Last 34 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Columbia Financial, Inc.'s quarterly P/E stands at 25.9x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 39.27 | 25.90 | 25.02 | 30.23 | 42.91 | — | 70.30 | 93.56 | — | 80.33 | 43.93 | 216.12 | 25.39 |
| — | — | -64.4% | -67.7% | — | — | +60.0% | -56.7% | — | +212.1% | +58.0% | +772.0% | -5.6% | |
| P/S Ratio | 4.11 | 3.02 | 2.95 | 2.92 | 3.17 | 4.48 | 3.48 | 3.11 | 3.77 | 4.02 | 3.75 | 4.64 | 4.76 |
| — | -32.5% | -15.2% | -6.1% | -16.1% | +11.4% | -7.1% | -33.0% | -20.8% | -33.6% | -42.0% | -35.7% | -35.4% | |
| P/B Ratio | 1.75 | 1.36 | 1.34 | 1.32 | 1.39 | 1.49 | 1.61 | 1.45 | 1.69 | 1.89 | 1.59 | 1.73 | 1.85 |
| — | -8.9% | -16.7% | -9.3% | -17.7% | -21.0% | +1.2% | -16.1% | -8.8% | -13.8% | -27.9% | -20.0% | -14.4% | |
| P/FCF | 35.62 | 17.91 | 13.62 | 28.61 | — | 14.76 | — | 22.12 | 35.12 | — | 9.84 | 13.66 | — |
| — | +21.4% | — | +29.3% | — | — | — | +62.0% | — | — | -39.4% | -5.2% | — | |
| EV / EBITDA | 42.53 | 30.22 | 48.91 | 30.98 | 37.96 | — | 65.78 | 82.96 | 310.82 | 69.67 | 44.60 | 127.24 | 29.17 |
| — | — | -25.7% | -62.7% | -87.8% | — | +47.5% | -34.8% | +965.7% | +190.6% | +97.2% | +561.1% | +38.9% | |
| EV / EBIT | 48.68 | 30.22 | 54.64 | 37.92 | 49.48 | — | 98.26 | 146.01 | — | 103.19 | 58.21 | 364.30 | 33.28 |
| — | — | -44.4% | -74.0% | — | — | +68.8% | -59.9% | — | +286.2% | +128.9% | +1607.2% | +42.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Columbia Financial, Inc.'s operating margin was 15.3% in Q4 2025, up 6.4 pp QoQ and up 45.1 pp YoY. The trailing four-quarter average of 11.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 133.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.3% | 51.4% | 54.5% | 48.5% | 46.3% | 22.1% | 40.2% | 41.7% | 38.2% | 45.4% | 51.2% | 51.8% | 68.1% |
| — | +133.1% | +35.7% | +16.3% | +21.1% | -51.4% | -21.5% | -19.5% | -43.9% | -42.3% | -40.6% | -42.4% | -24.5% | |
| Operating Margin | 11.9% | 15.3% | 9.0% | 13.0% | 10.0% | -29.8% | 5.9% | 3.9% | -1.1% | 6.1% | 11.1% | 2.0% | 24.6% |
| — | +151.5% | +53.0% | +231.1% | +1000.7% | -589.1% | -47.0% | +95.8% | -104.5% | -81.0% | -65.2% | -94.8% | -32.3% | |
| Net Margin | 10.2% | 12.0% | 11.5% | 9.7% | 7.4% | -23.6% | 5.0% | 3.7% | -1.0% | 5.4% | 8.5% | 1.7% | 18.5% |
| — | +151.0% | +131.4% | +162.0% | +841.5% | -539.0% | -41.9% | +113.0% | -105.4% | -76.6% | -64.1% | -93.9% | -31.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.6% | 1.4% | 1.3% | 1.1% | 0.8% | -2.0% | 0.6% | 0.4% | -0.1% | 0.6% | 0.9% | 0.2% | 1.8% |
| — | +169.4% | +125.9% | +154.4% | +834.7% | -406.3% | -35.3% | +169.8% | -106.2% | -69.5% | -54.8% | -92.6% | -7.4% | |
| ROA | 0.5% | 0.1% | 0.1% | 0.1% | 0.1% | -0.2% | 0.1% | 0.0% | -0.0% | 0.1% | 0.1% | 0.0% | 0.2% |
| — | +171.5% | +138.6% | +171.9% | +874.3% | -419.9% | -35.5% | +163.4% | -106.1% | -70.8% | -57.7% | -93.3% | -19.5% | |
| ROIC | 2.0% | 0.6% | 0.4% | 0.5% | 0.4% | -0.9% | 0.2% | 0.1% | -0.0% | 0.2% | 0.4% | 0.1% | 0.8% |
| — | +173.4% | +73.3% | +294.4% | +1200.3% | -480.9% | -46.7% | +131.6% | -105.0% | -80.8% | -70.0% | -96.2% | -46.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Columbia Financial, Inc.'s Debt/EBITDA ratio is 59.1x, down from 97.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 43.5% YoY to 0.08x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.02 | 1.02 | 1.11 | 1.14 | 1.01 | 1.00 | 1.32 | 1.61 | 1.47 | 1.47 | 1.35 | 1.10 | 1.64 |
| — | +1.9% | -15.9% | -29.4% | -31.7% | -31.9% | -2.2% | +46.9% | -10.2% | +37.4% | +105.7% | +180.2% | +291.9% | |
| Debt / EBITDA | 17.19 | 59.14 | 97.25 | 63.01 | 70.70 | — | 130.00 | 198.53 | 654.31 | 138.85 | 87.79 | 203.68 | 60.17 |
| — | — | -25.2% | -68.3% | -89.2% | — | +48.1% | -2.5% | +987.5% | +317.9% | +309.6% | +1562.5% | +325.2% | |
| Current Ratio | 0.08 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 | 0.15 | 0.21 |
| — | -43.5% | -34.2% | -40.6% | -34.4% | -31.4% | +22.7% | +49.3% | -1.4% | +5.2% | -10.1% | -26.4% | -5.8% | |
| Quick Ratio | 0.08 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 | 0.15 | 0.21 |
| — | -43.5% | -34.2% | -40.6% | -34.4% | -31.4% | +22.7% | +49.3% | -1.4% | +5.2% | -10.1% | -26.4% | -5.8% | |
| Interest Coverage | 0.26 | 0.32 | 0.24 | 0.26 | 0.19 | -0.40 | 0.10 | 0.07 | -0.02 | 0.11 | 0.24 | 0.04 | 0.78 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 34 years · Updated daily
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Quick answers to the most common questions about buying CLBK stock.
Columbia Financial, Inc.'s current P/E is 39.3x. The average P/E over the last 4 quarters is 31.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Columbia Financial, Inc.'s current operating margin is 11.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Columbia Financial, Inc.'s business trajectory between earnings reports.