Columbia Financial, Inc. (CLBK)

Columbia Financial Statistics

Total Valuation

CLBK has a market cap or net worth of $1.54 billion. The enterprise value is $2.57 billion.

Market Cap	1.54B
Enterprise Value	2.57B

Important Dates

The last earnings date was Monday, October 20, 2025, after market close.

Earnings Date	Oct 20, 2025
Ex-Dividend Date	n/a

Share Statistics

CLBK has 104.74 million shares outstanding. The number of shares has increased by 0.12% in one year.

Current Share Class	104.74M
Shares Outstanding	104.74M
Shares Change (YoY)	+0.12%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	1.60%
Owned by Institutions (%)	12.93%
Float	27.05M

Valuation Ratios

The trailing PE ratio is 101.12 and the forward PE ratio is 23.77.

PE Ratio	101.12
Forward PE	23.77
PS Ratio	7.43
Forward PS	6.36
PB Ratio	1.35
P/TBV Ratio	1.51
P/FCF Ratio	24.19
P/OCF Ratio	21.17
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	173.34
EV / Sales	12.74
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	40.32

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	20.28
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.34%.

Return on Equity (ROE)	1.34%
Return on Assets (ROA)	0.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$267,570
Profits Per Employee	$19,669
Employee Count	755
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CLBK has paid $6.73 million in taxes.

Income Tax	6.73M
Effective Tax Rate	31.19%

Stock Price Statistics

The stock price has decreased by -18.20% in the last 52 weeks. The beta is 0.25, so CLBK's price volatility has been lower than the market average.

Beta (5Y)	0.25
52-Week Price Change	-18.20%
50-Day Moving Average	15.00
200-Day Moving Average	14.81
Relative Strength Index (RSI)	45.79
Average Volume (20 Days)	118,810

Short Selling Information

The latest short interest is 1.59 million, so 1.52% of the outstanding shares have been sold short.

Short Interest	1.59M
Short Previous Month	1.71M
Short % of Shares Out	1.52%
Short % of Float	5.89%
Short Ratio (days to cover)	11.44

Income Statement

In the last 12 months, CLBK had revenue of $202.02 million and earned $14.85 million in profits. Earnings per share was $0.15.

Revenue	202.02M
Gross Profit	202.02M
Operating Income	33.19M
Pretax Income	21.58M
Net Income	14.85M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.15

Balance Sheet

The company has $264.58 million in cash and $1.29 billion in debt, giving a net cash position of -$1.03 billion or -$9.84 per share.

Cash & Cash Equivalents	264.58M
Total Debt	1.29B
Net Cash	-1.03B
Net Cash Per Share	-$9.84
Equity (Book Value)	1.14B
Book Value Per Share	10.89
Working Capital	-8.08B

Cash Flow

In the last 12 months, operating cash flow was $72.92 million and capital expenditures -$9.08 million, giving a free cash flow of $63.84 million.

Operating Cash Flow	72.92M
Capital Expenditures	-9.08M
Free Cash Flow	63.84M
FCF Per Share	$0.61

Margins

Gross Margin	n/a
Operating Margin	16.43%
Pretax Margin	10.68%
Profit Margin	7.35%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.60%

Dividends & Yields

CLBK does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.12%
Shareholder Yield	-0.12%
Earnings Yield	0.96%
FCF Yield	4.13%

Analyst Forecast

The average price target for CLBK is $16.00, which is 8.55% higher than the current price. The consensus rating is "Hold".

Price Target	$16.00
Price Target Difference	8.55%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4