COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

NASDAQ:CLBK • US1976411033

17.9 USD
-0.31 (-1.7%)
At close: Feb 27, 2026
17.9 USD
0 (0%)
After Hours: 2/27/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CLBK. CLBK was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of CLBK have multiple concerns. CLBK is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

2

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.
  • CLBK had positive earnings in 4 of the past 5 years.
  • CLBK had a positive operating cash flow in 4 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

  • Looking at the Return On Assets, with a value of 0.14%, CLBK is doing worse than 89.18% of the companies in the same industry.
  • CLBK's Return On Equity of 1.30% is on the low side compared to the rest of the industry. CLBK is outperformed by 88.39% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 1.3%
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

  • CLBK has a Profit Margin of 6.98%. This is amonst the worse of the industry: CLBK underperforms 87.86% of its industry peers.
  • In the last couple of years the Profit Margin of CLBK has declined.
  • CLBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 6.98%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 less shares outstanding
  • The number of shares outstanding for CLBK has been reduced compared to 5 years ago.
  • Compared to 1 year ago, CLBK has a worse debt to assets ratio.
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 19.79, which is on the high side as it means it would take CLBK, 19.79 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CLBK (19.79) is worse than 82.59% of its industry peers.
  • A Debt/Equity ratio of 1.11 is on the high side and indicates that CLBK has dependencies on debt financing.
  • CLBK has a Debt to Equity ratio of 1.11. This is amonst the worse of the industry: CLBK underperforms 85.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 19.79
Altman-Z N/A
ROIC/WACCN/A
WACC12.1%
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. Growth

3.1 Past

  • CLBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 525.00%, which is quite impressive.
  • 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!
  • CLBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.45% yearly.
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

  • The Earnings Per Share is expected to grow by 25.70% 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 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 35.10, 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 88.39% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.10. CLBK is valued slightly more expensive when compared to this.
  • CLBK is valuated rather expensively with a Price/Forward Earnings ratio of 22.79.
  • 79.68% of the companies in the same industry are cheaper than CLBK, based on the Price/Forward Earnings ratio.
  • CLBK's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 35.1
Fwd PE 22.79
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

  • Based on the Price/Free Cash Flow ratio, CLBK is valued a bit more expensive than 79.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.16
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 25.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
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. Dividend

5.1 Amount

  • CLBK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

COLUMBIA FINANCIAL INC

NASDAQ:CLBK (2/27/2026, 8:00:00 PM)

After market: 17.9 0 (0%)

17.9

-0.31 (-1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-28
Inst Owners13.33%
Inst Owner Change-3.06%
Ins Owners1.95%
Ins Owner Change0%
Market Cap1.86B
Revenue(TTM)258.70M
Net Income(TTM)14.85M
Analysts43.33
Price Target18.36 (2.57%)
Short Float %5.64%
Short Ratio8.3
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)12.58%
Min EPS beat(2)12.04%
Max EPS beat(2)13.12%
EPS beat(4)2
Avg EPS beat(4)-29.75%
Min EPS beat(4)-142.21%
Max EPS beat(4)13.12%
EPS beat(8)3
Avg EPS beat(8)-30.56%
EPS beat(12)5
Avg EPS beat(12)-25.84%
EPS beat(16)6
Avg EPS beat(16)-19.68%
Revenue beat(2)1
Avg Revenue beat(2)0.87%
Min Revenue beat(2)0%
Max Revenue beat(2)1.74%
Revenue beat(4)1
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)1.74%
Revenue beat(8)1
Avg Revenue beat(8)-1.67%
Revenue beat(12)3
Avg Revenue beat(12)-1.17%
Revenue beat(16)7
Avg Revenue beat(16)1.47%
PT rev (1m)0%
PT rev (3m)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)21.26%
EPS NY rev (3m)21.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.68%
Revenue NY rev (1m)3.93%
Revenue NY rev (3m)3.93%
Valuation
Industry RankSector Rank
PE 35.1
Fwd PE 22.79
P/S 8.75
P/FCF 29.16
P/OCF 25.53
P/B 1.63
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)0.51
EY2.85%
EPS(NY)0.79
Fwd EY4.39%
FCF(TTM)0.61
FCFY3.43%
OCF(TTM)0.7
OCFY3.92%
SpS2.04
BVpS10.97
TBVpS9.81
PEG (NY)0.65
PEG (5Y)N/A
Graham Number11.22
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 1.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.98%
GM N/A
FCFM 30.02%
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 19.79
Debt/EBITDA N/A
Cap/Depr 118.03%
Cap/Sales 4.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 429.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 1Y276.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y359.83%
OCF growth 3YN/A
OCF growth 5YN/A

COLUMBIA FINANCIAL INC / CLBK 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.


How profitable is COLUMBIA FINANCIAL INC (CLBK) stock?

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 35.1 and the Price/Book (PB) ratio is 1.63.