Annual Income Statements for Columbia Financial
This table shows Columbia Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Columbia Financial
This table shows Columbia Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Income / (Loss) Attributable to Common Shareholders |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-1.16 |
4.54 |
6.19 |
-21 |
Consolidated Net Income / (Loss) |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-1.16 |
4.54 |
6.19 |
-21 |
Net Income / (Loss) Continuing Operations |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-1.16 |
4.54 |
6.19 |
-21 |
Total Pre-Tax Income |
|
28 |
30 |
25 |
1.92 |
12 |
7.43 |
-1.28 |
4.82 |
7.32 |
-27 |
Total Revenue |
|
77 |
76 |
69 |
51 |
57 |
57 |
50 |
53 |
54 |
23 |
Net Interest Income / (Expense) |
|
69 |
68 |
61 |
51 |
49 |
45 |
42 |
44 |
45 |
46 |
Total Interest Income |
|
80 |
88 |
93 |
96 |
98 |
108 |
109 |
113 |
116 |
114 |
Loans and Leases Interest Income |
|
69 |
76 |
80 |
84 |
88 |
92 |
93 |
95 |
98 |
96 |
Investment Securities Interest Income |
|
11 |
12 |
12 |
10 |
10 |
11 |
12 |
14 |
14 |
14 |
Federal Funds Sold and Securities Borrowed Interest Income |
|
0.15 |
0.23 |
0.81 |
1.80 |
0.75 |
4.83 |
3.56 |
4.46 |
3.85 |
3.31 |
Total Interest Expense |
|
11 |
20 |
32 |
45 |
50 |
62 |
66 |
69 |
71 |
67 |
Deposits Interest Expense |
|
6.97 |
12 |
17 |
29 |
36 |
43 |
48 |
50 |
52 |
52 |
Long-Term Debt Interest Expense |
|
3.81 |
7.99 |
15 |
16 |
14 |
19 |
18 |
19 |
18 |
15 |
Total Non-Interest Income |
|
8.16 |
7.53 |
8.07 |
-0.55 |
8.60 |
11 |
7.45 |
9.18 |
8.98 |
-24 |
Other Service Charges |
|
4.49 |
3.84 |
4.67 |
5.38 |
4.30 |
4.30 |
4.48 |
4.76 |
4.49 |
4.18 |
Net Realized & Unrealized Capital Gains on Investments |
|
-0.00 |
-0.01 |
-0.50 |
-9.68 |
0.40 |
0.15 |
-0.72 |
0.18 |
0.43 |
-35 |
Other Non-Interest Income |
|
3.68 |
3.70 |
3.91 |
3.75 |
3.91 |
6.79 |
3.70 |
4.24 |
4.05 |
6.94 |
Provision for Credit Losses |
|
1.52 |
0.97 |
0.18 |
1.08 |
2.38 |
1.16 |
5.28 |
2.19 |
4.10 |
2.88 |
Total Non-Interest Expense |
|
48 |
45 |
44 |
48 |
43 |
48 |
46 |
46 |
43 |
47 |
Salaries and Employee Benefits |
|
32 |
31 |
31 |
32 |
29 |
28 |
28 |
28 |
28 |
27 |
Net Occupancy & Equipment Expense |
|
9.64 |
9.08 |
9.58 |
9.34 |
9.30 |
9.74 |
9.94 |
9.97 |
9.72 |
9.43 |
Marketing Expense |
|
0.77 |
0.65 |
0.69 |
0.79 |
0.83 |
0.50 |
0.63 |
0.66 |
0.77 |
0.46 |
Property & Liability Insurance Claims |
|
0.65 |
0.67 |
0.69 |
1.73 |
1.20 |
5.02 |
2.36 |
1.88 |
1.52 |
1.83 |
Other Operating Expenses |
|
4.06 |
3.45 |
1.88 |
3.02 |
2.79 |
3.57 |
5.20 |
5.39 |
3.07 |
3.92 |
Restructuring Charge |
|
1.20 |
0.13 |
0.00 |
0.27 |
0.01 |
0.33 |
0.02 |
0.69 |
0.02 |
0.93 |
Income Tax Expense |
|
7.04 |
8.55 |
6.14 |
0.26 |
2.71 |
0.87 |
-0.13 |
0.28 |
1.13 |
-5.54 |
Basic Earnings per Share |
|
$0.20 |
$0.20 |
$0.18 |
$0.02 |
$0.09 |
$0.06 |
($0.01) |
$0.04 |
$0.06 |
($0.20) |
Weighted Average Basic Shares Outstanding |
|
106.93M |
105.58M |
104.63M |
102.41M |
101.97M |
102.66M |
101.75M |
101.65M |
101.62M |
101.68M |
Diluted Earnings per Share |
|
$0.19 |
$0.20 |
$0.18 |
$0.02 |
$0.09 |
$0.06 |
($0.01) |
$0.04 |
$0.06 |
($0.20) |
Weighted Average Diluted Shares Outstanding |
|
107.53M |
106.19M |
105.15M |
102.52M |
102.10M |
102.89M |
101.99M |
101.65M |
101.83M |
101.84M |
Weighted Average Basic & Diluted Shares Outstanding |
|
109.58M |
107.97M |
105.81M |
105.37M |
104.91M |
104.92M |
104.81M |
104.73M |
104.72M |
104.73M |
Annual Cash Flow Statements for Columbia Financial
This table details how cash moves in and out of Columbia Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
2.52 |
55 |
-23 |
33 |
347 |
-352 |
108 |
244 |
-134 |
Net Cash From Operating Activities |
|
59 |
36 |
57 |
22 |
49 |
99 |
142 |
41 |
33 |
Net Cash From Continuing Operating Activities |
|
59 |
36 |
57 |
22 |
49 |
99 |
142 |
41 |
33 |
Net Income / (Loss) Continuing Operations |
|
33 |
31 |
23 |
55 |
58 |
92 |
86 |
36 |
-12 |
Consolidated Net Income / (Loss) |
|
33 |
31 |
23 |
55 |
58 |
92 |
86 |
36 |
-12 |
Provision For Loan Losses |
|
0.42 |
6.43 |
6.68 |
4.22 |
18 |
-9.95 |
5.49 |
4.79 |
14 |
Depreciation Expense |
|
3.18 |
3.36 |
3.84 |
4.88 |
6.54 |
6.72 |
7.32 |
7.77 |
8.22 |
Amortization Expense |
|
2.81 |
2.52 |
3.98 |
2.48 |
4.86 |
12 |
15 |
14 |
9.95 |
Non-Cash Adjustments to Reconcile Net Income |
|
17 |
-4.07 |
26 |
5.24 |
11 |
17 |
18 |
15 |
33 |
Changes in Operating Assets and Liabilities, net |
|
2.90 |
-3.37 |
-6.67 |
-50 |
-49 |
-18 |
10 |
-36 |
-21 |
Net Cash From Investing Activities |
|
-291 |
-330 |
-943 |
-521 |
258 |
-444 |
-615 |
40 |
39 |
Net Cash From Continuing Investing Activities |
|
-291 |
-330 |
-943 |
-522 |
258 |
-444 |
-615 |
40 |
39 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-3.67 |
-6.53 |
-13 |
-19 |
-4.62 |
-5.49 |
-7.20 |
-7.64 |
-7.45 |
Purchase of Investment Securities |
|
-597 |
-679 |
-1,125 |
-951 |
-409 |
-1,287 |
-290 |
-253 |
-562 |
Sale of Property, Leasehold Improvements and Equipment |
|
0.00 |
0.02 |
0.01 |
0.00 |
0.00 |
1.88 |
1.77 |
0.00 |
1.22 |
Divestitures |
|
- |
- |
- |
- |
155 |
20 |
141 |
0.00 |
0.00 |
Sale and/or Maturity of Investments |
|
310 |
355 |
195 |
449 |
516 |
827 |
528 |
612 |
605 |
Other Investing Activities, net |
|
0.00 |
0.00 |
- |
- |
- |
- |
-988 |
-311 |
2.25 |
Net Cash From Financing Activities |
|
234 |
350 |
863 |
533 |
41 |
-7.09 |
581 |
164 |
-207 |
Net Cash From Continuing Financing Activities |
|
234 |
350 |
863 |
533 |
41 |
-7.09 |
581 |
164 |
-207 |
Net Change in Deposits |
|
250 |
301 |
151 |
449 |
800 |
581 |
-72 |
-155 |
250 |
Issuance of Debt |
|
34 |
168 |
521 |
140 |
90 |
-177 |
783 |
536 |
271 |
Issuance of Common Equity |
|
0.00 |
0.00 |
492 |
1.11 |
- |
0.00 |
0.00 |
0.01 |
0.00 |
Repayment of Debt |
|
-55 |
-117 |
-210 |
-4.92 |
-737 |
-307 |
-39 |
-135 |
-723 |
Repurchase of Common Equity |
|
- |
- |
0.00 |
-55 |
-108 |
-108 |
-94 |
-80 |
-5.89 |
Other Financing Activities, Net |
|
4.51 |
-2.06 |
-39 |
3.12 |
-4.12 |
3.02 |
2.64 |
-2.60 |
1.03 |
Cash Interest Paid |
|
45 |
44 |
62 |
87 |
76 |
38 |
41 |
184 |
274 |
Cash Income Taxes Paid |
|
8.04 |
28 |
21 |
-2.89 |
11 |
16 |
16 |
9.25 |
0.94 |
Quarterly Cash Flow Statements for Columbia Financial
This table details how cash moves in and out of Columbia Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Net Change in Cash & Equivalents |
|
-7.10 |
77 |
140 |
-226 |
111 |
219 |
-50 |
18 |
-108 |
5.72 |
Net Cash From Operating Activities |
|
37 |
30 |
-3.61 |
34 |
43 |
-32 |
14 |
19 |
-28 |
29 |
Net Cash From Continuing Operating Activities |
|
37 |
30 |
-3.61 |
34 |
43 |
-32 |
14 |
19 |
-28 |
29 |
Net Income / (Loss) Continuing Operations |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-1.16 |
4.54 |
6.19 |
-21 |
Consolidated Net Income / (Loss) |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-1.16 |
4.54 |
6.19 |
-21 |
Provision For Loan Losses |
|
1.52 |
0.97 |
0.18 |
1.08 |
2.38 |
1.16 |
5.28 |
2.19 |
4.10 |
2.88 |
Depreciation Expense |
|
1.85 |
1.86 |
1.87 |
1.95 |
1.99 |
1.96 |
2.01 |
2.06 |
2.05 |
2.10 |
Amortization Expense |
|
3.87 |
3.49 |
3.51 |
3.61 |
3.53 |
2.90 |
2.73 |
2.36 |
2.50 |
2.36 |
Non-Cash Adjustments to Reconcile Net Income |
|
-4.04 |
17 |
1.35 |
8.11 |
1.19 |
4.08 |
1.96 |
2.72 |
-0.13 |
29 |
Changes in Operating Assets and Liabilities, net |
|
13 |
-16 |
-29 |
17 |
25 |
-49 |
3.32 |
4.70 |
-43 |
14 |
Net Cash From Investing Activities |
|
-306 |
-321 |
-64 |
308 |
-142 |
-63 |
-49 |
-104 |
13 |
180 |
Net Cash From Continuing Investing Activities |
|
-306 |
-321 |
-64 |
308 |
-142 |
-63 |
-49 |
-104 |
13 |
180 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-2.48 |
-2.34 |
-1.73 |
-1.09 |
-2.50 |
-2.32 |
-1.67 |
-1.38 |
-2.78 |
-1.62 |
Purchase of Investment Securities |
|
-388 |
589 |
-62 |
-23 |
-90 |
-78 |
-149 |
-138 |
-30 |
-245 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
0.76 |
- |
- |
- |
- |
- |
- |
- |
-0.05 |
Sale and/or Maturity of Investments |
|
84 |
79 |
130 |
367 |
50 |
64 |
52 |
45 |
95 |
413 |
Other Investing Activities, net |
|
- |
- |
-131 |
-35 |
-99 |
-47 |
49 |
-9.81 |
-50 |
13 |
Net Cash From Financing Activities |
|
261 |
368 |
207 |
-568 |
210 |
314 |
-15 |
103 |
-92 |
-203 |
Net Cash From Continuing Financing Activities |
|
261 |
368 |
207 |
-568 |
210 |
314 |
-15 |
103 |
-92 |
-203 |
Net Change in Deposits |
|
32 |
-64 |
-327 |
40 |
-11 |
143 |
-17 |
-48 |
177 |
138 |
Issuance of Debt |
|
291 |
492 |
590 |
-328 |
50 |
225 |
17 |
208 |
-158 |
204 |
Repayment of Debt |
|
-37 |
-39 |
-10 |
-258 |
186 |
-53 |
-15 |
-55 |
-105 |
-547 |
Other Financing Activities, Net |
|
-6.06 |
0.95 |
2.11 |
0.45 |
-6.11 |
0.95 |
2.21 |
1.88 |
-5.55 |
2.49 |
Cash Interest Paid |
|
10 |
18 |
28 |
46 |
50 |
60 |
66 |
69 |
71 |
69 |
Cash Income Taxes Paid |
|
1.31 |
2.50 |
0.58 |
5.47 |
0.23 |
2.97 |
0.66 |
0.01 |
-0.05 |
0.32 |
Annual Balance Sheets for Columbia Financial
This table presents Columbia Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2017 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
5,429 |
8,189 |
8,799 |
9,224 |
10,408 |
10,646 |
10,475 |
Cash and Due from Banks |
|
101 |
75 |
423 |
71 |
179 |
846 |
578 |
Interest Bearing Deposits at Other Banks |
|
- |
0.13 |
0.17 |
0.26 |
0.13 |
0.11 |
0.11 |
Trading Account Securities |
|
690 |
1,387 |
1,585 |
2,136 |
1,754 |
1,098 |
1,033 |
Loans and Leases, Net of Allowance |
|
0.00 |
-62 |
6,107 |
6,298 |
7,625 |
7,819 |
7,857 |
Loans and Leases |
|
- |
- |
6,182 |
6,361 |
7,678 |
7,875 |
7,917 |
Allowance for Loan and Lease Losses |
|
- |
62 |
75 |
63 |
53 |
55 |
60 |
Premises and Equipment, Net |
|
41 |
73 |
76 |
79 |
84 |
84 |
82 |
Intangible Assets |
|
6.02 |
69 |
87 |
92 |
125 |
123 |
121 |
Other Assets |
|
284 |
6,646 |
516 |
6,846 |
642 |
697 |
701 |
Total Liabilities & Shareholders' Equity |
|
5,429 |
8,189 |
8,799 |
9,224 |
10,408 |
10,646 |
10,475 |
Total Liabilities |
|
4,953 |
7,206 |
7,787 |
8,145 |
9,355 |
9,605 |
9,395 |
Non-Interest Bearing Deposits |
|
4,123 |
5,646 |
6,779 |
7,570 |
8,001 |
7,847 |
8,096 |
Interest Bearing Deposits |
|
27 |
36 |
33 |
36 |
45 |
44 |
45 |
Long-Term Debt |
|
733 |
1,407 |
799 |
377 |
1,127 |
1,529 |
1,081 |
Other Long-Term Liabilities |
|
70 |
118 |
177 |
161 |
181 |
186 |
173 |
Total Equity & Noncontrolling Interests |
|
476 |
983 |
1,011 |
1,079 |
1,054 |
1,040 |
1,080 |
Total Preferred & Common Equity |
|
476 |
983 |
1,011 |
1,079 |
1,054 |
1,040 |
1,080 |
Preferred Stock |
|
- |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
476 |
983 |
1,011 |
1,079 |
1,054 |
1,038 |
1,078 |
Common Stock |
|
- |
531 |
609 |
667 |
779 |
790 |
798 |
Retained Earnings |
|
522 |
615 |
673 |
765 |
858 |
894 |
882 |
Treasury Stock |
|
- |
-55 |
-163 |
-272 |
-372 |
-454 |
-461 |
Accumulated Other Comprehensive Income / (Loss) |
|
-46 |
-69 |
-70 |
-46 |
-179 |
-159 |
-110 |
Other Equity Adjustments |
|
- |
-41 |
-38 |
-35 |
-32 |
-32 |
-30 |
Quarterly Balance Sheets for Columbia Financial
This table presents Columbia Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Total Assets |
|
10,012 |
10,635 |
10,085 |
10,324 |
10,638 |
10,764 |
10,687 |
Cash and Due from Banks |
|
102 |
319 |
93 |
204 |
747 |
782 |
283 |
Interest Bearing Deposits at Other Banks |
|
0.13 |
0.11 |
0.11 |
0.11 |
0.11 |
0.11 |
0.11 |
Trading Account Securities |
|
1,800 |
1,693 |
1,417 |
1,434 |
1,192 |
1,268 |
1,678 |
Loans and Leases, Net of Allowance |
|
7,274 |
7,734 |
7,707 |
7,786 |
7,760 |
7,762 |
7,799 |
Loans and Leases |
|
7,326 |
7,787 |
7,760 |
7,841 |
7,816 |
7,819 |
7,857 |
Allowance for Loan and Lease Losses |
|
52 |
53 |
53 |
54 |
55 |
57 |
58 |
Premises and Equipment, Net |
|
84 |
84 |
83 |
83 |
83 |
83 |
82 |
Intangible Assets |
|
126 |
125 |
125 |
124 |
123 |
122 |
122 |
Other Assets |
|
625 |
8,414 |
661 |
691 |
708 |
727 |
722 |
Total Liabilities & Shareholders' Equity |
|
10,012 |
10,635 |
10,085 |
10,324 |
10,638 |
10,764 |
10,687 |
Total Liabilities |
|
8,983 |
9,596 |
9,062 |
9,316 |
9,599 |
9,717 |
9,607 |
Non-Interest Bearing Deposits |
|
8,065 |
7,674 |
7,714 |
7,703 |
7,829 |
7,782 |
7,958 |
Interest Bearing Deposits |
|
44 |
48 |
48 |
42 |
46 |
48 |
43 |
Long-Term Debt |
|
674 |
1,707 |
1,120 |
1,356 |
1,530 |
1,684 |
1,421 |
Other Long-Term Liabilities |
|
199 |
167 |
180 |
214 |
194 |
204 |
186 |
Total Equity & Noncontrolling Interests |
|
1,030 |
1,039 |
1,023 |
1,007 |
1,038 |
1,047 |
1,079 |
Total Preferred & Common Equity |
|
1,030 |
1,039 |
1,023 |
1,007 |
1,038 |
1,047 |
1,079 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
1,030 |
1,039 |
1,023 |
1,007 |
1,036 |
1,045 |
1,079 |
Common Stock |
|
778 |
782 |
785 |
788 |
792 |
795 |
796 |
Retained Earnings |
|
836 |
876 |
878 |
887 |
892 |
897 |
903 |
Treasury Stock |
|
-349 |
-420 |
-442 |
-452 |
-456 |
-460 |
-461 |
Accumulated Other Comprehensive Income / (Loss) |
|
-201 |
-168 |
-166 |
-185 |
-161 |
-155 |
-131 |
Other Equity Adjustments |
|
-33 |
-32 |
-32 |
-31 |
-32 |
-31 |
-28 |
Annual Metrics And Ratios for Columbia Financial
This table displays calculated financial ratios and metrics derived from Columbia Financial's official financial filings.
Metric |
|
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
0.00% |
9.04% |
18.33% |
9.85% |
23.94% |
7.56% |
9.27% |
-21.51% |
-22.88% |
EBITDA Growth |
|
0.00% |
-4.99% |
-21.69% |
89.12% |
11.76% |
64.75% |
-3.71% |
-51.55% |
-96.64% |
EBIT Growth |
|
0.00% |
-5.38% |
-28.51% |
111.18% |
7.28% |
65.47% |
-7.37% |
-60.60% |
-134.55% |
NOPAT Growth |
|
0.00% |
-5.71% |
-26.83% |
140.66% |
5.27% |
59.80% |
-6.38% |
-58.12% |
-130.86% |
Net Income Growth |
|
0.00% |
-5.71% |
-26.83% |
140.66% |
5.27% |
59.80% |
-6.38% |
-58.12% |
-132.29% |
EPS Growth |
|
0.00% |
0.00% |
0.00% |
145.00% |
6.12% |
69.23% |
-7.95% |
-56.79% |
-131.43% |
Operating Cash Flow Growth |
|
0.00% |
-38.91% |
57.03% |
-61.44% |
124.73% |
101.26% |
44.02% |
-71.36% |
-18.16% |
Free Cash Flow Firm Growth |
|
0.00% |
0.00% |
204.57% |
-289.56% |
127.26% |
-29.88% |
-242.97% |
44.79% |
212.66% |
Invested Capital Growth |
|
0.00% |
0.00% |
-100.00% |
0.00% |
-24.23% |
-19.57% |
49.73% |
17.81% |
-15.88% |
Revenue Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
-0.26% |
2.76% |
-7.65% |
-15.85% |
EBITDA Q/Q Growth |
|
0.00% |
0.00% |
4,826.01% |
505.81% |
570.46% |
7.61% |
-1.55% |
-25.86% |
-93.85% |
EBIT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
3.91% |
-1.28% |
-33.31% |
-187.01% |
NOPAT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
3.00% |
-1.65% |
-29.80% |
-169.01% |
Net Income Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
3.00% |
-1.65% |
-29.80% |
-172.20% |
EPS Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
4.76% |
-2.41% |
-28.57% |
-173.33% |
Operating Cash Flow Q/Q Growth |
|
0.00% |
0.00% |
485.92% |
-74.73% |
28,086.21% |
-8.94% |
-0.89% |
-60.52% |
218.78% |
Free Cash Flow Firm Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-6,015.94% |
619.91% |
30.73% |
-487.98% |
42.11% |
430.76% |
Invested Capital Q/Q Growth |
|
0.00% |
0.00% |
-100.00% |
12.66% |
-10.92% |
-18.20% |
28.00% |
8.69% |
-13.55% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
38.73% |
33.74% |
22.33% |
38.45% |
34.67% |
53.10% |
46.79% |
28.88% |
1.26% |
EBIT Margin |
|
34.57% |
30.00% |
18.12% |
34.84% |
30.16% |
46.40% |
39.33% |
19.74% |
-8.85% |
Profit (Net Income) Margin |
|
22.89% |
19.80% |
12.24% |
26.82% |
22.78% |
33.85% |
29.00% |
15.47% |
-6.48% |
Tax Burden Percent |
|
66.23% |
66.00% |
67.55% |
76.98% |
75.54% |
72.95% |
73.73% |
78.36% |
73.24% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
33.77% |
34.00% |
32.45% |
23.02% |
24.46% |
27.05% |
26.27% |
21.64% |
0.00% |
Return on Invested Capital (ROIC) |
|
0.00% |
5.14% |
3.76% |
4.58% |
2.74% |
5.64% |
4.74% |
1.52% |
-0.47% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
5.14% |
3.76% |
4.58% |
2.74% |
5.64% |
4.74% |
1.52% |
-0.51% |
Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
7.92% |
5.79% |
6.56% |
3.04% |
3.17% |
3.34% |
1.93% |
-0.63% |
Return on Equity (ROE) |
|
0.00% |
13.06% |
9.55% |
11.14% |
5.78% |
8.81% |
8.08% |
3.45% |
-1.10% |
Cash Return on Invested Capital (CROIC) |
|
0.00% |
-194.86% |
203.76% |
-195.42% |
30.31% |
27.32% |
-35.09% |
-14.83% |
16.78% |
Operating Return on Assets (OROA) |
|
0.00% |
0.87% |
1.24% |
1.74% |
0.90% |
1.40% |
1.19% |
0.44% |
-0.15% |
Return on Assets (ROA) |
|
0.00% |
0.57% |
0.84% |
1.34% |
0.68% |
1.02% |
0.88% |
0.34% |
-0.11% |
Return on Common Equity (ROCE) |
|
0.00% |
13.06% |
9.55% |
11.14% |
5.78% |
8.81% |
8.08% |
3.44% |
-1.10% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
6.53% |
0.00% |
5.57% |
5.70% |
8.53% |
8.18% |
3.47% |
-1.08% |
Net Operating Profit after Tax (NOPAT) |
|
33 |
31 |
23 |
55 |
58 |
92 |
86 |
36 |
-11 |
NOPAT Margin |
|
22.89% |
19.80% |
12.24% |
26.82% |
22.78% |
33.85% |
29.00% |
15.47% |
-6.19% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.04% |
SG&A Expenses to Revenue |
|
52.79% |
52.65% |
45.21% |
55.41% |
52.52% |
49.07% |
52.41% |
69.29% |
83.98% |
Operating Expenses to Revenue |
|
65.14% |
65.91% |
78.28% |
63.09% |
62.54% |
57.26% |
58.83% |
78.21% |
100.81% |
Earnings before Interest and Taxes (EBIT) |
|
50 |
47 |
34 |
71 |
76 |
126 |
117 |
46 |
-16 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
56 |
53 |
41 |
78 |
88 |
144 |
139 |
67 |
2.27 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.00 |
0.00 |
0.00 |
1.97 |
1.73 |
2.05 |
2.25 |
1.95 |
1.54 |
Price to Tangible Book Value (P/TBV) |
|
0.00 |
0.00 |
0.00 |
2.12 |
1.90 |
2.25 |
2.55 |
2.21 |
1.73 |
Price to Revenue (P/Rev) |
|
0.00 |
0.00 |
9.54 |
9.48 |
6.93 |
8.15 |
7.97 |
8.67 |
9.20 |
Price to Earnings (P/E) |
|
0.00 |
0.00 |
77.94 |
35.34 |
30.43 |
24.09 |
27.49 |
56.05 |
0.00 |
Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Earnings Yield |
|
0.00% |
0.00% |
1.28% |
2.83% |
3.29% |
4.15% |
3.64% |
1.78% |
0.00% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.00 |
0.00 |
1.37 |
1.18 |
1.73 |
1.52 |
1.05 |
1.00 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
0.00 |
9.54 |
16.01 |
8.42 |
9.28 |
11.16 |
11.60 |
12.00 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
42.72 |
41.63 |
24.29 |
17.47 |
23.85 |
40.15 |
952.69 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
52.64 |
45.94 |
27.92 |
20.00 |
28.38 |
58.74 |
0.00 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
77.94 |
59.68 |
36.97 |
27.41 |
38.49 |
74.96 |
0.00 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
0.00 |
31.31 |
149.63 |
43.42 |
25.57 |
23.33 |
66.43 |
64.76 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
1.44 |
0.00 |
3.35 |
5.65 |
0.00 |
0.00 |
5.44 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.00 |
1.54 |
0.00 |
1.43 |
0.79 |
0.35 |
1.07 |
1.47 |
1.00 |
Long-Term Debt to Equity |
|
0.00 |
1.54 |
0.00 |
1.43 |
0.79 |
0.35 |
1.07 |
1.47 |
1.00 |
Financial Leverage |
|
0.00 |
1.54 |
1.54 |
1.43 |
1.11 |
0.56 |
0.71 |
1.27 |
1.23 |
Leverage Ratio |
|
0.00 |
11.41 |
11.41 |
8.33 |
8.52 |
8.62 |
9.21 |
10.05 |
9.96 |
Compound Leverage Factor |
|
0.00 |
11.41 |
11.41 |
8.33 |
8.52 |
8.62 |
9.21 |
10.05 |
9.96 |
Debt to Total Capital |
|
0.00% |
60.63% |
0.00% |
58.88% |
44.15% |
25.91% |
51.68% |
59.50% |
50.01% |
Short-Term Debt to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Long-Term Debt to Total Capital |
|
0.00% |
60.63% |
0.00% |
58.88% |
44.15% |
25.91% |
51.68% |
59.50% |
50.01% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
0.00% |
39.37% |
0.00% |
41.12% |
55.85% |
74.09% |
48.32% |
40.41% |
49.88% |
Debt to EBITDA |
|
0.00 |
13.84 |
0.00 |
17.94 |
9.12 |
2.61 |
8.10 |
22.69 |
477.09 |
Net Debt to EBITDA |
|
0.00 |
11.94 |
0.00 |
16.97 |
4.29 |
2.12 |
6.82 |
10.13 |
221.70 |
Long-Term Debt to EBITDA |
|
0.00 |
13.84 |
0.00 |
17.94 |
9.12 |
2.61 |
8.10 |
22.69 |
477.09 |
Debt to NOPAT |
|
0.00 |
23.59 |
0.00 |
25.71 |
13.88 |
4.10 |
13.08 |
42.36 |
-97.03 |
Net Debt to NOPAT |
|
0.00 |
20.34 |
0.00 |
24.33 |
6.53 |
3.33 |
11.00 |
18.90 |
-45.09 |
Long-Term Debt to NOPAT |
|
0.00 |
23.59 |
0.00 |
25.71 |
13.88 |
4.10 |
13.08 |
42.36 |
-97.03 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.11% |
0.22% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
0.00 |
-1,178 |
1,232 |
-2,335 |
636 |
446 |
-638 |
-352 |
397 |
Operating Cash Flow to CapEx |
|
1,609.60% |
553.63% |
426.67% |
112.82% |
1,060.64% |
2,731.91% |
2,617.05% |
533.28% |
535.02% |
Free Cash Flow to Firm to Interest Expense |
|
0.00 |
-26.50 |
19.78 |
-26.32 |
8.59 |
12.06 |
-14.88 |
-1.86 |
1.45 |
Operating Cash Flow to Interest Expense |
|
1.34 |
0.81 |
0.91 |
0.25 |
0.66 |
2.67 |
3.31 |
0.22 |
0.12 |
Operating Cash Flow Less CapEx to Interest Expense |
|
1.26 |
0.66 |
0.70 |
0.03 |
0.60 |
2.57 |
3.19 |
0.17 |
0.10 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.00 |
0.03 |
0.07 |
0.05 |
0.03 |
0.03 |
0.03 |
0.02 |
0.02 |
Fixed Asset Turnover |
|
0.00 |
3.84 |
0.00 |
0.00 |
3.40 |
3.52 |
3.66 |
2.79 |
2.18 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
0.00 |
1,209 |
0.00 |
2,390 |
1,811 |
1,456 |
2,181 |
2,569 |
2,161 |
Invested Capital Turnover |
|
0.00 |
0.26 |
0.31 |
0.17 |
0.12 |
0.17 |
0.16 |
0.10 |
0.08 |
Increase / (Decrease) in Invested Capital |
|
0.00 |
1,209 |
-1,209 |
2,390 |
-579 |
-354 |
724 |
388 |
-408 |
Enterprise Value (EV) |
|
0.00 |
0.00 |
1,772 |
3,265 |
2,129 |
2,523 |
3,317 |
2,705 |
2,158 |
Market Capitalization |
|
0.00 |
0.00 |
1,772 |
1,934 |
1,753 |
2,217 |
2,369 |
2,023 |
1,656 |
Book Value per Share |
|
$0.00 |
$0.00 |
$0.00 |
$8.61 |
$8.98 |
$10.15 |
$9.62 |
$9.89 |
$10.29 |
Tangible Book Value per Share |
|
$0.00 |
$0.00 |
$0.00 |
$8.01 |
$8.20 |
$9.29 |
$8.47 |
$8.72 |
$9.14 |
Total Capital |
|
0.00 |
1,209 |
0.00 |
2,390 |
1,811 |
1,456 |
2,181 |
2,569 |
2,161 |
Total Debt |
|
0.00 |
733 |
0.00 |
1,407 |
799 |
377 |
1,127 |
1,529 |
1,081 |
Total Long-Term Debt |
|
0.00 |
733 |
0.00 |
1,407 |
799 |
377 |
1,127 |
1,529 |
1,081 |
Net Debt |
|
0.00 |
632 |
0.00 |
1,331 |
376 |
306 |
948 |
682 |
502 |
Capital Expenditures (CapEx) |
|
3.67 |
6.51 |
13 |
19 |
4.62 |
3.61 |
5.43 |
7.64 |
6.23 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.52 |
Net Nonoperating Obligations (NNO) |
|
0.00 |
733 |
0.00 |
1,407 |
799 |
377 |
1,127 |
1,529 |
1,081 |
Total Depreciation and Amortization (D&A) |
|
5.99 |
5.88 |
7.82 |
7.36 |
11 |
18 |
22 |
21 |
18 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.00 |
$0.00 |
$0.20 |
$0.00 |
$0.52 |
$0.88 |
$0.82 |
$0.35 |
($0.11) |
Adjusted Weighted Average Basic Shares Outstanding |
|
0.00 |
0.00 |
115.89M |
0.00 |
109.67M |
104.16M |
105.58M |
102.66M |
101.68M |
Adjusted Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.20 |
$0.00 |
$0.52 |
$0.88 |
$0.81 |
$0.35 |
($0.11) |
Adjusted Weighted Average Diluted Shares Outstanding |
|
0.00 |
0.00 |
115.89M |
0.00 |
109.67M |
104.16M |
106.19M |
102.89M |
101.84M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.20 |
$0.00 |
$0.52 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
0.00 |
111.40M |
0.00 |
109.76M |
106.70M |
107.97M |
104.92M |
104.73M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
33 |
31 |
23 |
57 |
60 |
95 |
88 |
37 |
-7.56 |
Normalized NOPAT Margin |
|
22.89% |
19.80% |
12.24% |
27.86% |
23.71% |
34.83% |
29.69% |
15.78% |
-4.20% |
Pre Tax Income Margin |
|
34.57% |
30.00% |
18.12% |
34.84% |
30.16% |
46.40% |
39.33% |
19.74% |
-8.85% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.13 |
1.06 |
0.54 |
0.80 |
1.03 |
3.41 |
2.72 |
0.24 |
-0.06 |
NOPAT to Interest Expense |
|
0.75 |
0.70 |
0.37 |
0.62 |
0.78 |
2.49 |
2.01 |
0.19 |
-0.04 |
EBIT Less CapEx to Interest Expense |
|
1.05 |
0.91 |
0.33 |
0.58 |
0.97 |
3.31 |
2.60 |
0.20 |
-0.08 |
NOPAT Less CapEx to Interest Expense |
|
0.67 |
0.55 |
0.15 |
0.40 |
0.71 |
2.39 |
1.88 |
0.15 |
-0.06 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Augmented Payout Ratio |
|
0.00% |
0.00% |
0.00% |
101.08% |
187.78% |
117.08% |
109.08% |
223.07% |
-50.58% |
Quarterly Metrics And Ratios for Columbia Financial
This table displays calculated financial ratios and metrics derived from Columbia Financial's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
16.74% |
11.76% |
-1.19% |
-31.78% |
-26.12% |
-25.46% |
-27.97% |
5.25% |
-5.03% |
-59.87% |
EBITDA Growth |
|
-0.94% |
-5.75% |
-8.48% |
-79.52% |
-48.48% |
-65.66% |
-88.57% |
23.49% |
-31.61% |
-281.48% |
EBIT Growth |
|
-2.56% |
-4.74% |
-9.79% |
-93.79% |
-57.67% |
-75.58% |
-105.16% |
150.86% |
-38.18% |
-459.98% |
NOPAT Growth |
|
-0.30% |
-6.18% |
-8.24% |
-92.75% |
-56.36% |
-69.99% |
-104.80% |
172.84% |
-32.26% |
-385.17% |
Net Income Growth |
|
-0.30% |
-6.18% |
-8.24% |
-92.75% |
-56.36% |
-69.99% |
-106.17% |
172.84% |
-32.26% |
-423.08% |
EPS Growth |
|
-5.00% |
-9.09% |
-10.00% |
-90.91% |
-52.63% |
-70.00% |
-105.56% |
100.00% |
-33.33% |
-433.33% |
Operating Cash Flow Growth |
|
881.19% |
-4.09% |
-110.98% |
-19.96% |
15.50% |
-208.43% |
491.80% |
-44.61% |
-165.39% |
189.00% |
Free Cash Flow Firm Growth |
|
-64.19% |
-286.01% |
-554.73% |
-307.79% |
-765.75% |
45.64% |
113.96% |
9.90% |
80.03% |
201.96% |
Invested Capital Growth |
|
-4.32% |
49.73% |
87.38% |
43.42% |
38.74% |
17.81% |
-6.45% |
27.42% |
5.76% |
-15.88% |
Revenue Q/Q Growth |
|
4.23% |
-1.81% |
-9.20% |
-26.59% |
12.88% |
-0.94% |
-12.26% |
7.27% |
1.86% |
-58.14% |
EBITDA Q/Q Growth |
|
-7.86% |
6.27% |
-15.48% |
-75.26% |
131.81% |
-29.17% |
-71.86% |
167.26% |
28.38% |
-287.95% |
EBIT Q/Q Growth |
|
-9.56% |
8.87% |
-18.33% |
-92.27% |
516.09% |
-37.19% |
-117.27% |
475.31% |
51.82% |
-465.79% |
NOPAT Q/Q Growth |
|
-8.89% |
4.65% |
-14.47% |
-91.11% |
448.68% |
-28.05% |
-113.68% |
605.12% |
36.23% |
-402.87% |
Net Income Q/Q Growth |
|
-8.89% |
4.65% |
-14.47% |
-91.11% |
448.68% |
-28.05% |
-117.58% |
493.07% |
36.23% |
-443.14% |
EPS Q/Q Growth |
|
-13.64% |
5.26% |
-10.00% |
-88.89% |
350.00% |
-33.33% |
-116.67% |
500.00% |
50.00% |
-433.33% |
Operating Cash Flow Q/Q Growth |
|
-10.60% |
-20.05% |
-112.05% |
1,029.43% |
29.01% |
-175.06% |
143.53% |
31.40% |
-252.30% |
202.16% |
Free Cash Flow Firm Q/Q Growth |
|
-68.61% |
-818.43% |
-79.61% |
48.70% |
-0.58% |
41.34% |
146.14% |
-430.98% |
77.71% |
399.58% |
Invested Capital Q/Q Growth |
|
14.01% |
28.00% |
25.90% |
-21.94% |
10.29% |
8.69% |
-0.02% |
6.31% |
-8.45% |
-13.55% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
43.56% |
47.14% |
43.88% |
14.79% |
30.37% |
21.71% |
6.96% |
17.35% |
21.87% |
-98.19% |
EBIT Margin |
|
36.16% |
40.10% |
36.06% |
3.80% |
20.72% |
13.14% |
-2.59% |
9.05% |
13.49% |
-117.83% |
Profit (Net Income) Margin |
|
27.06% |
28.83% |
27.16% |
3.29% |
15.98% |
11.61% |
-2.33% |
8.52% |
11.40% |
-93.45% |
Tax Burden Percent |
|
74.82% |
71.92% |
75.31% |
86.62% |
77.14% |
88.36% |
89.95% |
94.21% |
84.54% |
79.31% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
25.18% |
28.08% |
24.69% |
13.38% |
22.86% |
11.64% |
0.00% |
5.79% |
15.46% |
0.00% |
Return on Invested Capital (ROIC) |
|
4.49% |
4.71% |
3.82% |
0.49% |
1.99% |
1.14% |
-0.15% |
0.76% |
1.00% |
-6.27% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
4.49% |
4.71% |
3.82% |
0.49% |
1.99% |
1.14% |
-0.16% |
0.76% |
1.00% |
-6.46% |
Return on Net Nonoperating Assets (RNNOA) |
|
3.10% |
3.32% |
3.95% |
0.36% |
1.98% |
1.45% |
-0.25% |
1.03% |
1.33% |
-7.95% |
Return on Equity (ROE) |
|
7.59% |
8.04% |
7.77% |
0.86% |
3.96% |
2.59% |
-0.40% |
1.78% |
2.34% |
-14.23% |
Cash Return on Invested Capital (CROIC) |
|
9.44% |
-35.09% |
-56.80% |
-32.20% |
-29.93% |
-14.83% |
7.27% |
-23.33% |
-4.93% |
16.78% |
Operating Return on Assets (OROA) |
|
1.09% |
1.21% |
1.08% |
0.10% |
0.51% |
0.29% |
-0.05% |
0.19% |
0.27% |
-2.01% |
Return on Assets (ROA) |
|
0.81% |
0.87% |
0.81% |
0.09% |
0.40% |
0.26% |
-0.05% |
0.18% |
0.23% |
-1.59% |
Return on Common Equity (ROCE) |
|
7.59% |
8.04% |
7.77% |
0.86% |
3.96% |
2.58% |
-0.40% |
1.78% |
2.34% |
-14.20% |
Return on Equity Simple (ROE_SIMPLE) |
|
8.51% |
0.00% |
8.13% |
6.18% |
5.10% |
0.00% |
1.56% |
1.82% |
1.50% |
0.00% |
Net Operating Profit after Tax (NOPAT) |
|
21 |
22 |
19 |
1.66 |
9.13 |
6.57 |
-0.90 |
4.54 |
6.19 |
-19 |
NOPAT Margin |
|
27.06% |
28.83% |
27.16% |
3.29% |
15.98% |
11.61% |
-1.81% |
8.52% |
11.40% |
-82.48% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.02% |
0.00% |
0.00% |
0.19% |
SG&A Expenses to Revenue |
|
54.24% |
53.03% |
60.09% |
84.15% |
68.10% |
68.40% |
76.69% |
71.89% |
70.45% |
160.58% |
Operating Expenses to Revenue |
|
61.88% |
58.63% |
63.68% |
94.07% |
75.12% |
84.82% |
91.96% |
86.83% |
78.95% |
205.17% |
Earnings before Interest and Taxes (EBIT) |
|
28 |
30 |
25 |
1.92 |
12 |
7.43 |
-1.28 |
4.82 |
7.32 |
-27 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
34 |
36 |
30 |
7.48 |
17 |
12 |
3.46 |
9.24 |
12 |
-22 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
2.27 |
2.25 |
1.90 |
1.79 |
1.64 |
1.95 |
1.74 |
1.50 |
1.66 |
1.54 |
Price to Tangible Book Value (P/TBV) |
|
2.58 |
2.55 |
2.16 |
2.04 |
1.87 |
2.21 |
1.98 |
1.70 |
1.87 |
1.73 |
Price to Revenue (P/Rev) |
|
8.07 |
7.97 |
6.66 |
6.71 |
6.55 |
8.67 |
8.44 |
7.24 |
8.36 |
9.20 |
Price to Earnings (P/E) |
|
26.65 |
27.49 |
23.36 |
28.95 |
32.20 |
56.05 |
111.41 |
82.22 |
110.77 |
0.00 |
Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Earnings Yield |
|
3.75% |
3.64% |
4.28% |
3.45% |
3.11% |
1.78% |
0.90% |
1.22% |
0.90% |
0.00% |
Enterprise Value to Invested Capital (EV/IC) |
|
1.71 |
1.52 |
1.22 |
1.33 |
1.19 |
1.05 |
1.01 |
0.90 |
1.17 |
1.00 |
Enterprise Value to Revenue (EV/Rev) |
|
10.05 |
11.16 |
11.34 |
10.47 |
11.11 |
11.60 |
12.10 |
11.41 |
13.68 |
12.00 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
20.58 |
23.85 |
24.66 |
26.65 |
30.89 |
40.15 |
63.81 |
58.36 |
79.36 |
952.69 |
Enterprise Value to EBIT (EV/EBIT) |
|
24.55 |
28.38 |
29.43 |
33.53 |
40.65 |
58.74 |
130.07 |
108.35 |
159.96 |
0.00 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
33.18 |
38.49 |
39.78 |
45.20 |
54.61 |
74.96 |
159.75 |
129.47 |
181.23 |
0.00 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
20.27 |
23.33 |
31.80 |
29.35 |
27.22 |
66.43 |
44.29 |
56.80 |
0.00 |
64.76 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
17.68 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
13.40 |
0.00 |
0.00 |
5.44 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.65 |
1.07 |
1.64 |
1.10 |
1.35 |
1.47 |
1.47 |
1.61 |
1.32 |
1.00 |
Long-Term Debt to Equity |
|
0.65 |
1.07 |
1.64 |
1.10 |
1.35 |
1.47 |
1.47 |
1.61 |
1.32 |
1.00 |
Financial Leverage |
|
0.69 |
0.71 |
1.03 |
0.73 |
1.00 |
1.27 |
1.56 |
1.36 |
1.33 |
1.23 |
Leverage Ratio |
|
9.32 |
9.21 |
9.59 |
9.46 |
9.98 |
10.05 |
10.24 |
10.07 |
10.07 |
9.96 |
Compound Leverage Factor |
|
9.32 |
9.21 |
9.59 |
9.46 |
9.98 |
10.05 |
10.24 |
10.07 |
10.07 |
9.96 |
Debt to Total Capital |
|
39.56% |
51.68% |
62.16% |
52.27% |
57.38% |
59.50% |
59.59% |
61.67% |
56.83% |
50.01% |
Short-Term Debt to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Long-Term Debt to Total Capital |
|
39.56% |
51.68% |
62.16% |
52.27% |
57.38% |
59.50% |
59.59% |
61.67% |
56.83% |
50.01% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
60.44% |
48.32% |
37.84% |
47.73% |
42.62% |
40.41% |
40.33% |
38.25% |
43.17% |
49.88% |
Debt to EBITDA |
|
4.77 |
8.10 |
12.52 |
10.45 |
14.93 |
22.69 |
37.71 |
39.77 |
38.55 |
477.09 |
Net Debt to EBITDA |
|
4.05 |
6.82 |
10.18 |
9.58 |
12.67 |
10.13 |
19.31 |
21.30 |
30.86 |
221.70 |
Long-Term Debt to EBITDA |
|
4.77 |
8.10 |
12.52 |
10.45 |
14.93 |
22.69 |
37.71 |
39.77 |
38.55 |
477.09 |
Debt to NOPAT |
|
7.69 |
13.08 |
20.20 |
17.73 |
26.38 |
42.36 |
94.42 |
88.24 |
88.03 |
-97.03 |
Net Debt to NOPAT |
|
6.53 |
11.00 |
16.42 |
16.25 |
22.40 |
18.90 |
48.34 |
47.25 |
70.46 |
-45.09 |
Long-Term Debt to NOPAT |
|
7.69 |
13.08 |
20.20 |
17.73 |
26.38 |
42.36 |
94.42 |
88.24 |
88.03 |
-97.03 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.11% |
0.10% |
0.11% |
0.00% |
0.22% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
98 |
-702 |
-1,262 |
-647 |
-651 |
-382 |
176 |
-583 |
-130 |
389 |
Operating Cash Flow to CapEx |
|
1,509.79% |
1,897.78% |
-209.16% |
3,079.34% |
1,731.91% |
-1,397.89% |
845.96% |
1,348.87% |
-1,018.69% |
1,731.58% |
Free Cash Flow to Firm to Interest Expense |
|
9.07 |
-35.95 |
-39.40 |
-14.38 |
-13.05 |
-6.14 |
2.65 |
-8.42 |
-1.84 |
5.79 |
Operating Cash Flow to Interest Expense |
|
3.48 |
1.53 |
-0.11 |
0.75 |
0.87 |
-0.52 |
0.21 |
0.27 |
-0.40 |
0.43 |
Operating Cash Flow Less CapEx to Interest Expense |
|
3.25 |
1.45 |
-0.17 |
0.72 |
0.82 |
-0.56 |
0.19 |
0.25 |
-0.44 |
0.41 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.03 |
0.03 |
0.03 |
0.03 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
Fixed Asset Turnover |
|
3.64 |
3.66 |
3.67 |
3.27 |
3.01 |
2.79 |
2.56 |
2.62 |
2.58 |
2.18 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,704 |
2,181 |
2,746 |
2,143 |
2,364 |
2,569 |
2,568 |
2,731 |
2,500 |
2,161 |
Invested Capital Turnover |
|
0.17 |
0.16 |
0.14 |
0.15 |
0.12 |
0.10 |
0.08 |
0.09 |
0.09 |
0.08 |
Increase / (Decrease) in Invested Capital |
|
-77 |
724 |
1,280 |
649 |
660 |
388 |
-177 |
588 |
136 |
-408 |
Enterprise Value (EV) |
|
2,907 |
3,317 |
3,361 |
2,856 |
2,807 |
2,705 |
2,589 |
2,471 |
2,925 |
2,158 |
Market Capitalization |
|
2,335 |
2,369 |
1,974 |
1,829 |
1,655 |
2,023 |
1,806 |
1,569 |
1,788 |
1,656 |
Book Value per Share |
|
$9.32 |
$9.62 |
$9.62 |
$9.67 |
$9.56 |
$9.89 |
$9.87 |
$9.97 |
$10.30 |
$10.29 |
Tangible Book Value per Share |
|
$8.18 |
$8.47 |
$8.47 |
$8.49 |
$8.38 |
$8.72 |
$8.70 |
$8.80 |
$9.14 |
$9.14 |
Total Capital |
|
1,704 |
2,181 |
2,746 |
2,143 |
2,364 |
2,569 |
2,568 |
2,731 |
2,500 |
2,161 |
Total Debt |
|
674 |
1,127 |
1,707 |
1,120 |
1,356 |
1,529 |
1,530 |
1,684 |
1,421 |
1,081 |
Total Long-Term Debt |
|
674 |
1,127 |
1,707 |
1,120 |
1,356 |
1,529 |
1,530 |
1,684 |
1,421 |
1,081 |
Net Debt |
|
572 |
948 |
1,387 |
1,027 |
1,152 |
682 |
783 |
902 |
1,137 |
502 |
Capital Expenditures (CapEx) |
|
2.48 |
1.58 |
1.73 |
1.09 |
2.50 |
2.32 |
1.67 |
1.38 |
2.78 |
1.67 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.26 |
0.00 |
0.00 |
2.49 |
Net Nonoperating Obligations (NNO) |
|
674 |
1,127 |
1,707 |
1,120 |
1,356 |
1,529 |
1,530 |
1,684 |
1,421 |
1,081 |
Total Depreciation and Amortization (D&A) |
|
5.72 |
5.35 |
5.39 |
5.56 |
5.51 |
4.85 |
4.74 |
4.42 |
4.55 |
4.46 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.20 |
$0.20 |
$0.18 |
$0.02 |
$0.09 |
$0.06 |
($0.01) |
$0.04 |
$0.06 |
($0.20) |
Adjusted Weighted Average Basic Shares Outstanding |
|
106.93M |
105.58M |
104.63M |
102.41M |
101.97M |
102.66M |
101.75M |
101.65M |
101.62M |
101.68M |
Adjusted Diluted Earnings per Share |
|
$0.19 |
$0.20 |
$0.18 |
$0.02 |
$0.09 |
$0.06 |
($0.01) |
$0.04 |
$0.06 |
($0.20) |
Adjusted Weighted Average Diluted Shares Outstanding |
|
107.53M |
106.19M |
105.15M |
102.52M |
102.10M |
102.89M |
101.99M |
101.65M |
101.83M |
101.84M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
109.58M |
107.97M |
105.81M |
105.37M |
104.91M |
104.92M |
104.81M |
104.73M |
104.72M |
104.73M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
22 |
22 |
19 |
1.89 |
9.14 |
6.86 |
-0.88 |
5.19 |
6.20 |
-18 |
Normalized NOPAT Margin |
|
28.22% |
28.96% |
27.16% |
3.74% |
16.00% |
12.12% |
-1.78% |
9.75% |
11.44% |
-79.62% |
Pre Tax Income Margin |
|
36.16% |
40.10% |
36.06% |
3.80% |
20.72% |
13.14% |
-2.59% |
9.05% |
13.49% |
-117.83% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.60 |
1.56 |
0.78 |
0.04 |
0.24 |
0.12 |
-0.02 |
0.07 |
0.10 |
-0.40 |
NOPAT to Interest Expense |
|
1.94 |
1.12 |
0.58 |
0.04 |
0.18 |
0.11 |
-0.01 |
0.07 |
0.09 |
-0.28 |
EBIT Less CapEx to Interest Expense |
|
2.36 |
1.48 |
0.72 |
0.02 |
0.19 |
0.08 |
-0.04 |
0.05 |
0.06 |
-0.42 |
NOPAT Less CapEx to Interest Expense |
|
1.71 |
1.04 |
0.53 |
0.01 |
0.13 |
0.07 |
-0.04 |
0.05 |
0.05 |
-0.30 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Augmented Payout Ratio |
|
114.65% |
109.08% |
141.59% |
174.28% |
195.54% |
223.07% |
214.87% |
89.45% |
50.16% |
-50.58% |
Key Financial Trends
Columbia Financial, Inc. has shown a generally fluctuating financial performance over the last four years, with some signs of strength in interest income but challenges in net profitability, particularly visible in the most recent quarters.
- Loans and Leases Interest Income has steadily increased from about $68 million in Q3 2022 to about $96 million in Q4 2024, indicating growth in core lending operations.
- Net Interest Income remained robust, with values around $42 million to $48 million in most recent quarters, showing consistent profitability from lending activities.
- Non-Interest Income, including service charges and other income, generally remains positive, providing diversification to revenue streams.
- Net cash from continuing operating activities turned positive in Q4 2024 with a significant inflow of approximately $28.9 million, after some quarters of negative cash flows, indicating better operational cash management.
- Total Assets have grown from approximately $10.0 billion in June 2022 to approximately $10.7 billion by September 2024, reflecting asset growth.
- Weighted Average Shares Outstanding have been steady around 101-105 million, showing limited dilution or share repurchases affecting EPS calculations.
- Provision for Credit Losses fluctuated over the period but generally remains manageable, not escalating to alarming levels.
- Q4 2024 reported a net loss of $21.2 million, a significant decline compared to profitability in prior quarters such as Q3 2024 with $6.2 million net income, driven partly by large realized and unrealized capital losses on investments (-$34.8 million in Q4 2024).
- Non-Interest Expenses have increased over time, with Q4 2024 expenses at about $46.6 million, limiting net income performance.
- Net Cash from Financing Activities showed a large negative outflow of approximately $203 million in Q4 2024, partly related to a high level of debt repayments, which could pressure liquidity.
Summary: Columbia Financial has increased its core loan interest income and maintained steady net interest margins, which are positives for the business. However, the company faces pressures from volatile investment gains/losses, which turned notably negative in Q4 2024, contributing to a substantial quarterly net loss. Elevated non-interest expenses and significant financing outflows also weigh on financial health. Investors should watch for continued volatility in investment results and expense control while monitoring operational cash flows staying positive as signs of potential recovery.
08/30/25 01:22 AM ETAI Generated. May Contain Errors.