Stocktoria

Columbia Financial, Inc. CLBK

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2018-04-20

Columbia Financial, Inc. statistics & valuation

Market cap$2.2B
P / E41.9×
P / B1.9×
P / FCF37.1×
Return on equity4.5%
Net debt$842.7M
Enterprise value USD$3.0B
Graham number -2.9%$11.32

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($11.32); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
201720182019202020212022202320242025
Return on equity (%)
6.50% 2.30% 5.60% 5.70% 8.50% 8.20% 3.50% -1.10% 4.50% 201720182019202020212022202320242025
Shares outstanding
115.9M 113.8M 110.9M 107.4M 109.0M 104.9M 104.8M 104.0M 201720182019202020212022202320242025
Net debt ($)
$1.15B $1.33B $376.4M $306.3M $947.8M $1.11B $791.4M $842.7M 201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
0.60% 0.30% 0.70% 0.70% 1.00% 0.80% 0.30% -0.10% 0.50% 201720182019202020212022202320242025
Free cash flow margin (%)
201720182019202020212022202320242025
Debt / equity (×)
1.22× 1.43× 0.79× 0.35× 1.07× 1.47× 1.00× 1.02× 201720182019202020212022202320242025
EPS ($)
$0.20 $0.49 $0.52 $0.88 $0.81 $0.35 -$0.11 $0.51 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Columbia Financial, Inc. trades at about 22.8× earnings — above its 10-year norm (10-year range 10.9×–33.7×, median 14.5×).

10.9× 33.7×

Shaded band = 10-year range (10.9×–33.7×); dot = today's 22.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Return on assets0.5%-0.1%0.3%0.8%1.0%0.7%0.7%0.3%0.6%
Return on equity4.5%-1.1%3.5%8.2%8.5%5.7%5.6%2.3%6.5%
Debt / equity1.02×1.00×1.47×1.07×0.35×0.79×1.43×1.22×—

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.