Logo image of CLBK

COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

NASDAQ:CLBK - Nasdaq - US1976411033 - Common Stock - Currency: USD

15.29  +0.33 (+2.21%)

After market: 15.29 0 (0%)

Fundamental Rating

2

Taking everything into account, CLBK scores 2 out of 10 in our fundamental rating. CLBK was compared to 397 industry peers in the Banks industry. CLBK may be in some trouble as it scores bad on both profitability and health. CLBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

CLBK had negative 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.
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

The Return On Assets of CLBK (-0.11%) is worse than 90.93% of its industry peers.
CLBK has a worse Return On Equity (-1.08%) than 91.69% of its industry peers.
Industry RankSector Rank
ROA -0.11%
ROE -1.08%
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

The Profit Margin and Operating Margin and Gross Margin are not available for CLBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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

More info and screens

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
CLBK has a worse debt/assets ratio than last year.
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 41.76, which is on the high side as it means it would take CLBK, 41.76 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 41.76, CLBK is not doing good in the industry: 85.39% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.00 is on the high side and indicates that CLBK has dependencies on debt financing.
The Debt to Equity ratio of CLBK (1.00) is worse than 85.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 1
Debt/FCF 41.76
Altman-Z N/A
ROIC/WACCN/A
WACC12.83%
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

More info and screens

3

3. Growth

3.1 Past

CLBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -112.50%.
CLBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -22.88%.
CLBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.49% yearly.
EPS 1Y (TTM)-112.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
Revenue 1Y (TTM)-22.88%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%39.34%

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 157.54% on average per year.
The Revenue is expected to grow by 15.91% on average over the next years. This is quite good.
EPS Next Y465.5%
EPS Next 2Y157.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.56%
Revenue Next 2Y15.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLBK. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 27.50, the valuation of CLBK can be described as expensive.
80.10% 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 20.74. CLBK is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 27.5
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -200 -400 -600

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CLBK is valued more expensive than 85.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 62.01
EV/EBITDA N/A
CLBK Per share dataCLBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 157.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y157.54%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

CLBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

COLUMBIA FINANCIAL INC

NASDAQ:CLBK (5/5/2025, 8:01:27 PM)

After market: 15.29 0 (0%)

15.29

+0.33 (+2.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners13.12%
Inst Owner Change-0.75%
Ins Owners1.76%
Ins Owner Change-0.02%
Market Cap1.60B
Analysts82.5
Price Target18.36 (20.08%)
Short Float %7.03%
Short Ratio12.32
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)0
Avg EPS beat(2)-72.09%
Min EPS beat(2)-142.21%
Max EPS beat(2)-1.96%
EPS beat(4)1
Avg EPS beat(4)-62.93%
Min EPS beat(4)-142.21%
Max EPS beat(4)12.04%
EPS beat(8)2
Avg EPS beat(8)-41.71%
EPS beat(12)3
Avg EPS beat(12)-29.24%
EPS beat(16)6
Avg EPS beat(16)-18.38%
Revenue beat(2)0
Avg Revenue beat(2)-2.29%
Min Revenue beat(2)-3.21%
Max Revenue beat(2)-1.37%
Revenue beat(4)0
Avg Revenue beat(4)-2.42%
Min Revenue beat(4)-3.77%
Max Revenue beat(4)-1.33%
Revenue beat(8)1
Avg Revenue beat(8)-2.59%
Revenue beat(12)5
Avg Revenue beat(12)1.01%
Revenue beat(16)9
Avg Revenue beat(16)4.34%
PT rev (1m)0%
PT rev (3m)-7.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.27%
Revenue NQ rev (1m)-0.99%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 27.5
P/S 8.92
P/FCF 62.01
P/OCF 48.15
P/B 1.49
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)-0.02
EYN/A
EPS(NY)0.56
Fwd EY3.64%
FCF(TTM)0.25
FCFY1.61%
OCF(TTM)0.32
OCFY2.08%
SpS1.71
BVpS10.3
TBVpS9.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.11%
ROE -1.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 14.38%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1
Debt/FCF 41.76
Debt/EBITDA N/A
Cap/Depr 71.51%
Cap/Sales 4.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.83%
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)-112.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
EPS Next Y465.5%
EPS Next 2Y157.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.88%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%39.34%
Revenue Next Year19.56%
Revenue Next 2Y15.91%
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-21.78%
FCF growth 3Y-34.76%
FCF growth 5Y59.58%
OCF growth 1Y-18.16%
OCF growth 3Y-30.37%
OCF growth 5Y8.86%