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STOCKS

Columbia Financial Inc (CLBK)

NASDAQ:CLBK

CLBK

Columbia Financial

RESEARCH TOOLSreports

Columbia Financial (CLBK) Ratios

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43 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.08	0.08	0.14	0.20	0.19
Quick Ratio	0.08	0.08	0.14	0.20	0.19
Cash Ratio	0.07	0.07	0.04	0.05	0.02
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	0.01	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	$ -9.48B	$ -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	1.02	1.02	1.00	1.47	1.07
Debt-to-Capital Ratio	0.50	0.50	0.50	0.60	0.52
Long-Term Debt-to-Capital Ratio	0.50	0.50	0.50	0.60	0.52
Financial Leverage Ratio	9.49	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	0.26	0.26	-0.06	0.24	2.72
Debt to Market Cap	0.64	0.74	0.67	0.77	0.49
Interest Debt Per Share	13.99	13.99	13.32	16.73	11.08
Net Debt to EBITDA	12.24	12.24	-584.91	18.33	7.28
Profitability Margins
Gross Profit Margin	50.25%	50.25%	36.49%	54.09%	85.77%
EBIT Margin	11.86%	11.86%	-3.51%	10.90%	34.37%
EBITDA Margin	13.57%	13.57%	-0.30%	14.28%	38.29%
Operating Profit Margin	11.86%	11.86%	-3.51%	10.90%	34.37%
Pretax Profit Margin	11.86%	11.86%	-3.51%	10.90%	34.37%
Net Profit Margin	10.20%	10.20%	-2.57%	8.54%	25.34%
Continuous Operations Profit Margin	10.20%	10.20%	-2.57%	8.54%	25.34%
Net Income Per EBT	86.05%	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)	0.47%	0.47%	-0.11%	0.34%	0.83%
Return on Equity (ROE)	4.58%	4.46%	-1.08%	3.47%	8.18%
Return on Capital Employed (ROCE)	0.99%	0.99%	-0.67%	1.65%	5.25%
Return on Invested Capital (ROIC)	0.86%	0.86%	-0.49%	1.29%	3.87%
Return on Tangible Assets	0.47%	0.47%	-0.11%	0.34%	0.84%
Earnings Yield	2.93%	3.28%	-0.72%	1.82%	3.78%
Efficiency Ratios
Receivables Turnover	12.23	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	6.11	6.11	5.54	5.05	4.05
Asset Turnover	0.05	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.09	-0.09	-0.07	-0.07	-0.05
Cash Conversion Cycle	29.84	29.84	32.52	34.00	36.38
Days of Sales Outstanding	29.84	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	29.84	29.84	32.52	34.00	36.38
Cash Flow Ratios
Operating Cash Flow Per Share	0.67	0.67	0.33	0.40	1.35
Free Cash Flow Per Share	0.34	0.58	0.25	0.32	1.28
CapEx Per Share	0.00	0.10	0.07	0.07	0.07
Free Cash Flow to Operating Cash Flow	0.51	0.86	0.78	0.81	0.95
Dividend Paid and CapEx Coverage Ratio	0.00	6.95	4.48	5.33	19.73
Capital Expenditure Coverage Ratio	0.00	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	3.22%	3.72%	1.61%	1.67%	5.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	34.23	30.45	-137.95	54.85	26.49
Price-to-Sales (P/S) Ratio	3.59	3.11	3.55	4.69	6.71
Price-to-Book (P/B) Ratio	1.53	1.36	1.49	1.90	2.17
Price-to-Free Cash Flow (P/FCF) Ratio	52.41	26.91	62.13	59.83	16.91
Price-to-Operating Cash Flow Ratio	25.91	23.04	48.24	48.61	16.06
Price-to-Earnings Growth (PEG) Ratio	0.14	-0.05	1.05	-0.96	-3.89
Price-to-Fair Value	1.53	1.36	1.49	1.90	2.17
Enterprise Value Multiple	38.70	35.13	-1.77K	51.14	24.81
Enterprise Value	2.66B	2.42B	2.40B	3.08B	3.23B
EV to EBITDA	38.66	35.13	-1.77K	51.14	24.81
EV to Sales	5.25	4.77	5.29	7.30	9.50
EV to Free Cash Flow	45.46	41.31	92.71	93.25	23.94
EV to Operating Cash Flow	38.92	35.37	71.99	75.76	22.72
Tangible Book Value Per Share	10.26	10.26	9.44	8.93	8.79
Shareholders’ Equity Per Share	11.44	11.44	10.63	10.13	9.98
Tax and Other Ratios
Effective Tax Rate	0.14	0.14	0.27	0.22	0.26
Revenue Per Share	5.00	5.00	4.46	4.11	3.22
Net Income Per Share	0.51	0.51	-0.11	0.35	0.82
Tax Burden	0.86	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	0.14	0.14	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