Financials Columbia Financial, Inc.

Equities

CLBK

US1976411033

Banks

Market Closed - Nasdaq 04:30:00 2024-05-03 pm EDT 5-day change 1st Jan Change
15.73 USD +3.97% Intraday chart for Columbia Financial, Inc. -6.76% -18.41%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,842 1,717 2,271 2,369 2,025 1,650 -
Enterprise Value (EV) 1 1,842 1,717 2,271 2,369 2,025 1,650 1,650
P/E ratio 34.6 x 29.9 x 23.7 x 26.7 x 55.1 x 137 x 57.2 x
Yield - - - - - - -
Capitalization / Revenue 10.7 x 7.75 x 9.74 x 8.88 x 9.84 x 9.46 x 8.45 x
EV / Revenue 10.7 x 7.75 x 9.74 x 8.88 x 9.84 x 9.46 x 8.45 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.71 x 2.08 x 2.24 x 1.94 x 1.58 x 1.54 x
Nbr of stocks (in thousands) 108,763 110,336 108,889 109,575 105,049 104,922 -
Reference price 2 16.94 15.56 20.86 21.62 19.28 15.73 15.73
Announcement Date 1/30/20 1/27/21 1/25/22 1/25/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 172.4 221.6 233.1 266.8 205.9 174.4 195.2
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 71.08 76.26 126.2 116.9 46.05 16.7 38.25
Net income 1 54.72 57.6 92.05 86.17 36.09 11.75 27.9
Net margin 31.74% 26% 39.48% 32.3% 17.53% 6.74% 14.29%
EPS 2 0.4900 0.5200 0.8800 0.8100 0.3500 0.1150 0.2750
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 1/30/20 1/27/21 1/25/22 1/25/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 57.35 60.96 62.73 66.51 69.15 68.39 60.86 51.15 57.12 45.34 42.2 43.2 44.25 44.85 45.55
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - - - - - - - - 14.21 - 3.994 - - - -
Operating Margin - - - - - - - - 24.88% - 9.46% - - - -
Earnings before Tax (EBT) 1 28.69 31.95 27.56 30.92 27.96 30.44 24.86 1.921 11.84 7.434 -1.284 4.95 6.5 6.75 7.05
Net income 1 20.98 23.33 20.4 22.96 20.92 21.89 18.72 1.664 9.13 6.569 -1.155 3.6 4.65 4.9 5.15
Net margin 36.58% 38.28% 32.53% 34.52% 30.25% 32.01% 30.76% 3.25% 15.98% 14.49% -2.74% 8.33% 10.51% 10.93% 11.31%
EPS 2 0.2000 0.2300 0.2000 0.2200 0.1900 0.2100 0.1800 0.0200 0.0900 0.0600 -0.0100 0.0350 0.0450 0.0450 0.0500
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 10/27/21 1/25/22 4/27/22 7/27/22 10/26/22 1/25/23 4/26/23 7/26/23 10/25/23 1/25/24 4/30/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 5.67% 8.98% 8.09% 3.29% 1.13% 2.64%
ROA (Net income/ Total Assets) - 0.66% 1.01% 0.88% 0.35% 0.11% 0.25%
Assets 1 - 8,728 9,114 9,792 10,310 11,190 11,160
Book Value Per Share 2 - 9.120 10.00 9.670 9.920 9.990 10.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/30/20 1/27/21 1/25/22 1/25/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
15.73 USD
Average target price
17.5 USD
Spread / Average Target
+11.25%
Consensus
  1. Stock Market
  2. Equities
  3. CLBK Stock
  4. Financials Columbia Financial, Inc.