# Columbia Financial Inc. (CLBK) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $11.70, market value $1.2 billion.

## Valuation
- **P/E (trailing): 21.3×** (5-yr avg 15.4×, 3-yr avg 19.4×). Columbia Financial Inc. trades at 21.3× trailing earnings, well above its own five-year average of 15.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 18.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.03**. A PEG of 0.03 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.7×**. Each dollar of revenue is priced at 4.7×.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.8%** (5-yr avg 7.5%). Free cash flow equals 4.8% of the market value, below its five-year average of 7.5%, so the shares are pricier on cash than usual.
- **Earnings yield: 4.7%**. The inverse of the P/E: 4.7% of the price is earned each year.

## Profitability
- **Net margin: 20.0%**. 20.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 4.5%**. 4.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 43.8%** (3-yr -4.5%/yr). Revenue grew 43.8% over the last year.
- **EPS growth (1 yr): 563.6%** (3-yr -14.3%/yr, 5-yr -0.4%/yr). Earnings per share rose 563.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -24.3%/yr**. Free cash flow has compounded at -24.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $341 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.71%** ($0.20 per share, trailing). Columbia Financial Inc. yields 1.71%, a modest yield more typical of a growth-oriented payer.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Columbia Financial Inc.; the consensus is buy, with an average price target of $14.17 (+21% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 71.6%** (YTD 65.6%, 3-mo 27.0%). The shares are up 71.6% over twelve months including dividends.
- **From 52-week high: -2.5%** (88.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.63** (volatility 28%). Beta of 0.63 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CLBK · Page: https://foliofundamentals.com/stocks/clbk

Not investment advice.