COLUMBIA FINANCIAL INC (CLBK)
US1976411033 - Common Stock
Overall CLBK gets a fundamental rating of 2 out of 10. We evaluated CLBK against 411 industry peers in the Banks industry. Both the profitability and financial health of CLBK have multiple concerns. CLBK has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year CLBK was profitable.
CLBK had a positive operating cash flow in the past year.
In the past 5 years CLBK has always been profitable.
In the past 5 years CLBK always reported a positive cash flow from operatings.
1.2 Ratios
CLBK's Return On Assets of 0.34% is on the low side compared to the rest of the industry. CLBK is outperformed by 85.89% of its industry peers.
With a Return On Equity value of 3.47%, CLBK is not doing good in the industry: 87.10% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.47% | ||
| ROIC | N/A |
ROA(3y)0.72%
ROA(5y)0.7%
ROE(3y)6.72%
ROE(5y)6.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 15.47%, CLBK is doing worse than 78.59% of the companies in the same industry.
In the last couple of years the Profit Margin of CLBK has grown nicely.
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) | 15.47% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.1%
PM growth 5Y4.82%
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.
The number of shares outstanding for CLBK has been reduced compared to 1 year ago.
CLBK has less shares outstanding than it did 5 years ago.
CLBK has a worse debt/assets ratio than last year.
2.2 Solvency
CLBK has a debt to FCF ratio of 46.21. This is a negative value and a sign of low solvency as CLBK would need 46.21 years to pay back of all of its debts.
The Debt to FCF ratio of CLBK (46.21) is worse than 87.83% of its industry peers.
A Debt/Equity ratio of 1.47 is on the high side and indicates that CLBK has dependencies on debt financing.
CLBK has a worse Debt to Equity ratio (1.47) than 88.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | 46.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CLBK have decreased strongly by -57.32% in the last year.
The Earnings Per Share has been growing by 11.89% on average over the past years. This is quite good.
Looking at the last year, CLBK shows a very negative growth in Revenue. The Revenue has decreased by -21.52% in the last year.
Measured over the past years, CLBK shows a small growth in Revenue. The Revenue has been growing by 4.67% on average per year.
EPS 1Y (TTM)-57.32%
EPS 3Y-12.92%
EPS 5Y11.89%
EPS growth Q2Q-71.43%
Revenue 1Y (TTM)-21.52%
Revenue growth 3Y-2.66%
Revenue growth 5Y4.67%
Revenue growth Q2Q-25.46%
3.2 Future
Based on estimates for the next years, CLBK will show a small growth in Earnings Per Share. The EPS will grow by 5.23% on average per year.
Based on estimates for the next years, CLBK will show a small growth in Revenue. The Revenue will grow by 0.28% on average per year.
EPS Next Y-35.89%
EPS Next 2Y5.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.76%
Revenue Next 2Y0.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 47.51, which means the current valuation is very expensive for CLBK.
92.46% of the companies in the same industry are cheaper than CLBK, based on the Price/Earnings ratio.
CLBK is valuated expensively when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
CLBK is valuated quite expensively with a Price/Forward Earnings ratio of 74.11.
80.29% of the companies in the same industry are cheaper than CLBK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.60. CLBK is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.51 | ||
| Fwd PE | 74.11 |
4.2 Price Multiples
86.62% of the companies in the same industry are cheaper than CLBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 52.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4
EPS Next 2Y5.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CLBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
COLUMBIA FINANCIAL INC
NASDAQ:CLBK (4/24/2024, 10:30:57 AM)
16.63
-0.14 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.74B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.51 | ||
| Fwd PE | 74.11 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.47% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 15.47% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-57.32%
EPS 3Y-12.92%
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.89%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-21.52%
Revenue growth 3Y-2.66%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y