Columbia Financial Financials

CLBK Stock  USD 16.00  0.17  1.07%   
Columbia Financial is performing exceptionally good at this time. It has a great probability to report excellent financial results in February. At this time, Columbia Financial's Other Current Assets are quite stable compared to the past year. Short Term Debt is expected to rise to about 1.1 B this year, although the value of Total Current Liabilities will most likely fall to about 117.7 M. Key indicators impacting Columbia Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.14
Significantly Up
Pretty Stable
Return On Assets0.00510.0031
Way Up
Pretty Stable
Return On Equity0.06580.0399
Way Up
Slightly volatile
Debt Equity Ratio1.261.69
Way Down
Slightly volatile
Operating Income103.8 M63.9 M
Way Up
Very volatile
Current Ratio7.777.4
Sufficiently Up
Slightly volatile
Investors should never underestimate Columbia Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Columbia Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Columbia Financial.

Net Income

54.18 Million

  
Understanding current and past Columbia Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Columbia Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Columbia Financial's assets may result in an increase in income on the income statement.

Columbia Financial Stock Summary

Columbia Financial competes with Community West, First Financial, First Northwest, First Capital, and Magyar Bancorp. Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC. Columbia Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 645 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1976411033
CUSIP197641103
LocationNew Jersey; U.S.A
Business Address19-01 Route 208
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.columbiabankonline.com
Phone800 522 4167
CurrencyUSD - US Dollar

Columbia Financial Key Financial Ratios

Columbia Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets8.8B9.2B10.4B10.6B12.2B8.9B
Other Liab73.8M32.6M36.5M79.9M71.9M46.8M
Net Tangible Assets914.5M923.9M988.5M928.5M1.1B883.5M
Net Debt376.4M306.3M947.8M1.1B1.3B879.0M
Retained Earnings673.1M765.1M857.5M893.6M1.0B739.5M
Accounts Payable5.6B176.7M7.6B180.9M162.8M154.7M
Cash423.0M71.0M179.2M423.2M486.7M511.1M
Other Assets5.3B5.1B6.9B(423.2M)(486.7M)(462.4M)
Long Term Debt799.4M377.3M1.1B1.5B1.8B978.8M
Net Receivables29.5M28.3M33.9M39.3M45.2M27.5M
Good Will60.8M80.3M85.3M110.7M127.3M63.9M
Long Term Debt Total23.8M799.4M377.3M1.1B1.3B1.4B
Inventory(452.4M)(99.3M)(213.1M)(1.6B)(1.8B)(1.7B)
Other Current Assets452.4M99.3M213.1M462.6M532.0M558.6M
Total Liab799.4M377.3M9.4B9.6B11.0B5.9B
Total Current Assets1.8B1.8B1.5B885.8M1.0B995.9M
Short Term Debt500.1M232.9M680.7M911.2M1.0B1.1B
Intangible Assets7.1M6.4M14.4M12.6M14.5M15.3M
Net Invested Capital1.8B377.3M1.1B2.6B3.0B1.8B
Other Current Liab4.1B5.0B5.1B(803.5M)(723.1M)(687.0M)

Columbia Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision18.7M34.1M30.7M10.0M11.5M20.6M
Net Interest Income217.9M231.1M265.1M200.7M230.8M198.4M
Interest Income292.1M267.7M307.9M389.8M448.3M275.2M
Interest Expense73.7M36.6M42.9M189.1M217.5M228.3M
Income Before Tax76.3M126.2M116.9M46.1M53.0M74.8M
Net Income57.6M92.0M86.2M36.1M41.5M54.2M
Income Tax Expense18.7M34.1M30.7M10.0M11.5M20.6M
Total Revenue252.8M272.0M297.2M233.3M268.2M240.1M
Gross Profit252.8M272.0M297.2M421.7M484.9M266.0M
Operating Income76.3M126.2M146.4M55.6M63.9M103.8M
Ebit76.4M126.4M117.1M(14.3M)(12.8M)(12.2M)
Ebitda86.6M137.8M130.2M(239K)(215.1K)(204.3K)

Columbia Financial Key Cash Accounts

202020212022202320242025 (projected)
Investments106.4M(461.7M)(751.1M)(218.1M)(250.8M)(263.3M)
Change In Cash347.4M(352.0M)108.3M244.0M280.6M294.7M
Net Borrowings135.1M90M(483.8M)744.0M855.6M898.4M
Free Cash Flow43.3M93.2M135.0M33.1M38.0M73.9M
Depreciation10.4M11.6M13.4M14.0M16.1M8.9M
Other Non Cash Items7.2M(17.4M)7.2M11.4M10.2M15.8M
Capital Expenditures4.6M5.5M7.2M7.6M6.9M6.8M
Net Income57.6M92.0M86.2M36.1M41.5M56.8M
End Period Cash Flow423.0M71.0M179.2M423.2M486.7M511.1M
Change To Netincome111.8M32.1M7.1M23.0M20.7M25.4M
Change Receivables(959K)(6.7M)2.0M(4.7M)(4.2M)(4.4M)

Columbia Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Columbia Financial's current stock value. Our valuation model uses many indicators to compare Columbia Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Columbia Financial competition to find correlations between indicators driving Columbia Financial's intrinsic value. More Info.
Columbia Financial is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Columbia Financial is roughly  10.33 . At this time, Columbia Financial's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Columbia Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Columbia Financial Systematic Risk

Columbia Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Columbia Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Columbia Financial correlated with the market. If Beta is less than 0 Columbia Financial generally moves in the opposite direction as compared to the market. If Columbia Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Columbia Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Columbia Financial is generally in the same direction as the market. If Beta > 1 Columbia Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Columbia Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Columbia Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Columbia Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.9)

At this time, Columbia Financial's Price Earnings To Growth Ratio is quite stable compared to the past year.

Columbia Financial January 19, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Columbia Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Columbia Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Columbia Financial based on widely used predictive technical indicators. In general, we focus on analyzing Columbia Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Columbia Financial's daily price indicators and compare them against related drivers.
When determining whether Columbia Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Columbia Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Columbia Financial Stock. Highlighted below are key reports to facilitate an investment decision about Columbia Financial Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Columbia Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide.
You can also try the Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Columbia Financial. If investors know Columbia will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Columbia Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.33)
Earnings Share
0.15
Revenue Per Share
1.977
Quarterly Revenue Growth
(0.08)
Return On Assets
0.0015
The market value of Columbia Financial is measured differently than its book value, which is the value of Columbia that is recorded on the company's balance sheet. Investors also form their own opinion of Columbia Financial's value that differs from its market value or its book value, called intrinsic value, which is Columbia Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Columbia Financial's market value can be influenced by many factors that don't directly affect Columbia Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Columbia Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Columbia Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Columbia Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.