Obermatt

Columbia Financial

NSQ:CLBK · US1976411033
BanksSmall

360

14
Profit price5
Cash yield1
Price/Sales3
EV / Gross Profit9
Price/Book3
Returns on capital12
Profit margins
Cash Conversion57
Accruals36
Owner Earnings Margin29
Sales growth95
Profit Growth78
Owner Earnings Growth100
Reinvestment51
Price momentum70
Debt load10
Debt serviceability51
Liquidity8
Analyst ratings1
Opinion Changes50
Price Target Upside1
Market mood51
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Columbia Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1991
ISINUS1976411033
Last UpdateApr 2, 2026
Themes
BankingFinancial ServicesMortgage

Description

Columbia Financial, Inc. (Columbia Financial) operates as a bank holding company for Columbia Bank, which provides banking and other financial services to businesses and consumers in the United States. The company is a wholly owned subsidiary of Colu…

Analysis

Story stock

Columbia Financial, Inc. is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 36.9× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is solid and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
12
2023202420252026

All-time high

17

Mar 2026

All-time low

1

Jan 2024

Average rank

8

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
3
1
1
1
Price/Earnings
3
3
1
1
Price/Book
3
7
3
1
Dividend Yield
1
1
1
1
Value (overall)
1
1
1
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →