Columbia Financial, Inc.(CLBK) Stock Research - Grey Stern Research

Columbia Financial, Inc. (CLBK) Stock Analysis

$17.56 (1.27%)

CLBK Financial Performance


Use the table below to view Columbia Financial, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q2 - 2024

Metric Value Ranking among Peers
Price $16.80 -
52 Week Low $13.79 -
52 Week High $20.46 -
Market Cap $1.8 Billion 1/16
Gross Margin 100% 1/16
Profit Margin 4% 14/16
EBITDA margin 0% 4/16
Q2 - 2024 Revenue $122.4 Million 3/16
Q2 - 2024 Earnings $4.5 Million 3/16
Q2 - 2024 Free Cash Flow $0 Million 6/16
Trailing 4 Quarters Revenue $406.5 Million 3/16
Trailing 4 Quarters Earnings $19.1 Million 4/16
Quarterly Earnings Growth 173% 2/16
Annual Earnings Growth -67% 14/16
Quarterly Revenue Growth 142% 4/16
Annual Revenue Growth 58% 3/16
Cash On Hand $391.0 Million 1/16
Short Term Debt $0 7/16
Long Term Debt $1.7 Billion 1/16

Columbia Financial, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Columbia Financial, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 92.19 2/16
PS 4.33 1/16
PB 1.68 1/16
PC 4.50 5/16
Liabilities to Equity 9.28 6/16
ROA 0.00 12/16
ROE 0.02 13/16
Current Ratio 1.11 7/16
Quick Ratio 0.04 4/16
Long Term Debt to Equity 1.61 3/16
Debt to Equity 1.61 4/16
Burn Rate 6.22 4/16
Cash to Cap 0.22 6/16
CCR 0.00 6/16
EV to EBITDA -1.00 6/16
EV to Revenue -1.00 14/16

Company Details

Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.

CEO: Mr. Thomas Kemly

Website: https://www.columbiabankonline.com

Address: 19-01 State Rt 208 Fair Lawn, NEW JERSEY

Exchange: NASDAQ Global Select

Industry: Banks—Regional

Columbia Financial, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Columbia Financial, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
QCR Holdings, Inc. QCRH $1.3 Billion
Sierra Bancorp BSRR $422.4 Million
First Northwest Bancorp FNWB $102.2 Million
First Financial Northwest, Inc. FFNW $208.2 Million
C&F Financial Corporation CFFI $187.2 Million
Citizens Community Bancorp, Inc. CZWI $139.0 Million
Oconee Federal Financial Corp. OFED $71.2 Million
Community West Bancshares CWBC $381.1 Million
First Capital, Inc. FCAP $107.5 Million
FNCB Bancorp, Inc. FNCB $133.6 Million
Home Federal Bancorp, Inc. of Louisiana HFBL $39.1 Million
HMN Financial, Inc. HMNF $114.5 Million
Magyar Bancorp, Inc. MGYR $79.3 Million
Franklin Financial Services Corporation FRAF $141.1 Million
Affinity Bancshares, Inc. AFBI $137.9 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
CLBK Income Statements
Quarter Year Revenue Earnings
Q2 2024 $ 122.4 Million $4.5 Million
Q1 2024 $ 108.6 Million -$1.2 Million
Q4 2023 $ 118.4 Million $6.6 Million
Q3 2023 $ 57.1 Million $9.1 Million
Q2 2023 $ 50.6 Million $1.7 Million
Q1 2023 $ 68.9 Million $18.7 Million
Q4 2022 $ 75.9 Million $21.9 Million
Q3 2022 $ 79.9 Million $20.9 Million

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CLBK Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2024 $391.0 Million $10.8 Billion $1.7 Billion $1.0 Billion
Q1 2024 $373.4 Million $10.6 Billion $0 $1.0 Billion
Q4 2023 $423.2 Million $10.8 Billion $1.5 Billion $1.0 Billion
Q3 2023 $204.5 Million $10.3 Billion $1.4 Billion $1.0 Billion
Q2 2023 $93.5 Million $10.1 Billion $1.1 Billion $1.0 Billion
Q1 2023 $319.4 Million $10.6 Billion $1.7 Billion $1.0 Billion
Q4 2022 $179.2 Million $10.4 Billion $1.1 Billion $1.1 Billion
Q3 2022 $101.9 Million $10.0 Billion $0 $1.0 Billion

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CLBK Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q2 2024 $0 $0 $0
Q1 2024 $0 $0 $0
Q4 2023 -$34.8 Million -$2.3 Million $218.8 Million
Q3 2023 $40.8 Million -$2.5 Million $111.0 Million
Q2 2023 $32.4 Million -$1.1 Million -$226.0 Million
Q1 2023 -$5.3 Million -$1.7 Million $140.2 Million
Q4 2022 $27.6 Million -$2.3 Million $77.2 Million
Q3 2022 $35.0 Million -$2.5 Million -$7.1 Million

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