CLBK:NSD-Columbia Financial, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 17.75

Change

+0.63 (+3.68)%

Market Cap

USD 1.92B

Volume

0.12M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Columbia Financial, Inc. operates as the bank holding company for Columbia Bank that provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one- to four-family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2020, it operated 61 full-service banking offices in twelve of New Jersey's 21 counties. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. operates as a subsidiary of Columbia Bank MHC.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-13 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+10.29 (+1.88%)

USD29.73B 18.01 N/A
FITB Fifth Third Bancorp

+1.04 (+2.54%)

USD28.82B 15.04 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.39%)

USD27.80B 22.33 N/A
FITBI Fifth Third Bancorp

+0.06 (+0.21%)

USD19.77B 10.38 N/A
HBAN Huntington Bancshares Incorpor..

+0.32 (+2.10%)

USD15.49B 13.33 N/A
SBNY Signature Bank

-2.31 (-0.96%)

USD13.92B 21.30 N/A
HBANO Huntington Bancshares Incorpor..

+0.03 (+0.12%)

USD13.18B 22.22 N/A
ZION Zions Bancorporation, National..

+1.93 (+3.38%)

USD9.36B 11.62 N/A
CBSH Commerce Bancshares, Inc

+2.38 (+3.10%)

USD9.00B 21.34 N/A
PBCT People's United Financial, Inc

+0.75 (+4.10%)

USD7.72B 35.36 N/A

ETFs Containing CLBK

Symbol Name Weight Mer Price(Change) Market Cap
CSA VictoryShares US Small Ca.. 0.00 % 0.35 %

+1.65 (+2.62%)

USD0.03B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.07% 29% F 66% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 14.07% 27% F 65% D
Trailing 12 Months  
Capital Gain 37.60% 20% F 42% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 37.60% 19% F 41% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -3.16% 22% F 20% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -3.16% 14% F 17% F
Risk Return Profile  
Volatility (Standard Deviation) 11.96% 93% A 89% B+
Risk Adjusted Return -26.39% 5% F 11% F
Market Capitalization 1.92B 79% C+ 73% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 26.94 8% F 37% F
Price/Book Ratio 1.98 8% F 65% D
Price / Cash Flow Ratio 40.10 10% F 11% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 7.33% 26% F 66% D
Return on Invested Capital 2.74% 41% F 60% D-
Return on Assets 0.83% 27% F 54% F
Debt to Equity Ratio 79.04% 16% F 27% F
Technical Ratios  
Short Ratio 11.33 7% F 7% F
Short Percent 4.83% 7% F 41% F
Beta 0.36 94% A 88% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector