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Columbia Financial, Inc. CLBK

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11.10 USD +0.04 (+0.36%)

Nov 4, 2026, 3:17 PM EST

11.00 Day range 11.34
6.56 52-week range 12.00
YTD
+57.22%
1 year
+63.24%

Financial health

Altman Z-Score

-0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 4

Valuation

P/E 30.5×
FY 2016: 55.2×FY 2017: 57.2×FY 2018: 76.5×FY 2019: 34.6×FY 2020: 29.9×FY 2021: 23.7×FY 2022: 26.4×FY 2023: 55.1×FY 2024: -144×FY 2025: 30.5×
FY 2016 5y median 26.4× FY 2025
P/S 3.1×
FY 2016: 9.5×FY 2017: 8.9×FY 2018: 6.9×FY 2019: 6.4×FY 2020: 5.2×FY 2021: 7.0×FY 2022: 6.7×FY 2023: 4.7×FY 2024: 3.5×FY 2025: 3.1×
FY 2016 5y median 4.7× FY 2025
P/B 1.4×
FY 2016: 4.1×FY 2017: 3.8×FY 2018: 1.8×FY 2019: 1.9×FY 2020: 1.7×FY 2021: 2.0×FY 2022: 2.2×FY 2023: 1.9×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 1.9× FY 2025
P/FCF 26.9×
FY 2016: 32.3×FY 2017: 60.6×FY 2018: 39.3×FY 2019: 759×FY 2020: 38.4×FY 2021: 23.3×FY 2022: 16.9×FY 2023: 59.8×FY 2024: 62.2×FY 2025: 26.9×
FY 2016 5y median 26.9× FY 2025
EV/EBITDA 32.2×
FY 2016: 45.7×FY 2017: 52.5×FY 2018: 76.2×FY 2019: 42.2×FY 2020: 24.1×FY 2021: 18.0×FY 2022: 24.8×FY 2023: 51.1×FY 2024: -1774×FY 2025: 32.2×
FY 2016 5y median 24.8× FY 2025
EV/Sales 4.8×
FY 2016: 12.9×FY 2017: 13.2×FY 2018: 11.5×FY 2019: 11.0×FY 2020: 6.4×FY 2021: 8.0×FY 2022: 9.5×FY 2023: 7.3×FY 2024: 5.3×FY 2025: 4.8×
FY 2016 5y median 7.3× FY 2025
FCF Yield 3.7%
FY 2016: 3.1%FY 2017: 1.6%FY 2018: 2.5%FY 2019: 0.1%FY 2020: 2.6%FY 2021: 4.3%FY 2022: 5.9%FY 2023: 1.7%FY 2024: 1.6%FY 2025: 3.7%
FY 2016 5y median 3.7% FY 2025

Profitability

Gross Margin 50.3%
FY 2016: 76.5%FY 2017: 74.9%FY 2018: 72.5%FY 2019: 68.4%FY 2020: 71.9%FY 2021: 91.2%FY 2022: 85.8%FY 2023: 54.1%FY 2024: 36.5%FY 2025: 50.3%
FY 2016 5y median 54.1% FY 2025
Operating Margin 11.9%
FY 2016: 26.5%FY 2017: 23.4%FY 2018: 13.6%FY 2019: 24.3%FY 2020: 23.4%FY 2021: 40.8%FY 2022: 34.4%FY 2023: 10.9%FY 2024: -3.5%FY 2025: 11.9%
FY 2016 5y median 11.9% FY 2025
Net Margin 10.2%
FY 2016: 17.6%FY 2017: 15.5%FY 2018: 9.2%FY 2019: 18.7%FY 2020: 17.7%FY 2021: 29.8%FY 2022: 25.3%FY 2023: 8.5%FY 2024: -2.6%FY 2025: 10.2%
FY 2016 5y median 10.2% FY 2025
ROE 4.5%
FY 2016: 7.5%FY 2017: 6.6%FY 2018: 2.3%FY 2019: 5.6%FY 2020: 5.7%FY 2021: 8.5%FY 2022: 8.2%FY 2023: 3.5%FY 2024: -1.1%FY 2025: 4.5%
FY 2016 5y median 4.5% FY 2025
ROIC 0.9%
FY 2016: 2.9%FY 2017: 2.2%FY 2018: 1.0%FY 2019: 2.3%FY 2020: 3.1%FY 2021: 6.2%FY 2022: 3.9%FY 2023: 1.3%FY 2024: -0.5%FY 2025: 0.9%
FY 2016 5y median 1.3% FY 2025
ROA 0.5%
FY 2016: 0.7%FY 2017: 0.5%FY 2018: 0.3%FY 2019: 0.7%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 0.8%FY 2023: 0.3%FY 2024: -0.1%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 11.9%
FY 2016: 0.0%FY 2017: 7.1%FY 2018: 22.7%FY 2019: 18.4%FY 2020: 11.7%FY 2021: -5.3%FY 2022: 10.1%FY 2023: 24.2%FY 2024: 7.3%FY 2025: 11.9%
FY 2016 FY 2025
Operating Income 478.1%
FY 2016: 0.0%FY 2017: -5.4%FY 2018: -28.5%FY 2019: 111.2%FY 2020: 7.3%FY 2021: 65.5%FY 2022: -7.4%FY 2023: -60.6%FY 2024: -134.5%FY 2025: 478.1%
FY 2016 FY 2025
EPS (diluted) 563.6%
FY 2016: 0.0%FY 2017: -3.6%FY 2018: -25.9%FY 2019: 145.0%FY 2020: 6.1%FY 2021: 69.2%FY 2022: -8.0%FY 2023: -56.8%FY 2024: -131.4%FY 2025: 563.6%
FY 2016 FY 2025
Free Cash Flow 126.3%
FY 2016: 0.0%FY 2017: -46.7%FY 2018: 46.8%FY 2019: -94.3%FY 2020: 1691.1%FY 2021: 109.8%FY 2022: 44.8%FY 2023: -75.5%FY 2024: -21.8%FY 2025: 126.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.0×
FY 2016: 1.6×FY 2017: 2.0×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 0.8×FY 2021: 0.3×FY 2022: 1.1×FY 2023: 1.5×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 11.2×
FY 2016: 12.0×FY 2017: 17.1×FY 2018: 30.7×FY 2019: 17.5×FY 2020: 4.3×FY 2021: 2.2×FY 2022: 7.3×FY 2023: 18.3×FY 2024: -585×FY 2025: 11.2×
FY 2016 5y median 7.3× FY 2025
Interest Coverage 0.3×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 0.6×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 3.4×FY 2022: 2.7×FY 2023: 0.2×FY 2024: -0.1×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31