Columbia Financial, Inc. (CLBK) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
42.53
↑+32% vs avg
5yr avg: 32.31
30Y Low18.0·High76.2
P/FCF
↑
35.62
-6% vs avg
5yr avg: 37.89
30Y Low17.0·High62.2
P/B Ratio
↓
1.75
-2% vs avg
5yr avg: 1.79
30Y Low1.4·High2.2
ROE
↓
4.6%
-3% vs avg
5yr avg: 4.8%
30Y Low-1%·High9%
Debt/EBITDA
↑
17.19
↑+27% vs avg
5yr avg: 13.48
30Y Low2.7·High31.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CLBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Columbia Financial, Inc. trades at 39.3x earnings, 16% above its 5-year average of 34.0x, sitting at the 71st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 189%. On a free-cash-flow basis, the stock trades at 35.6x P/FCF, 6% below the 5-year average of 37.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.1B | $1.6B | $1.6B | $2.0B | $2.3B | $2.2B | $1.7B | $1.9B | $1.7B | — | — |
| Enterprise Value | $2.9B | $2.4B | $2.4B | $3.1B | $3.2B | $2.5B | $2.1B | $3.2B | $2.9B | — | — |
| P/E Ratio → | 39.27 | 30.47 | — | 55.09 | 26.69 | 23.70 | 29.92 | 34.57 | 76.45 | — | — |
| P/S Ratio | 4.11 | 3.11 | 3.55 | 4.70 | 6.75 | 7.03 | 5.24 | 6.44 | 6.90 | — | — |
| P/B Ratio | 1.75 | 1.36 | 1.49 | 1.91 | 2.18 | 2.01 | 1.69 | 1.92 | 1.75 | — | — |
| P/FCF | 35.62 | 26.91 | 62.23 | 59.97 | 17.01 | 23.31 | 38.45 | 758.89 | 39.32 | — | — |
| P/OCF | 30.50 | 23.04 | 48.32 | 48.72 | 16.15 | 22.01 | 34.82 | 86.24 | 30.10 | — | — |
P/E links to full P/E history page with 30-year chart
CLBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Columbia Financial, Inc.'s enterprise value stands at 42.5x EBITDA, 32% above its 5-year average of 32.3x. The Financial Services sector median is 11.4x, placing the stock at a 273% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.77 | 5.30 | 7.31 | 9.54 | 8.02 | 6.39 | 11.00 | 11.55 | — | — |
| EV / EBITDA | 42.53 | 35.13 | — | 51.21 | 24.91 | 17.99 | 24.06 | 42.24 | 76.19 | — | — |
| EV / EBIT | 48.68 | 40.21 | — | 67.08 | 27.75 | 19.65 | 27.33 | 45.21 | 84.68 | — | — |
| EV / FCF | — | 41.31 | 92.81 | 93.38 | 24.04 | 26.60 | 46.92 | 1295.78 | 65.79 | — | — |
CLBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Columbia Financial, Inc. earns an operating margin of 11.9%, below the Financial Services sector average of 20.3%. ROE of 4.6% is modest, trailing the sector median of 9.0%. ROIC of 2.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.3% | 50.3% | 36.5% | 54.1% | 85.8% | 91.2% | 71.9% | 68.4% | 72.5% | 74.9% | 76.5% |
| Operating Margin | 11.9% | 11.9% | -3.5% | 10.9% | 34.4% | 40.8% | 23.4% | 24.3% | 13.6% | 23.4% | 26.5% |
| Net Profit Margin | 10.2% | 10.2% | -2.6% | 8.5% | 25.3% | 29.8% | 17.7% | 18.7% | 9.2% | 15.5% | 17.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.6% | 4.6% | -1.1% | 3.4% | 8.1% | 8.8% | 5.8% | 5.6% | 3.1% | 6.8% | 7.5% |
| ROA | 0.5% | 0.5% | -0.1% | 0.3% | 0.9% | 1.0% | 0.7% | 0.7% | 0.4% | 0.6% | 0.7% |
| ROIC | 2.0% | 2.0% | -0.5% | 1.5% | 4.8% | 5.8% | 2.7% | 2.3% | 1.4% | 2.8% | 3.3% |
| ROCE | 1.4% | 1.4% | -0.6% | 1.8% | 6.3% | 7.6% | 3.7% | 3.3% | 2.0% | 4.0% | 5.1% |
CLBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Columbia Financial, Inc. carries a Debt/EBITDA ratio of 17.2x, which is highly leveraged (303% above the sector average of 4.3x). Net debt stands at $843M ($1.2B total debt minus $341M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.02 | 1.02 | 1.00 | 1.47 | 1.07 | 0.35 | 0.79 | 1.43 | 1.22 | 1.97 | 1.55 |
| Debt / EBITDA | 17.19 | 17.19 | — | 25.34 | 8.65 | 2.74 | 9.23 | 18.50 | 31.79 | 18.38 | 12.86 |
| Net Debt / Equity | — | 0.73 | 0.73 | 1.06 | 0.90 | 0.28 | 0.37 | 1.36 | 1.18 | 1.83 | 1.45 |
| Net Debt / EBITDA | 12.24 | 12.24 | — | 18.33 | 7.28 | 2.22 | 4.35 | 17.50 | 30.66 | 17.08 | 12.00 |
| Debt / FCF | — | 14.39 | 30.58 | 33.42 | 7.02 | 3.29 | 8.47 | 536.89 | 26.48 | 29.26 | 11.50 |
| Interest Coverage | 0.26 | 0.26 | -0.06 | 0.24 | 2.72 | 3.41 | 1.03 | 0.81 | 0.55 | 1.07 | 1.14 |
CLBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.08x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.20x to 0.08x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 0.14 | 0.20 | 0.19 | 0.23 | 0.25 | 0.20 | 0.23 | 0.18 | 0.20 |
| Quick Ratio | 0.08 | 0.08 | 0.14 | 0.20 | 0.19 | 0.23 | 0.25 | 0.20 | 0.23 | 0.18 | 0.20 |
| Cash Ratio | 0.07 | 0.07 | 0.04 | 0.05 | 0.02 | 0.01 | 0.06 | 0.01 | 0.01 | 0.01 | 0.01 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CLBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Columbia Financial, Inc. returns 0.7% to shareholders annually primarily through share buybacks. The earnings yield of 2.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.5% | 3.3% | — | 1.8% | 3.7% | 4.2% | 3.3% | 2.9% | 1.3% | — | — |
| FCF Yield | 2.8% | 3.7% | 1.6% | 1.7% | 5.9% | 4.3% | 2.6% | 0.1% | 2.5% | — | — |
| Buyback Yield | 0.7% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $101M | $102M | $103M | $106M | $104M | $110M | $111M | $111M | $116M | $116M |
Peer Comparison
Compare CLBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CLBKYou | $2B | 39.3 | 42.5 | 35.6 | 50.3% | 11.9% | 4.6% | 2.0% | 17.2 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TRMK | $3B | 12.1 | 9.4 | 11.3 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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CLBK — Frequently Asked Questions
Quick answers to the most common questions about buying CLBK stock.
What is Columbia Financial, Inc.'s P/E ratio?
Columbia Financial, Inc.'s current P/E ratio is 39.3x. The historical average is 39.6x. This places it at the 71th percentile of its historical range.
What is Columbia Financial, Inc.'s EV/EBITDA?
Columbia Financial, Inc.'s current EV/EBITDA is 42.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 38.8x.
What is Columbia Financial, Inc.'s ROE?
Columbia Financial, Inc.'s return on equity (ROE) is 4.6%. The historical average is 5.3%.
Is CLBK stock overvalued?
Based on historical data, Columbia Financial, Inc. is trading at a P/E of 39.3x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Columbia Financial, Inc.'s profit margins?
Columbia Financial, Inc. has 50.3% gross margin and 11.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Columbia Financial, Inc. have?
Columbia Financial, Inc.'s Debt/EBITDA ratio is 17.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.