Columbia Financial Inc.

CLBK | NASDAQ

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$11.51

-$0.09 (-0.78%)

Sep 22, 2026, 11:09 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $2.59B

Enterprise Value $2.72B

Beta 0.24

Average Volume 4.44M

Shares Outstanding (Diluted) 224.28M

Shares Change YoY 0.05%

Institutional Ownership 13.15%

Exchange NASDAQ

ISIN US1979141041

Price Performance

Price Change 1M -1.8%

Price Change 3M 28.8%

Price Change 6M 46.8%

Price Change YTD 65.5%

Price Change 1Y 66.0%

Price Change 3Y 64.5%

Price Change 5Y 39.9%

1M CAGR (ann.) 7.5%

1Y CAGR (ann.) 61.8%

5Y CAGR (ann.) 7.7%

All-Time CAGR 6.2%

Valuation

PE Ratio 44.62

Forward PE 33.40

PEG Ratio 0.05

Forward PEG 1.74

PS Ratio 5.05

Forward PS 4.60

PB Ratio 2.17

P/FCF Ratio 50.43

P/Adj. FCF Ratio 57.10

P/OCF Ratio 33.14

EV/Sales 5.30

EV/EBIT 38.67

EV/EBITDA 34.21

EV/FCF 52.93

Earnings Yield 2.2%

FCF Yield 2.0%

Adj. FCF Yield 1.8%

Financial Health

Net Debt $128.86M

Total Debt $1.22B

Cash & Short-Term Investments $1.09B

Total Assets $12.17B

Current Ratio 435.71

Quick Ratio 435.71

Debt / Equity Ratio 1.02

Debt / EBITDA 15.32

Debt / FCF 23.71

OCF / Debt 0.05

Interest Coverage 0.35

Altman Z-Score 0.31

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 52.2%

Operating Profit Margin 13.7%

EBITDA Margin 15.8%

Net Profit Margin 11.5%

FCF Margin 10.0%

Adj. FCF Margin 8.8%

SBC / Revenue 1.2%

SBC Impact (per share) -11.7%

Returns

Return on Assets 0.5%

Return on Equity 5.0%

Return on Invested Capital 0.4%

Return on Capital Employed 0.5%

Return on Tangible Assets 0.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.6%

Revenue CAGR 5Y 9.8%

Revenue CAGR 10Y N/A

EPS CAGR 3Y -1.3%

EPS CAGR 5Y -6.3%

EPS CAGR 10Y N/A

FCF CAGR 3Y -16.9%

FCF CAGR 5Y -14.4%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 18, 2026

EPS Estimate (next Q) $0.13

EPS Growth Est (next Q) 84.6%

Revenue Est (next Q) $129.93M

Revenue Growth Est (next Q) 93.2%

Fair Value Estimates

Graham Number $5.60

Graham Upside -51.7%

Lynch Fair Value $1.30

Lynch Upside -88.8%

Price Target $14

Price Target Upside 20.7%

Cash Flow

Operating Cash Flow $58.48M

Free Cash Flow $51.4M

Adj. Free Cash Flow $45.39M

FCF Per Share $0.31

OCF Per Share $0.35

OCF/S Ratio 15.5%

Income Statement

Revenue $513.56M

Gross Profit $268.06M

Operating Income $70.35M

EBITDA $79.53M

Net Income $58.15M

EPS (Diluted) $0.26

Revenue / Employee $664.37K

Profit / Employee $75.22K

Employees 773