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Columbia Financial Inc (CLBK)
NASDAQ:CLBK
US Market
CLBK
Columbia Financial
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Columbia Financial (CLBK) Ratios

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Columbia Financial Ratios

CLBK's free cash flow for Q4 2025 was $0.51. For the 2025 fiscal year, CLBK's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.08 0.14 0.20 0.19
Quick Ratio
 0.00 0.08 0.14 0.20 0.19
Cash Ratio
 0.00 0.07 0.04 0.05 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.33B$ -9.48B$ -8.29B$ -8.05B$ -7.81B
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.10 0.14 0.11
Debt-to-Equity Ratio
 1.06 1.02 1.00 1.47 1.07
Debt-to-Capital Ratio
 0.51 0.50 0.50 0.60 0.52
Long-Term Debt-to-Capital Ratio
 0.51 0.50 0.50 0.60 0.52
Financial Leverage Ratio
 9.38 9.49 9.70 10.23 9.88
Debt Service Coverage Ratio
 0.26 0.26 0.01 0.27 2.32
Interest Coverage Ratio
 0.29 0.26 -0.06 0.24 2.72
Debt to Market Cap
 0.62 0.74 0.67 0.77 0.49
Interest Debt Per Share
 14.57 13.99 13.32 16.73 11.08
Net Debt to EBITDA
 13.45 12.24 -584.91 18.33 7.28
Profitability Margins
Gross Profit Margin
51.43%50.25%36.49%54.09%85.77%
EBIT Margin
13.14%11.86%-3.51%10.90%34.37%
EBITDA Margin
14.13%13.57%-0.30%14.28%38.29%
Operating Profit Margin
13.14%11.86%-3.51%10.90%34.37%
Pretax Profit Margin
13.14%11.86%-3.51%10.90%34.37%
Net Profit Margin
11.00%10.20%-2.57%8.54%25.34%
Continuous Operations Profit Margin
11.00%10.20%-2.57%8.54%25.34%
Net Income Per EBT
83.74%86.05%73.24%78.36%73.73%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.51%0.47%-0.11%0.34%0.83%
Return on Equity (ROE)
4.87%4.46%-1.08%3.47%8.18%
Return on Capital Employed (ROCE)
0.61%0.99%-0.67%1.65%5.25%
Return on Invested Capital (ROIC)
0.64%0.86%-0.49%1.29%3.87%
Return on Tangible Assets
0.51%0.47%-0.11%0.34%0.84%
Earnings Yield
2.90%3.28%-0.72%1.82%3.78%
Efficiency Ratios
Receivables Turnover
 12.17 12.23 11.23 10.73 10.03
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.16 6.11 5.54 5.05 4.05
Asset Turnover
 0.05 0.05 0.04 0.04 0.03
Working Capital Turnover Ratio
 0.26 -0.09 -0.07 -0.07 -0.05
Cash Conversion Cycle
 29.99 29.84 32.52 34.00 36.38
Days of Sales Outstanding
 29.99 29.84 32.52 34.00 36.38
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 29.99 29.84 32.52 34.00 36.38
Cash Flow Ratios
Operating Cash Flow Per Share
 0.68 0.67 0.33 0.40 1.35
Free Cash Flow Per Share
 0.58 0.58 0.25 0.32 1.28
CapEx Per Share
 0.10 0.10 0.07 0.07 0.07
Free Cash Flow to Operating Cash Flow
 0.86 0.86 0.78 0.81 0.95
Dividend Paid and CapEx Coverage Ratio
 6.95 6.95 4.48 5.33 19.73
Capital Expenditure Coverage Ratio
 6.95 6.95 4.48 5.33 19.73
Operating Cash Flow Coverage Ratio
 0.06 0.06 0.03 0.03 0.13
Operating Cash Flow to Sales Ratio
 0.13 0.13 0.07 0.10 0.42
Free Cash Flow Yield
2.95%3.72%1.61%1.67%5.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 34.83 30.45 -137.95 54.85 26.49
Price-to-Sales (P/S) Ratio
 3.94 3.11 3.55 4.69 6.71
Price-to-Book (P/B) Ratio
 1.66 1.36 1.49 1.90 2.17
Price-to-Free Cash Flow (P/FCF) Ratio
 34.23 26.91 62.13 59.83 16.91
Price-to-Operating Cash Flow Ratio
 28.50 23.04 48.24 48.61 16.06
Price-to-Earnings Growth (PEG) Ratio
 <0.01 -0.05 1.05 -0.96 -3.89
Price-to-Fair Value
 1.66 1.36 1.49 1.90 2.17
Enterprise Value Multiple
 41.33 35.13 -1.77K 51.14 24.81
Enterprise Value
 2.95B 2.42B 2.40B 3.08B 3.23B
EV to EBITDA
 41.03 35.13 -1.77K 51.14 24.81
EV to Sales
 5.80 4.77 5.29 7.30 9.50
EV to Free Cash Flow
 50.37 41.31 92.71 93.25 23.94
EV to Operating Cash Flow
 43.12 35.37 71.99 75.76 22.72
Tangible Book Value Per Share
 10.41 10.26 9.44 8.93 8.79
Shareholders’ Equity Per Share
 11.59 11.44 10.63 10.13 9.98
Tax and Other Ratios
Effective Tax Rate
 0.16 0.14 0.27 0.22 0.26
Revenue Per Share
 5.02 5.00 4.46 4.11 3.22
Net Income Per Share
 0.55 0.51 -0.11 0.35 0.82
Tax Burden
 0.84 0.86 0.73 0.78 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.09 0.15 0.26 0.31 0.35
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.03 0.04
Income Quality
 1.32 1.32 -2.86 1.13 1.65
Currency in USD