Columbia Financial, Inc. (CLBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 252 | 272 | 297 | 233 | 180 | 272 | 335 | - |
| Operating profit | $m | 60 | 60 | ||||||
| Net profit | $m | 58 | 92 | 86 | 36 | -12 | 52 | 58 | 62 |
| EPS reported | $ | 0.23 | 0.26 | ||||||
| Operating cashflow per share | $ | 0.31 | 0.35 | ||||||
| Capex per share | $ | 0.04 | 0.04 | ||||||
| FCF per share | $ | 0.26 | 0.31 | ||||||
| Free cash flow | $m | 59 | 69 | ||||||
| Net debt | $m | 831 | 129 | ||||||
| Book value equity | $m | 1,161 | 1,196 | ||||||
| Book value per share | $ | 5.20 | 5.36 | ||||||
| Number of shares | m | 223.14 | 223.2 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.05 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 92.10 | ||||||
| P/B LTM | x | 1.36 | 1.32 | ||||||
| P/S LTM | x | 5.79 | 4.70 | ||||||
| P/FCF LTM | x | 26.90 | 22.91 | ||||||
| EV/EBITDA LTM | x | 35.11 | 30.41 | ||||||
| EV/Sales LTM | x | 4.77 | 5.44 | ||||||
| Earnings Yield LTM | % | +3.29% | +1.09% | ||||||
| FCF Yield | % | +3.72% | +4.36% | ||||||
| Quality | |||||||||
| ROE | % | +4.46% | +4.98% | ||||||
| ROIC | % | +0.86% | +0.40% | ||||||
| Operating margin | % | +11.86% | +11.80% | ||||||
| Gross margin | % | +50.25% | +52.18% | ||||||
| FCF/Sales | % | +11.54% | +13.63% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +51.24% | +86.30% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +126.32% | +165.70% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | +0.43% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.05 | 0.06 | ||||||
| Net Debt/EBITDA | x | 12.24 | 1.62 | ||||||
| EBIT/Net interest | x | 0.26 | 0.35 | ||||||
| Net debt/market cap | % | +74.37% | +46.61% | ||||||
| Net debt/Equity | x | 0.72 | 0.11 | ||||||
| Gross debt/equity | x | 1.02 | 1.02 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Columbia Financial, Inc. (CLBK)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.
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