XNASCLBK
Market cap1.56bUSD
Jan 10, Last price
14.93USD
1D
-3.18%
1Q
-11.08%
IPO
-3.37%
Name
Columbia Financial Inc
Chart & Performance
P/E
43.33
P/S
6.70
EPS
0.34
Div Yield, %
0.00%
Shrs. gr., 5y
-1.58%
Rev. gr., 5y
4.66%
Revenues
233m
-21.51%
Net income
36m
-58.12%
CFO
41m
-71.36%
Earnings
Jan 23, 2025
Profile
Columbia Financial, Inc., a bank holding company, 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, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
IPO date
Apr 20, 2018
Employees
748
Domiciled in
US
Incorporated in
US
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑09 | 2016‑09 | |
| Income | ||||||||
Revenues | 233,255 -21.51% | 297,177 9.27% | ||||||
Cost of revenue | (56,117) | 122,382 | ||||||
Unusual Expense (Income) | ||||||||
NOPBT | 289,372 | 174,795 | ||||||
NOPBT Margin | 124.06% | 58.82% | ||||||
Operating Taxes | 9,965 | 30,703 | ||||||
Tax Rate | 3.44% | 17.57% | ||||||
NOPAT | 279,407 | 144,092 | ||||||
Net income | 36,086 -58.12% | 86,173 -6.38% | ||||||
Dividends | ||||||||
Dividend yield | ||||||||
Proceeds from repurchase of equity | (81,110) | (95,986) | ||||||
BB yield | 4.09% | 4.18% | ||||||
| Debt | ||||||||
Debt current | 911,199 | 680,710 | ||||||
Long-term debt | 646,362 | 1,141,372 | ||||||
Deferred revenue | ||||||||
Other long-term liabilities | 1,322,788 | (1,127,047) | ||||||
Net debt | (364,478) | (1,439,321) | ||||||
| Cash flow | ||||||||
Cash from operating activities | 40,716 | 142,158 | ||||||
CAPEX | (7,635) | (7,204) | ||||||
Cash from investing activities | 39,645 | (614,725) | ||||||
Cash from financing activities | 163,660 | 580,832 | ||||||
FCF | (4,562,173) | 548,629 | ||||||
| Balance | ||||||||
Cash | 423,249 | 1,507,862 | ||||||
Long term investments | 1,498,790 | 1,753,541 | ||||||
Excess cash | 1,910,376 | 3,246,544 | ||||||
Stockholders' equity | 736,181 | 679,531 | ||||||
Invested Capital | 10,712,873 | 4,611,078 | ||||||
ROIC | 3.65% | 3.58% | ||||||
ROCE | 2.53% | 3.30% | ||||||
| EV | ||||||||
Common stock shares outstanding | 102,895 | 106,193 | ||||||
Price | 19.28 -10.82% | 21.62 3.64% | ||||||
Market cap | 1,983,815 -13.59% | 2,295,896 5.67% | ||||||
EV | 1,619,337 | 856,575 | ||||||
EBITDA | 303,405 | 188,146 | ||||||
EV/EBITDA | 5.34 | 4.55 | ||||||
Interest | 189,102 | 42,893 | ||||||
Interest/NOPBT | 65.35% | 24.54% | ||||||