Columbia Financial, Inc. (CLBK) P/E Ratio History
UndervaluedTrading at 39.3x vs 5Y avg 53.7x · 70th percentile · Below historical baseline · Data 2018–2025
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P/E Ratio Analysis
As of June 21, 2026, Columbia Financial, Inc. (CLBK) trades at a price-to-earnings ratio of 39.3x, with a stock price of $20.03 and trailing twelve-month earnings per share of $0.51.
The current P/E is 27% below its 5-year average of 53.7x. Over the past five years, CLBK's P/E has ranged from a low of 21.8x to a high of 249.7x, placing the current valuation at the 70th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, CLBK trades at a 189% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, CLBK commands a significant premium over the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CLBK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CLBK Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
CLBK P/E vs Peers
Commercial real estate and multifamily lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 14.0 | 1.99 | +13% | |
| $533M | 20.2 | - | +130% | |
| $1B | 15.4 | 5.54 | -29% | |
| $602M | 727.8 | - | -97% | |
| $4B | 14.6 | 0.83Best | +15% | |
| $3B | 12.1Lowest | 1.50 | +2% | |
| $265M | 15.0 | 10.03 | +96% | |
| $2B | 16.5 | 2.58 | +331%Best | |
| $13B | 21.2 | - | -52% | |
| $76B | 23.2 | 2.61 | +21% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
CLBK Historical P/E Data (2018–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $15.54 | $0.51 | 30.6x | -67% |
| FY2025 Q3 | - | $15.01 | $0.15 | 101.8x | +11% |
| FY2025 Q2 | Jun 30 2025 | $14.51 | $0.06 | 249.7x | +172% |
| FY2024 Q3 | Sep 30 2024 | $17.07 | $0.15 | 113.3x | +23% |
| FY2024 Q2 | Jun 30 2024 | $14.97 | $0.18 | 83.4x | -9% |
| FY2024 Q1 | Mar 31 2024 | $17.21 | $0.16 | 108.0x | +18% |
| FY2023 Q4 | Dec 31 2023 | $19.28 | $0.35 | 55.2x | -40% |
| FY2023 Q3 | Sep 30 2023 | $15.71 | $0.50 | 31.5x | -66% |
| FY2023 Q2 | Jun 30 2023 | $17.29 | $0.60 | 28.8x | -69% |
| FY2023 Q1 | Mar 31 2023 | $18.28 | $0.80 | 22.9x | -75% |
| FY2022 Q4 | Dec 31 2022 | $21.62 | $0.82 | 26.4x | -71% |
| FY2022 Q3 | Sep 30 2022 | $21.13 | $0.84 | 25.2x | -73% |
| FY2022 Q2 | - | $21.81 | $0.85 | 25.7x | -72% |
| FY2022 Q1 | - | $21.51 | $0.89 | 24.2x | -74% |
| FY2021 Q4 | Dec 31 2021 | $20.86 | $0.89 | 23.4x | -74% |
| FY2021 Q3 | - | $18.50 | $0.85 | 21.8x | -76% |
| FY2021 Q2 | Jun 30 2021 | $17.22 | $0.79 | 21.8x | -76% |
| FY2021 Q1 | Mar 31 2021 | $17.48 | $0.67 | 26.1x | -72% |
| FY2020 Q4 | - | $15.56 | $0.53 | 29.4x | -68% |
| FY2020 Q3 | Sep 30 2020 | $11.10 | $0.46 | 24.1x | -74% |
| FY2020 Q2 | - | $13.96 | $0.45 | 31.0x | -66% |
| FY2020 Q1 | - | $14.40 | $0.42 | 34.3x | -63% |
| FY2019 Q4 | - | $16.94 | $0.49 | 34.6x | -62% |
| FY2019 Q3 | Sep 30 2019 | $15.79 | $0.50 | 31.6x | -66% |
| FY2019 Q2 | Jun 30 2019 | $15.10 | $0.47 | 32.1x | -65% |
| FY2019 Q1 | Mar 31 2019 | $15.67 | $0.23 | 68.1x | -26% |
| FY2018 Q4 | Dec 31 2018 | $15.29 | $0.20 | 76.5x | -17% |
| FY2018 Q3 | Sep 30 2018 | $16.70 | $0.10 | 164.2x | +79% |
| FY2018 Q2 | Jun 30 2018 | $16.55 | $0.01 | 1118.2x | +1117% |
Average P/E for displayed period: 91.9x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
8+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
CLBK — Frequently Asked Questions
Quick answers to the most common questions about buying CLBK stock.
What is CLBK's P/E ratio?
Columbia Financial, Inc. (CLBK) trailing twelve-month P/E ratio is 39.3x, based on TTM diluted EPS of $0.51. The 5-year average P/E is 53.7x and the historical range spans 21.8x to 249.7x.
Is CLBK stock overvalued or undervalued?
CLBK trades at 39.3x P/E, below its 5-year average of 53.7x. At the 70th percentile of its historical range (21.8x–249.7x), the stock is priced at a discount to its own history.
Is CLBK stock expensive?
No, CLBK is not expensive on a historical basis. The current P/E of 39.3x is below the 5-year average of 53.7x and sits at the 70th percentile of its valuation range.
What is CLBK's historical P/E range?
Over the past 5 years, CLBK's P/E ratio has ranged from 21.8x to 249.7x, with a median of 28.8x and an average of 53.7x. The current P/E of 39.3x places the stock at the 70th percentile of this range. Full historical data spans 2018–2025.
How does CLBK's P/E compare to the S&P 500?
CLBK trades at 39.3x P/E versus the S&P 500 median of 24.4x. The 61% premium to the market typically reflects higher expected earnings growth or quality.
How does CLBK's valuation compare to Financial Services peers?
Columbia Financial, Inc. P/E of 39.3x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is CLBK's PEG ratio?
CLBK PEG ratio is N/A, based on a P/E of 39.3x and EPS growth of 563.6%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is CLBK's earnings yield?
CLBK earnings yield is 2.55%, the inverse of its 39.3x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.