Columbia Financial, Inc.

$ 20.03 0.96 %

Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.

CEO: Thomas J. Kemly - https://www.columbiabankonline.com

Price objectif

$17 -15.13 %

Recommandation

Hold

DCF

$ 6.84

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CLBK vs S&P500

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Quick ratio

2 312.41

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

36.42

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

0.55

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

4.87 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

0.64 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.06

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.06

means it relies more on debt, which can increase financial risk.

Free cash flow per share

0.64

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
8 indicates good financial health
Altman score
1.24 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
75.23 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.11 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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