Columbia Financial, Inc. Financial Ratios — Z2T 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 (%)	- -	6.79	- -	3.15	5.6	5.78	8.81	8.08	3.45	-1.1	4.62
Return on Assets (%)	- -	0.59	- -	0.36	0.74	0.68	1.02	0.88	0.34	-0.11	0.48
Return on Capital (%)	- -	2.77	- -	1.28	2.4	2.74	5.64	4.74	1.52	- -	2.3
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	- -	6.79	- -	3.15	5.6	5.78	8.81	8.08	3.45	-1.1	4.62

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.73	8.77	8.19	14.53	12	11.49	11.7	10.12	9.77	10.31	10.53
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 (%)	47.09	38.76	62.76	47.64	54.37	44.15	25.91	51.68	59.5	50.01	50.49
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 (%)	58.97	59.29	66.07	55.02	58.88	44.15	25.91	51.68	59.5	50.01	50.49
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 (%)	57.15	55.44	64.39	54.13	57.54	27.12	22.11	47.36	51.52	42.28	42.06
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

	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

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	1,072	1,169	1,391	2,161	2,390	1,811	1,456	2,181	2,569	2,161	2,344
Total Debt/Capital (%)	58.97	59.29	66.07	55.02	58.88	44.15	25.91	51.68	59.5	50.01	50.49
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	144	157	- -	186	204	253	272	297	233	180	259
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	59	36	- -	57	22	49	99	142	41	- -	68
TTM Free Cash Flow to Firm	55	30	- -	43	2	44	93	135	33	- -	59

No data availableFinancial data will appear here once available

	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

Shares Outstanding	255	255	255	255	250	244	236	240	231	230	229
Diluted Weighted Avg Shares	255	255	255	245	244	241	229	234	226	224	224
Basic Weighted Avg Shares	255	255	255	245	244	241	229	232	226	224	224
Revenue per Share	0.56	0.62	- -	0.76	0.83	1.05	1.19	1.28	1.03	0.8	1.16
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.13	0.12	- -	0.09	0.22	0.24	0.4	0.37	0.16	-0.05	0.23
Basic EPS from Cont Ops	0.13	0.12	- -	0.09	0.22	0.24	0.4	0.37	0.16	-0.05	0.23
Diluted EPS, GAAP	0.13	0.12	- -	0.09	0.22	0.24	0.4	0.37	0.16	-0.05	0.23
Diluted EPS from Cont Ops	0.13	0.12	- -	0.09	0.22	0.24	0.4	0.37	0.16	-0.05	0.23
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.23	0.14	- -	0.23	0.09	0.2	0.43	0.61	0.18	0.15	0.31
Free Cash Flow per Basic Share	0.22	0.12	- -	0.18	0.01	0.18	0.41	0.58	0.15	0.12	0.26
Cash & Equivalents per Share	3.21	2.58	3.04	4.22	4.69	7.13	7.51	6.29	6.57	5.71	4.99
Book Value per Share	1.72	1.87	1.85	3.81	3.93	4.14	4.57	4.39	4.51	4.69	5.07
Tangible Book Value per Share	1.7	1.84	1.83	3.79	3.65	3.79	4.18	3.87	3.97	4.16	4.55