Columbia Financial, Inc. Financial Ratios — CLBK Stock

Profitability (USD)

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	6.13	- -	4.14	9.29	8.92	12.78	10.6	4.12	-1.31	5.69
Return on Assets (%)	- -	0.59	- -	0.36	0.74	0.68	1.02	0.88	0.34	-0.11	0.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	- -	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.28	2.21	- -	2.02	2.45	4.1	4.28	4.49	6.12	8.09	5.81
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.57	30	- -	18.12	34.84	30.16	46.4	39.33	19.74	-8.84	26.28
Profit Margin (%)	22.89	19.8	- -	12.24	26.82	22.78	33.85	29	15.47	-6.48	20.01
Net Income to Common Margin (%)	22.89	19.8	- -	12.24	26.82	22.78	33.85	29	15.47	-6.48	20.01
Effective Tax Rate (%)	33.77	34	- -	32.45	23.02	24.46	27.05	26.27	21.64	- -	23.86
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	6.13	- -	4.14	9.29	8.92	12.78	10.6	4.12	-1.31	5.69

Credit (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	632	693	919	1,189	1,407	799	377	1,127	1,529	1,081	1,183
ST Debt	127	240	46	160	108	- -	- -	- -	- -	- -	- -
LT Debt	505	453	873	1,030	1,299	799	377	1,127	1,529	1,081	1,183
Total Debt/EBITDA	192.5	199.78	- -	317.03	281.8	77.14	32.41	84.42	107.11	74.23	78.73
Net Debt/EBITDA	178.59	170.67	- -	305.78	266.67	36.33	26.31	70.99	77.46	54.36	56.06
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.75	9.62	9.32	8.39	7.53	7.66	8.31	8.25	8.41	8.43	8.49
Long-Term Debt/Equity (%)	114.77	95.19	184.94	105.92	132.23	79.04	34.97	106.97	146.94	100.02	101.96
Long-Term Debt/Capital (%)	44.93	37.28	59.94	58.81	64.2	54.24	32.99	56.75	63.08	55.02	55.86
Long-Term Debt/Total Assets (%)	10.02	8.34	15.14	15.39	15.87	9.09	4.09	10.83	14.36	10.32	10.74
Total Debt/Equity (%)	143.74	145.62	194.69	122.34	143.21	79.04	34.97	106.97	146.94	100.02	101.96
Total Debt/Capital (%)	56.28	57.03	63.1	67.93	69.53	54.24	32.99	56.75	63.08	55.02	55.86
Total Debt/Total Assets (%)	12.55	12.76	15.94	17.77	17.18	9.09	4.09	10.83	14.36	10.32	10.74
Net Debt to Equity	133.35	124.41	180.81	117.99	135.52	37.22	28.39	89.96	106.26	73.25	72.6
Net Debt/Capital (%)	54.42	53.14	61.36	67.14	68.35	35.82	28.56	52.46	55.26	47.26	47.4
EBITDA	3	3	- -	4	5	10	12	13	14	15	15
EBITDA-CapEx	- -	-3	- -	-10	-14	6	6	6	7	7	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.75	9.62	9.32	8.39	7.53	7.66	8.31	8.25	8.41	8.43	8.49
Long-Term Debt/Equity (%)	114.77	95.19	184.94	105.92	132.23	79.04	34.97	106.97	146.94	100.02	101.96
Long-Term Debt/Capital (%)	44.93	37.28	59.94	58.81	64.2	54.24	32.99	56.75	63.08	55.02	55.86
Long-Term Debt/Total Assets (%)	10.02	8.34	15.14	15.39	15.87	9.09	4.09	10.83	14.36	10.32	10.74
Total Debt/Equity (%)	143.74	145.62	194.69	122.34	143.21	79.04	34.97	106.97	146.94	100.02	101.96
Total Debt/Capital (%)	56.28	57.03	63.1	67.93	69.53	54.24	32.99	56.75	63.08	55.02	55.86
Total Debt/Total Assets (%)	12.55	12.76	15.94	17.77	17.18	9.09	4.09	10.83	14.36	10.32	10.74
CFO/Total Liabilities	1.28	0.73	- -	0.99	0.3	0.63	1.21	1.52	0.42	0.35	0.69
CFO/CapEx	16.1	5.52	- -	4.26	1.13	10.61	17.97	19.73	5.33	4.48	6.95
Altman's Z-Score	0.17	0.16	0.13	0.32	0.29	0.27	0.31	0.29	0.26	0.24	0.24

Working Capital (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	11.27	- -	10.67	9.95	9.81	9.42	9.56	6.37	4.51	6.32
Days Sales Outstanding	- -	32.38	- -	34.21	36.67	37.21	38.76	38.2	57.31	80.89	57.76
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	1,703	1,882	1,708	2,173	2,283	1,979	1,608	1,582
- Cash & Cash Equivalents	46	101	65	42	76	423	71	179	423	289	341
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	632	693	919	1,189	1,407	799	377	1,127	1,529	1,081	1,183
Enterprise Value	-185	35	143	1,817	2,115	767	775	1,902	1,991	1,373	1,624
Total Capital	1,123	1,215	1,457	1,751	2,024	1,474	1,144	1,986	2,424	1,964	2,119
Total Debt/Capital (%)	56.28	57.03	63.1	67.93	69.53	54.24	32.99	56.75	63.08	55.02	55.86
Total Debt / EV	-3.41	19.86	6.43	0.65	0.67	1.04	0.49	0.59	0.77	0.79	0.73
EV/Sales	- -	0.22	- -	9.79	10.37	3.03	2.85	6.4	8.54	7.63	6.28
EV/EBITDA	- -	10.06	- -	484.5	423.63	74.05	66.59	142.45	139.51	94.31	108.01
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	0.97	- -	32.11	96.92	15.64	7.85	13.38	48.9	41.2	23.74
EV/Free Cash Flow to Firm	- -	0.82	- -	26.01	51.38	14.3	7.44	12.73	41.18	33.68	20.75
Diluted Market Cap	- -	- -	- -	1,703	1,882	1,708	2,173	2,296	1,984	1,610	1,582
Diluted Enterprise Value	586	592	854	2,850	3,214	2,084	2,479	3,244	3,089	2,401	2,425
EV per Share	- -	0.3	- -	16.31	19.04	6.99	7.44	18.01	19.4	13.5	15.95
TTM Sales	144	157	- -	186	204	253	272	297	233	180	259
TTM EBITDA	3	3	- -	4	5	10	12	13	14	15	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	59	36	- -	57	22	49	99	142	41	33	68
TTM Free Cash Flow to Firm	63	43	- -	70	41	54	104	149	48	41	78

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	24.38	45.72	31.82	20.85	15.37	41.03	39.49	20.22
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-185	35	143	1,817	2,115	767	775	1,902	1,991	1,373	1,624
Low Price	- -	- -	- -	14.01	14.25	10.27	14.7	18.76	14.11	13.79	12.64
EV/Sales	- -	0.22	- -	9.79	10.37	3.03	2.85	6.4	8.54	7.63	6.28
EV/EBITDA	- -	10.06	- -	484.5	423.63	74.05	66.59	142.45	139.51	94.31	108.01
Price/Earnings	- -	- -	- -	74.91	34.4	29.65	23.6	26.49	54.85	- -	30.56
Price/Earnings Average	- -	- -	- -	79.87	31.89	26.47	20.25	26.13	51.14	-146.26	29.57
Price/Earnings High	- -	- -	- -	86.87	34.92	33.04	23.88	28.01	63.23	-178.52	34.22
Price/Earnings Low	- -	- -	- -	68.64	28.93	19.57	16.63	22.99	40.14	-120.32	24.86
Price/Book Value	- -	- -	- -	3.03	3.05	2.53	2.84	2.66	2.21	1.82	1.69
Price/Book Value Average	- -	- -	- -	3.23	2.83	2.26	2.43	2.62	2.06	1.93	1.64
Price/Book Value High	- -	- -	- -	3.52	3.1	2.82	2.87	2.81	2.55	2.36	1.89
Price/Book Value Low	- -	- -	- -	2.78	2.57	1.67	2	2.31	1.62	1.59	1.38
Price/Tangible Book Value	- -	- -	- -	1.76	2.06	1.85	2.2	2.46	2.16	1.68	1.52
Price/Tangible Book Value Average	- -	- -	- -	1.88	1.91	1.65	1.89	2.43	2.01	1.78	1.47
Price/Tangible Book Value High	- -	- -	- -	2.04	2.09	2.06	2.23	2.6	2.49	2.17	1.7
Price/Tangible Book Value Low	- -	- -	- -	1.62	1.73	1.22	1.55	2.13	1.58	1.46	1.24
Price/Sales	- -	- -	- -	9.17	9.23	6.75	7.99	7.68	8.49	8.94	6.12
Price/Sales Average	- -	- -	- -	9.78	8.55	6.03	6.85	7.58	7.91	9.48	5.92
Price/Sales High	- -	- -	- -	10.63	9.37	7.53	8.08	8.12	9.78	11.57	6.85
Price/Sales Low	- -	- -	- -	8.4	7.76	4.46	5.63	6.67	6.21	7.79	4.97
Price/Cash Flow	- -	- -	- -	30.1	86.24	34.82	22.01	16.06	48.61	48.24	23.13
Price/Cash Flow Average	- -	- -	- -	32.09	79.96	31.09	18.88	15.84	45.32	51.15	22.38
Price/Cash Flow High	- -	- -	- -	34.9	87.56	38.81	22.27	16.98	56.04	62.43	25.9
Price/Cash Flow Low	- -	- -	- -	27.58	72.54	22.98	15.51	13.94	35.58	42.08	18.81
Price/Free Cash Flow Average	- -	- -	- -	25.99	42.39	28.41	17.88	15.16	38.25	41.87	19.57
Price/Free Cash Flow High	- -	- -	- -	28.27	46.42	35.46	21.09	16.25	47.3	51.11	22.64
Price/Free Cash Flow Low	- -	- -	- -	22.34	38.46	21	14.69	13.34	30.03	34.45	16.45
EV/Sales Average	4.07	3.77	- -	15.95	15.08	7.52	7.98	10.77	12.65	13.87	9.17
EV/Sales High	4.07	3.77	- -	16.81	15.89	9.02	9.21	11.31	14.52	15.96	10.1
EV/Sales Low	4.07	3.77	- -	14.58	14.29	5.95	6.76	9.86	10.95	12.19	8.23
EV/EBITDA Average	178.59	170.67	- -	789.89	616.16	183.48	186.38	239.65	206.75	171.45	157.9
EV/EBITDA High	178.59	170.67	- -	832.32	649.39	219.99	215.09	251.77	237.32	197.27	173.91
EV/EBITDA Low	178.59	170.67	- -	721.84	583.75	145.11	157.83	219.39	178.95	150.68	141.67
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	15.29	16.94	15.56	20.86	21.62	19.28	15.81	15.54
High Price	- -	- -	- -	17.73	17.2	17.34	21.1	22.86	22.22	20.46	17.4
Enterprise Value Average	586	592	854	2,963	3,076	1,901	2,170	3,200	2,951	2,496	2,374
Enterprise Value High	586	592	854	3,122	3,242	2,280	2,504	3,361	3,387	2,872	2,614
Enterprise Value Low	586	592	854	2,708	2,915	1,504	1,837	2,929	2,554	2,193	2,130

Shares Outstanding	116	116	116	116	114	111	107	109	105	105	104
Diluted Weighted Avg Shares	116	116	- -	111	111	110	104	106	103	102	102
Basic Weighted Avg Shares	116	116	- -	111	111	110	104	106	103	102	102
Revenue per Share	1.24	1.35	- -	1.67	1.84	2.3	2.61	2.81	2.27	1.77	2.54
EBITDA per Share	0.03	0.03	- -	0.03	0.04	0.09	0.11	0.13	0.14	0.14	0.15
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51
Basic EPS from Cont Ops	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51
Diluted EPS, GAAP	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51
Diluted EPS from Cont Ops	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.51	0.31	- -	0.51	0.2	0.45	0.95	1.35	0.4	0.33	0.67
Free Cash Flow per Basic Share	0.48	0.25	- -	0.39	0.02	0.4	0.89	1.28	0.32	0.25	0.58
Cash & Equivalents per Share	7.05	5.68	- -	9.65	10.57	15.85	17.04	14.28	14.78	12.93	11.22
Book Value per Share	4.24	4.51	- -	5.04	5.55	6.14	7.36	8.13	8.72	8.69	9.18
Tangible Book Value per Share	3.74	4.05	- -	8.67	8.23	8.42	9.48	8.79	8.93	9.44	10.22

Columbia Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)