Last 37 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 57.62 | 138.25 | 37.17 | 33.67 | 25.88 | 11.36 | 13.76 | 19.52 | — | 31.95 | 42.46 | — | 36.46 | 9.08 | 44.66 | 5.25 | 5.32 | 5.74 | 5.12 | 5.56 | 4.68 |
| — | +1116.6% | +170.1% | +72.5% | — | -64.4% | -67.6% | — | — | +252.0% | -4.9% | — | +585.5% | +58.1% | +772.5% | -5.6% | +13.6% | +20.2% | +49.6% | +23.0% | +10.8% | |
| P/S Ratio | 6.99 | 6.93 | 4.40 | 7.00 | 5.73 | 2.16 | 2.63 | 2.95 | 8.06 | 3.64 | 3.24 | 4.01 | 3.94 | 1.45 | 1.81 | 1.44 | 1.57 | 1.52 | 1.62 | 1.65 | 1.64 |
| — | +220.8% | +67.3% | +136.9% | -29.0% | -40.7% | -18.9% | -26.3% | +104.6% | +151.1% | +79.3% | +178.1% | +150.4% | -4.4% | +11.8% | -12.8% | -4.1% | +2.1% | +26.1% | +12.8% | +29.2% | |
| P/B Ratio | 2.14 | 0.88 | 1.80 | 1.51 | 1.36 | 0.61 | 0.60 | 0.63 | 0.68 | 0.73 | 0.66 | 0.77 | 0.86 | 0.33 | 0.36 | 0.38 | 0.45 | 0.46 | 0.45 | 0.45 | 0.41 |
| — | +44.2% | +200.0% | +139.9% | +100.3% | -16.7% | -9.1% | -17.7% | -20.9% | +122.6% | +84.4% | +100.5% | +89.6% | -27.8% | -20.0% | -14.4% | +9.5% | +19.3% | +24.3% | +16.6% | +19.8% | |
| P/FCF | 42.39 | — | 31.03 | 348.36 | 17.90 | 6.19 | 13.01 | — | 6.71 | — | 10.05 | 15.96 | — | 2.03 | 2.82 | — | 4.31 | 3.35 | 2.98 | 3.60 | 3.72 |
| — | — | +138.5% | — | +166.7% | — | +29.5% | — | — | — | +256.1% | — | — | -39.4% | -5.2% | — | +16.0% | — | — | +539.4% | +66.0% | |
| EV / EBITDA | 22.78 | 12.03 | 28.51 | 30.29 | 25.32 | 27.60 | 21.00 | 24.67 | — | 44.09 | 58.48 | 208.70 | 45.35 | 24.00 | 63.32 | 15.73 | 10.50 | 8.28 | 5.77 | 6.52 | 5.39 |
| — | -56.4% | +35.7% | +22.8% | — | -37.4% | -64.1% | -88.2% | — | +83.7% | -7.6% | +1227.0% | +332.0% | +190.0% | +996.7% | +141.1% | +94.7% | +23.8% | +24.4% | +11.2% | -13.4% | |
| EV / EBIT | 55.27 | 12.03 | 28.51 | 36.68 | 30.21 | 36.68 | 25.71 | 32.16 | — | 65.86 | 102.93 | — | 67.17 | 31.33 | 181.29 | 17.94 | 11.70 | 9.31 | 6.40 | 7.24 | 5.88 |
| — | -67.2% | +10.9% | +14.1% | — | -44.3% | -75.0% | — | — | +110.2% | -43.2% | — | +474.2% | +236.5% | +2732.0% | +147.9% | +98.8% | +26.5% | +27.7% | +12.2% | -11.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 93.7% | 98.2% | 51.5% | 98.5% | 97.5% | 87.7% | 96.1% | 95.0% | 87.3% | 92.4% | 95.9% | 89.4% | 98.0% | 95.8% | 97.9% | 99.7% | 99.0% | 98.0% | 97.8% | 97.9% | 110.9% |
| — | +12.0% | -46.5% | +3.7% | +11.6% | -5.1% | +0.3% | +6.3% | -10.8% | -3.5% | -2.0% | -10.4% | -1.1% | -2.2% | +0.0% | +1.9% | -10.7% | -1.2% | -4.5% | -4.0% | +11.9% | |
| Operating Margin | 22.1% | 1.1% | 7.5% | 29.4% | 29.1% | 14.4% | 25.8% | 20.4% | -117.8% | 13.5% | 9.0% | -2.6% | 13.1% | 20.7% | 3.8% | 36.1% | 40.2% | 36.2% | 41.6% | 39.5% | 47.0% |
| — | -92.2% | -70.9% | +44.1% | +124.7% | +7.0% | +185.5% | +890.4% | -996.9% | -34.9% | +138.4% | -107.2% | -67.3% | -42.7% | -90.9% | -8.7% | -14.5% | -16.5% | -17.6% | -10.7% | +18.7% | |
| Net Margin | 19.0% | 5.2% | 11.8% | 20.6% | 22.8% | 18.4% | 19.3% | 15.1% | -93.4% | 11.4% | 8.5% | -2.3% | 11.6% | 16.0% | 3.3% | 27.2% | 28.9% | 27.1% | 30.9% | 29.2% | 34.3% |
| — | -71.8% | -38.5% | +36.3% | +124.4% | +61.8% | +126.0% | +750.7% | -905.0% | -28.7% | +159.2% | -108.6% | -59.9% | -40.9% | -89.4% | -7.1% | -15.8% | -14.6% | -16.0% | -9.2% | +14.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.6% | 0.2% | 1.2% | 1.1% | 1.4% | 1.3% | 1.1% | 0.8% | -2.0% | 0.6% | 0.4% | -0.1% | 0.6% | 0.9% | 0.2% | 1.8% | 2.1% | 2.0% | 2.2% | 1.9% | 2.2% |
| — | -81.8% | +10.3% | +37.5% | +169.4% | +125.9% | +154.4% | +834.7% | -406.3% | -35.3% | +169.8% | -106.2% | -69.5% | -54.8% | -92.6% | -7.4% | -5.0% | -2.2% | -17.0% | -7.7% | +8.6% | |
| ROA | 0.5% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | -0.2% | 0.1% | 0.0% | -0.0% | 0.1% | 0.1% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | -74.4% | +8.4% | +40.9% | +171.5% | +138.6% | +171.9% | +874.3% | -419.9% | -35.5% | +163.4% | -106.1% | -70.8% | -57.7% | -93.3% | -19.5% | -15.4% | -7.8% | -18.0% | -6.4% | +8.3% | |
| ROIC | 2.0% | 0.0% | 0.3% | 0.6% | 0.6% | 0.4% | 0.5% | 0.4% | -0.9% | 0.2% | 0.1% | -0.0% | 0.2% | 0.4% | 0.1% | 0.8% | 1.2% | 1.3% | 1.6% | 1.4% | 1.5% |
| — | -93.4% | -47.0% | +42.8% | +173.4% | +73.3% | +294.4% | +1200.3% | -480.9% | -46.7% | +131.6% | -105.0% | -80.8% | -70.0% | -96.2% | -46.5% | -20.6% | +8.6% | -0.0% | +15.3% | +39.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.02 | 0.47 | 1.02 | 1.06 | 1.02 | 1.11 | 1.14 | 1.01 | 1.00 | 1.32 | 1.61 | 1.47 | 1.47 | 1.35 | 1.10 | 1.64 | 1.07 | 0.65 | 0.39 | 0.42 | 0.35 |
| — | -57.3% | -10.3% | +5.2% | +1.9% | -15.9% | -29.4% | -31.7% | -31.9% | -2.2% | +46.9% | -10.2% | +37.4% | +105.7% | +180.2% | +291.9% | +205.9% | -10.0% | -46.1% | -42.0% | -55.8% | |
| Debt / EBITDA | 15.74 | 18.84 | 60.86 | 54.93 | 49.57 | 81.77 | 63.01 | 70.70 | — | 130.00 | 198.53 | 654.31 | 138.85 | 87.79 | 203.68 | 60.17 | 33.23 | 21.43 | 12.25 | 14.15 | 10.82 |
| — | -77.0% | -3.4% | -22.3% | — | -37.1% | -68.3% | -89.2% | — | +48.1% | -2.5% | +987.5% | +317.9% | +309.6% | +1562.5% | +325.2% | +207.2% | -9.7% | -35.3% | -37.7% | -60.6% | |
| Current Ratio | 0.08 | 0.35 | 435.71 | 2312.41 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 | 0.15 | 0.21 | 0.19 | 0.18 | 0.20 | 0.22 | 0.23 |
| — | +168.0% | +336313.2% | +1721878.2% | -43.5% | -34.2% | -40.6% | -34.4% | -31.4% | +22.7% | +49.3% | -1.4% | +5.2% | -10.1% | -26.4% | -5.8% | -19.2% | -35.7% | -30.2% | -13.9% | -8.3% | |
| Quick Ratio | 0.08 | 0.35 | 435.71 | 2312.41 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 | 0.15 | 0.21 | 0.19 | 0.18 | 0.20 | 0.22 | 0.23 |
| — | +168.0% | +336313.2% | +1721878.2% | -43.5% | -34.2% | -40.6% | -34.4% | -31.4% | +22.7% | +49.3% | -1.4% | +5.2% | -10.1% | -26.4% | -5.8% | -19.2% | -35.7% | -30.2% | -13.9% | -8.3% | |
| Interest Coverage | 0.26 | 1.01 | — | 0.32 | 0.32 | 0.24 | 0.26 | 0.19 | -0.40 | 0.10 | 0.07 | -0.02 | 0.11 | 0.24 | 0.04 | 0.78 | 1.58 | 2.63 | 4.71 | 4.60 | 4.26 |
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Includes 30+ ratios · 37 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 57.6x. The average P/E over the last 4 quarters is 58.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Columbia Financial, Inc.'s current operating margin is 22.1%. Margins have been compressing 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.