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COLUMBIA FINANCIAL INC (CLBK) Stock Fundamental Analysis

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

15.83  +0.12 (+0.76%)

After market: 15.83 0 (0%)

Fundamental Rating

2

Taking everything into account, CLBK scores 2 out of 10 in our fundamental rating. CLBK was compared to 402 industry peers in the Banks industry. CLBK has a bad profitability rating. Also its financial health evaluation is rather negative. CLBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CLBK has reported negative net income.
CLBK had a negative operating cash flow in the past year.
Of the past 5 years CLBK 4 years were profitable.
Of the past 5 years CLBK 4 years 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 Return On Assets of 0.15%. This is amonst the worse of the industry: CLBK underperforms 87.62% of its industry peers.
CLBK has a worse Return On Equity (1.50%) than 87.38% of its industry peers.
Industry RankSector Rank
ROA 0.15%
ROE 1.5%
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's Profit Margin of 7.55% is on the low side compared to the rest of the industry. CLBK is outperformed by 85.15% 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) 7.55%
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.
The number of shares outstanding for CLBK remains at a similar level compared to 1 year ago.
The number of shares outstanding for CLBK has been reduced compared to 5 years ago.
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/Equity ratio of 1.32. This is a high value indicating a heavy dependency on external financing.
CLBK has a worse Debt to Equity ratio (1.32) than 87.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.94%
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 strong negative growth in Earnings Per Share. In the last year the EPS decreased by -134.29%.
Looking at the last year, CLBK shows a very negative growth in Revenue. The Revenue has decreased by -22.88% in the last year.
Measured over the past years, CLBK shows a decrease in Revenue. The Revenue has been decreasing by -2.49% on average per year.
EPS 1Y (TTM)-134.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-450%
Revenue 1Y (TTM)-22.88%
Revenue growth 3Y-12.87%
Revenue growth 5Y-2.49%
Sales Q2Q%2.4%

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 14.10% 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 Year19.06%
Revenue Next 2Y14.1%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 negative for CLBK. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 36.09, the valuation of CLBK can be described as expensive.
Based on the Price/Forward Earnings ratio, CLBK is valued a bit more expensive than the industry average as 79.21% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, CLBK is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 36.09
CLBK Price Earnings VS Forward Price EarningsCLBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
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

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 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

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0

5. Dividend

5.1 Amount

No dividends for CLBK!.
Industry RankSector Rank
Dividend Yield N/A

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COLUMBIA FINANCIAL INC

NASDAQ:CLBK (3/7/2025, 8:15:04 PM)

After market: 15.83 0 (0%)

15.83

+0.12 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners13.12%
Inst Owner Change2.71%
Ins Owners1.76%
Ins Owner Change-0.02%
Market Cap1.66B
Analysts82.5
Price Target18.36 (15.98%)
Short Float %7.44%
Short Ratio19.73
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)1
Avg EPS beat(2)5.04%
Min EPS beat(2)-1.96%
Max EPS beat(2)12.04%
EPS beat(4)1
Avg EPS beat(4)-31.37%
Min EPS beat(4)-119.61%
Max EPS beat(4)12.04%
EPS beat(8)3
Avg EPS beat(8)-23.88%
EPS beat(12)4
Avg EPS beat(12)-16.33%
EPS beat(16)7
Avg EPS beat(16)-7.71%
Revenue beat(2)0
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-3.21%
Max Revenue beat(2)-1.33%
Revenue beat(4)0
Avg Revenue beat(4)-3.13%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.33%
Revenue beat(8)2
Avg Revenue beat(8)-1.65%
Revenue beat(12)6
Avg Revenue beat(12)2.03%
Revenue beat(16)10
Avg Revenue beat(16)5.26%
PT rev (1m)-7.69%
PT rev (3m)-2.7%
EPS NQ rev (1m)-221.43%
EPS NQ rev (3m)-221.43%
EPS NY rev (1m)-2.27%
EPS NY rev (3m)19.44%
Revenue NQ rev (1m)0.54%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.12%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 36.09
P/S 7.76
P/FCF N/A
P/OCF N/A
P/B 1.54
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)-0.12
EYN/A
EPS(NY)0.44
Fwd EY2.77%
FCF(TTM)-0.35
FCFYN/A
OCF(TTM)-0.27
OCFYN/A
SpS2.04
BVpS10.3
TBVpS9.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.15%
ROE 1.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.55%
GM N/A
FCFM 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
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-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 79.23%
Cap/Sales 3.82%
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-Score3
WACC9.94%
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)-134.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-450%
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%2.4%
Revenue Next Year19.06%
Revenue Next 2Y14.1%
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-137.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-127.19%
OCF growth 3YN/A
OCF growth 5YN/A