CLBK PEER ANALYSIS

Columbia Financial Inc — metric-by-metric comparison with peers and the industry median

CLBKColumbia Financial Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CLBKIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CLBK	KLNMA	BFL	BOQ	EQB	LB	Ind. Median
P/E	38.81	10.20	3.26●	40.81	25.58	116.67	12.96
P/B	1.85	2.79	0.74	0.69	1.53	0.68●	1.29
EV/EBITDA	39.38	7.18	-1.43●	67.01	54.45	306.42	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CLBK	KLNMA	BFL	BOQ	EQB	LB	Ind. Median
Current Ratio	2,312.41●	—	33.68	0.05	0.09	0.01	0.31
Debt/Equity	105.9%	0.0%●	9.1%	258.4%	496.5%	744.5%	38.0%
NetDebt/EBITDA	12.13	-0.00	-3.30●	49.89	40.36	280.57	-0.58

Profitability
Metric	CLBK	KLNMA	BFL	BOQ	EQB	LB	Ind. Median
Net Margin	11.0%	58.1%●	30.2%	2.0%	6.6%	1.4%	20.6%
ROE	4.9%	34.1%●	24.2%	1.6%	6.1%	1.0%	10.9%
ROA	0.5%	5.4%●	2.9%	0.1%	0.4%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CLBK	KLNMA	BFL	BOQ	EQB	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	42.3%●	—	-67.9%	-49.0%	-80.9%	19.4%
Div. Yield	—	—	22.5%●	6.5%	1.6%	4.7%	2.5%
Payout	—	—	68.7%	256.1%	43.2%	335.1%	31.4%

Valuation
Metric	CLBK	OFG	FCF	NWBI	MBIN	STEL	Ind. Median
P/E	38.81	10.00	13.35	16.67	9.65●	19.13	12.96
P/B	1.85	1.56	1.35	1.17	0.95●	1.21	1.29
EV/EBITDA	39.38	6.92	10.32	0.77●	25.29	0.97	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CLBK	OFG	FCF	NWBI	MBIN	STEL	Ind. Median
Current Ratio	2,312.41●	8.02	4.39	0.19	0.02	0.23	0.31
Debt/Equity	105.9%	42.3%	12.6%	31.3%	205.5%	10.5%●	38.0%
NetDebt/EBITDA	12.13	-0.19	0.37	-11.93●	17.30	-11.67	-0.58

Profitability
Metric	CLBK	OFG	FCF	NWBI	MBIN	STEL	Ind. Median
Net Margin	11.0%	24.2%●	21.3%	14.7%	16.7%	17.8%	20.6%
ROE	4.9%	16.0%●	10.5%	7.5%	10.2%	6.4%	10.9%
ROA	0.5%	1.8%●	1.3%	0.8%	1.2%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CLBK	OFG	FCF	NWBI	MBIN	STEL	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	10.0%	14.1%	16.2%●	-21.7%	-7.4%	19.4%
Div. Yield	—	2.5%	2.6%	5.2%●	0.8%	1.5%	2.5%
Payout	—	25.1%	35.7%	85.5%	26.2%	26.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.