Columbia Financial, Inc. Fundamental Analysis (NASDAQ: CLBK)
Columbia Financial, Inc. Fundamental Analysis (NASDAQ: CLBK)
Columbia Financial, Inc. (NASDAQ: CLBK) shows moderate financial fundamentals with a PE ratio of 43.36, profit margin of 11.00%, and ROE of 4.87%. The company generates $0.5B in annual revenue with strong year-over-year growth of 11.94%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 44.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CLBK's fundamental strength across five key dimensions:
Efficiency Score
WeakCLBK struggles to generate sufficient returns from assets.
Valuation Score
ModerateCLBK shows balanced valuation metrics.
Growth Score
ModerateCLBK shows steady but slowing expansion.
Financial Health Score
ModerateCLBK shows balanced financial health with some risks.
Profitability Score
WeakCLBK struggles to sustain strong margins.
Key Financial Metrics
Is CLBK Expensive or Cheap?
P/E Ratio
CLBK trades at 43.36 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, CLBK's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Columbia Financial, Inc. at 2.06 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 18.29 times EBITDA. This signals the market has high growth expectations.
How Well Does CLBK Make Money?
Net Profit Margin
For every $100 in sales, Columbia Financial, Inc. keeps $11.00 as profit after all expenses.
Operating Margin
Core operations generate 13.14 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.87 in profit for every $100 of shareholder equity.
ROA
Columbia Financial, Inc. generates $0.51 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Columbia Financial, Inc. produces operating cash flow of $73.40M, showing steady but balanced cash generation.
Free Cash Flow
Columbia Financial, Inc. generates strong free cash flow of $64.57M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.29 in free cash annually.
FCF Yield
CLBK converts 2.65% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
43.36
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.06
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.06
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2312.41
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How CLBK Stacks Against Its Sector Peers
| Metric | CLBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 43.36 | 21.04 | Worse (Expensive) |
| ROE | 4.87% | 654.00% | Weak |
| Net Margin | 11.00% | -611.00% (disorted) | Strong |
| Debt/Equity | 1.06 | 0.87 | Weak (High Leverage) |
| Current Ratio | 2312.41 | 877.76 | Strong Liquidity |
| ROA | 0.51% | 6601.00% | Weak |
CLBK outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Columbia Financial, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
68.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-2.75%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
50.91%
Industry Style: Value, Dividend, Cyclical
High Growth