Valuation dashboard for Columbia Financial, Inc. (CLBK) with P/E 52.59, P/B 0.88, EV/EBITDA 24.2 and dividend yield 0.45%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit.
Where would it trade at its usual multiples?
Versus its usual multiples: expensive · Current P/B 0.9× · Multiples range: $1.89 · $24.34.
At a P/B Kaplio accepts for its ROTCE 5.0% (0.1×) $2 (-83%); at its peers' median (1.9×) $24 (+118%). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Columbia Financial, Inc. reported revenue of $272.0M in the most recent fiscal year, growing at a 5-year CAGR of 1.5%. Net income reached $51.8M, with a -2.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 52.6%, operating margin 8.9%, net margin 8.8%.
At $11.16 (closing price, November 4, 2026), CLBK trades at a P/E of 52.59 and an ROE of 2.90%. Market capitalisation stands at $2.5B.
Balance sheet quality for CLBK: debt-to-equity ratio of 0.47, current ratio of 0.35 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 52.59 |
| Price / Book | 0.88 |
| Dividend Yield | 0.45% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CLBK | Columbia Financial, Inc. | $2.5B | 52.59 | 0.88 | 2.9% |
| UMBF | UMB Financial Corporation | $10.5B | 10.49 | 1.34 | 13.2% |
| COLB | Columbia Banking System, Inc. | $9.1B | 10.85 | 1.24 | 11.1% |
| CVBF | CVB Financial Corp. | $4.1B | 14.79 | 1.31 | 8.5% |
| FBNC | First Bancorp | $2.7B | 16.63 | 1.60 | 9.7% |
| CHCO | City Holding Company | $2.0B | 15.78 | 2.59 | 16.4% |
| PRK | Park National Corporation | $3.3B | 16.03 | 1.93 | 12.3% |
Price
| Price | $11.16 (closing price, November 4, 2026) |
| Market Cap | $2.5B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 2.90% |
| Return on Assets | 0.28% |
| Gross Margin | 52.61% |
| Operating Margin | 8.86% |
| Net Margin | 8.77% |
Related companies: UMBF · COLB · CVBF · FBNC · CHCO · PRK
Explore sector: Financial Services · Banks - Regional
More sections of CLBK: Overview · Financials · Estimates · Technical · Ownership
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