Saturday 17 October 2026
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Columbia Financial
CLBK Financial Banks Regional
Columbia Financial’s revenue for fiscal 2025 (year ended December 2025) was $508.0 million, up 12.1% from fiscal 2024. In the quarter to June 2026, revenue grew 5.07%, EPS grew 162.2%, free cash flow grew 34.3% and total debt fell 4.25%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
10.67
0.15
−1.39%
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| Sep '17 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | 5 | 5 | 7 | 5 | 6 | 5 | 7 |
P/E ratio |
28.04 | 28.04 | 152.90 | 34.58 | 29.35 | 23.43 | 26.13 | 55.44 | 0.00 | 30.46 |
P/S ratio |
0.00 | 0.00 | 6.87 | 6.43 | 5.22 | 7.03 | 6.73 | 4.72 | 3.55 | 3.11 |
P/FCF ratio |
0.00 | 0.00 | 39.31 | 758.89 | 38.43 | 22.84 | 16.75 | 60.21 | 59.36 | 27.00 |
P/Operating CF |
0.00 | 0.00 | 171.04 | (236.56) | 41.73 | 69.57 | 76.48 | (61.34) | 55.65 | 64.86 |
P/B ratio |
0.00 | 0.00 | 1.75 | 1.92 | 1.69 | 2.01 | 2.17 | 1.91 | 1.49 | 1.36 |
Price to Tangible BV |
0.00 | 0.00 | 1.76 | 2.06 | 1.85 | 2.20 | 2.47 | 2.17 | 1.68 | 1.52 |
EV/Sales |
(0.21) | (0.21) | 11.49 | 10.98 | 6.37 | 8.02 | 9.52 | 7.33 | 5.29 | 4.77 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
26.21 | 26.21 | 50.36 | 147.25 | 42.48 | 25.11 | 22.78 | 76.07 | 72.02 | 35.44 |
EV/FCF |
12.16 | 12.16 | 65.78 | 1,295.78 | 46.91 | 26.07 | 23.68 | 93.63 | 88.57 | 41.39 |
Quick Ratio |
— | 0.02 | 0.01 | 0.01 | 0.06 | 0.01 | 0.02 | 0.05 | 0.04 | 0.04 |
Current Ratio |
— | 1.03 | 1.11 | 1.08 | 0.94 | 0.83 | 0.96 | 1.03 | 0.99 | 1.00 |
Net Debt/EBITDA |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 16.11% | 17.77% | 17.18% | 9.09% | 4.09% | 10.83% | 14.36% | 10.32% | 10.74% |
Debt/Equity |
— | 1.97 | 1.22 | 1.43 | 0.79 | 0.35 | 1.07 | 1.47 | 1.00 | 1.02 |
Asset Turnover |
0.00 | 0.07 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.05 |
Operating CF/Net income |
1.16 | 1.16 | 2.49 | 0.40 | 0.85 | 1.07 | 1.65 | 1.13 | (2.86) | 1.32 |
Capex/Depreciation |
(1.09) | (1.09) | (1.70) | (2.63) | (0.41) | (0.20) | (0.24) | (0.36) | (0.34) | (0.56) |
| 0.00% | 6.81% | 3.15% | 5.60% | 5.78% | 8.81% | 8.08% | 3.45% | (1.10%) | 4.62% | |
| 0.00% | 1.08% | 0.36% | 0.74% | 0.68% | 1.02% | 0.88% | 0.34% | (0.11%) | 0.48% | |
ROIC |
0.00% | 2.20% | 0.99% | 1.99% | 3.52% | 5.73% | 3.74% | 1.36% | (0.48%) | 2.13% |
Return on Tangible Assets |
0.00% | 16.82% | 4.21% | 10.08% | (18.25%) | (7.33%) | (33.10%) | 10.85% | 1,629.79% | 84.46% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
54.55% | 54.55% | 61.32% | 44.47% | 53.41% | 46.92% | 52.19% | 44.18% | 42.82% | 37.50% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 1.26% | 2.69% | 2.87% | 2.19% | 1.89% | 1.43% | 0.93% |
Graham Net Nets |
0.00 | 0.00 | (0.43) | (0.52) | (0.72) | (0.80) | (0.66) | (0.66) | (0.75) | (0.79) |
Graham Number |
0.00 | 0.00 | 0.00 | 4.49 | 4.76 | 6.55 | 6.21 | 4.06 | 0.00 | 5.20 |
Earnings Yield |
3.57% | 3.57% | 0.65% | 2.89% | 3.41% | 4.27% | 3.83% | 1.80% | (0.76%) | 3.28% |
Free Cash Flow Yield |
0.00% | 0.00% | 2.54% | 0.13% | 2.60% | 4.38% | 5.97% | 1.66% | 1.68% | 3.70% |
Revenue per Share |
0.00 | 1.74 | 1.01 | 1.20 | 1.35 | 1.35 | 1.46 | 1.87 | 2.03 | 2.27 |
Operating CF per Share |
0.00 | 0.31 | 0.23 | 0.09 | 0.20 | 0.43 | 0.61 | 0.18 | 0.15 | 0.31 |
Capex per Share |
0.00 | (0.06) | (0.05) | (0.08) | (0.02) | (0.02) | (0.02) | (0.03) | (0.03) | (0.04) |
Free Cash Flow per Share |
0.00 | 0.25 | 0.18 | 0.01 | 0.18 | 0.42 | 0.59 | 0.15 | 0.12 | 0.26 |
Cash per Share |
— | 0.57 | 0.17 | 0.31 | 1.75 | 0.31 | 0.77 | 1.87 | 1.29 | 1.52 |
Shareholders Equity per Share |
— | 4.07 | 3.97 | 4.02 | 4.19 | 4.71 | 4.54 | 4.61 | 4.83 | 5.18 |
Interest Debt per Share |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
— | 4.07 | 3.97 | 4.02 | 4.19 | 4.71 | 4.54 | 4.61 | 4.83 | 5.18 |
Free Cash Flow |
29.53 | 29.53 | 43.33 | 2.48 | 44.42 | 95.09 | 136.73 | 33.08 | 27.09 | 58.56 |
Working Capital |
— | 142.07 | 487.67 | 469.85 | (391.66) | (1,334.06) | (344.18) | 249.01 | (82.49) | (21.70) |
Capital Expenditures |
(6.51) | (6.51) | (13.26) | (19.34) | (4.62) | (3.61) | (5.43) | (7.63) | (6.23) | (9.84) |
Net Current Asset Value |
— | (812.55) | (733.54) | (972.68) | (1,223.60) | (1,747.84) | (1,516.69) | (1,323.20) | (1,208.54) | (1,250.96) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.03 | 0.05 | 0.07 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 |
Price to Operating Income |
0.00 | 0.00 | 50.60 | 25.49 | 21.83 | 17.10 | 19.14 | 42.69 | 0.00 | 23.19 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.14 | 0.15 | 0.10 | 0.15 | 0.23 | 0.26 | 0.26 | 0.22 | 0.21 |
Cash ROIC |
0.00% | 2.01% | 1.97% | 0.10% | 1.99% | 6.23% | 5.79% | 1.11% | 1.11% | 2.18% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 35,011.25 | 25,878.05 | 23,229.47 | 33,372.87 | 74,646.88 | 68,086.24 | 15,145.23 | 10,806.95 | 12,362.13 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | 4,338.59 | 4,338.59 | 5,029.86 | 6,212.23 | 7,174.42 | 7,785.69 | 7,923.86 | 7,971.35 | 8,270.11 |
Average Assets |
0.00 | 2,883.25 | 6,229.06 | 7,440.16 | 8,493.62 | 9,011.32 | 9,816.13 | 10,526.87 | 10,560.53 | 10,747.14 |
Average Common Equity |
— | 456.04 | 722.07 | 977.29 | 996.90 | 1,045.18 | 1,066.34 | 1,046.97 | 1,060.36 | 1,120.55 |
Columns are period end dates · fundamentals updated 9 Oct 2026