y (TTM)-66.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)-7.84%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%21.83%

3.2 Future

CLBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 168.05% yearly.
The Revenue is expected to grow by 16.82% on average over the next years. This is quite good.
EPS Next Y508%
EPS Next 2Y168.05%
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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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 245.67, CLBK can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of CLBK indicates a rather expensive valuation: CLBK more expensive than 88.52% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CLBK to the average of the S&P500 Index (27.86), we can say CLBK is valued expensively.
Based on the Price/Forward Earnings ratio of 23.69, the valuation of CLBK can be described as rather expensive.
Based on the Price/Forward Earnings ratio, CLBK is valued a bit more expensive than the industry average as 79.59% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.29, CLBK is valued at the same level.
Industry RankSector Rank
PE 245.67
Fwd PE 23.69
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CLBK is valued more expensive than 83.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 332.55
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

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 168.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y168.05%
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 (10/2/2025, 8:00:01 PM)

After market: 14.74 0 (0%)

14.74

-0.02 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners13.12%
Inst Owner Change0.88%
Ins Owners1.94%
Ins Owner Change0%
Market Cap1.55B
Analysts82.5
Price Target17.09 (15.94%)
Short Float %6%
Short Ratio13.51
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)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)-1.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)13.04%
EPS NY rev (1m)0%
EPS NY rev (3m)9.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 245.67
Fwd PE 23.69
P/S 7.75
P/FCF 332.55
P/OCF 113.13
P/B 1.38
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)0.06
EY0.41%
EPS(NY)0.62
Fwd EY4.22%
FCF(TTM)0.04
FCFY0.3%
OCF(TTM)0.13
OCFY0.88%
SpS1.9
BVpS10.68
TBVpS9.54
PEG (NY)0.48
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.14
Debt/FCF 273.61
Debt/EBITDA N/A
Cap/Depr 55.11%
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
WACC13.07%
ROIC/WACCN/A
Cap/Depr(3y)61.28%
Cap/Depr(5y)63.32%
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)-66.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y508%
EPS Next 2Y168.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.84%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%21.83%
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-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%