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COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CLBK - US1976411033 - Common Stock

16.81 USD
-0.15 (-0.88%)
Last: 12/4/2025, 3:26:08 PM
Fundamental Rating

2

CLBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 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.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years CLBK had a positive operating cash flow.
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 (0.14%) than 89.15% of its industry peers.
Looking at the Return On Equity, with a value of 1.30%, CLBK is doing worse than 88.89% of the companies in the same industry.
Industry RankSector Rank
ROA 0.14%
ROE 1.3%
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

CLBK has a worse Profit Margin (6.98%) than 88.11% of its industry peers.
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) 6.98%
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.
Compared to 1 year ago, CLBK has about the same amount of shares outstanding.
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

CLBK has a debt to FCF ratio of 19.79. This is a negative value and a sign of low solvency as CLBK would need 19.79 years to pay back of all of its debts.
CLBK has a Debt to FCF ratio of 19.79. This is amonst the worse of the industry: CLBK underperforms 82.43% of its industry peers.
CLBK has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
CLBK has a worse Debt to Equity ratio (1.11) than 85.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 19.79
Altman-Z N/A
ROIC/WACCN/A
WACC12.41%
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

3. Growth

3.1 Past

CLBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
Looking at the last year, CLBK shows a decrease in Revenue. The Revenue has decreased by -0.52% in the last year.
The Revenue has been decreasing by -2.49% on average over the past years.
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
Revenue 1Y (TTM)-0.52%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%26.75%

3.2 Future

The Earnings Per Share is expected to grow by 109.73% 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 17.22% on average per year.
EPS Next Y516.5%
EPS Next 2Y171.98%
EPS Next 3Y109.73%
EPS Next 5YN/A
Revenue Next Year21.64%
Revenue Next 2Y17.22%
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 2027 0 0.2 0.4 0.6 0.8

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 112.07, which means the current valuation is very expensive for CLBK.
CLBK's Price/Earnings ratio is rather expensive when compared to the industry. CLBK is more expensive than 87.60% of the companies in the same industry.
When comparing the Price/Earnings ratio of CLBK to the average of the S&P500 Index (26.37), we can say CLBK is valued expensively.
A Price/Forward Earnings ratio of 25.95 indicates a quite expensive valuation of CLBK.
CLBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CLBK is more expensive than 79.59% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CLBK to the average of the S&P500 Index (36.20), we can say CLBK is valued slightly cheaper.
Industry RankSector Rank
PE 112.07
Fwd PE 25.95
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

CLBK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CLBK is more expensive than 75.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.47
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 109.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y171.98%
EPS Next 3Y109.73%

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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 (12/4/2025, 3:26:08 PM)

16.81

-0.15 (-0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners13.12%
Inst Owner Change0.41%
Ins Owners1.94%
Ins Owner Change0%
Market Cap1.75B
Revenue(TTM)212.64M
Net Income(TTM)14.85M
Analysts82.5
Price Target17.34 (3.15%)
Short Float %6.02%
Short Ratio12.07
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)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)1.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)2.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 112.07
Fwd PE 25.95
P/S 8.25
P/FCF 27.47
P/OCF 24.05
P/B 1.54
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)0.15
EY0.89%
EPS(NY)0.65
Fwd EY3.85%
FCF(TTM)0.61
FCFY3.64%
OCF(TTM)0.7
OCFY4.16%
SpS2.04
BVpS10.94
TBVpS9.78
PEG (NY)0.22
PEG (5Y)N/A
Graham Number6.08
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)0.35%
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
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 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 1.11
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-Score6
WACC12.41%
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)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
EPS Next Y516.5%
EPS Next 2Y171.98%
EPS Next 3Y109.73%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.52%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%26.75%
Revenue Next Year21.64%
Revenue Next 2Y17.22%
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-33.23%
FCF growth 3Y-34.76%
FCF growth 5Y59.58%
OCF growth 1Y-29.34%
OCF growth 3Y-30.37%
OCF growth 5Y8.86%

COLUMBIA FINANCIAL INC / CLBK FAQ

What is the fundamental rating for CLBK stock?

ChartMill assigns a fundamental rating of 2 / 10 to CLBK.


What is the valuation status of COLUMBIA FINANCIAL INC (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 valuation of COLUMBIA FINANCIAL INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for COLUMBIA FINANCIAL INC (CLBK) is 112.07 and the Price/Book (PB) ratio is 1.54.


Can you provide the expected EPS growth for CLBK stock?

The Earnings per Share (EPS) of COLUMBIA FINANCIAL INC (CLBK) is expected to grow by 516.5% in the next year.