Columbia Financial, Inc.
Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing…
Banks - Regional
US, Fair Lawn [HQ]
Ratios
8 Sheets · From 2023 to 2016Configuration
Margins, Growth Rates In %
| Ratio | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | 22.89 | 19.80 | 12.24 | 26.82 | 22.78 | 33.85 | 29.00 | 8.56 | |
| Operating Margin | 64.97 | 58.12 | 51.01 | 34.84 | 30.16 | 46.40 | 49.27 | 13.18 | |
|
EPS Growth
|
- - | -3.57 | -25.93 | 145.00 | 6.12 | 69.23 | -6.82 | -57.32 | |
| EPS USD | 28.00 | 27.00 | 20.00 | 49.00 | 52.00 | 88.00 | 82.00 | 35.00 | |
| Return on Assets (ROA) | 0.65 | 0.57 | 0.34 | 0.67 | 0.65 | 1.00 | 0.83 | 0.34 | |
| Return on Equity (ROE) | 7.50 | 6.53 | 2.34 | 5.57 | 5.70 | 8.53 | 8.18 | 3.47 | |
| Return on Invested Capital (ROIC) | 5.78 | 5.15 | 2.76 | 2.19 | 2.49 | 5.45 | 3.77 | 1.69 | |
| Solvency | |||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 12.55 | 12.77 | 20.16 | 18.50 | 14.77 | 6.62 | 17.37 | 14.24 | |
| Debt/Equity | 143.74 | 145.62 | 138.76 | 154.18 | 128.49 | 56.55 | 171.58 | 147.35 | |
| Debt/EBITDA | 605.70 | 625.29 | 1,164.55 | 1,750.21 | 434.56 | 222.28 | 593.24 | 7,995.30 | |
|
Debt/Capitalization
|
58.97 | 59.29 | 58.12 | 60.66 | 56.23 | 36.12 | 63.18 | 59.57 | |
| Long-Term Debt/Capitalization | 53.44 | 48.77 | 55.02 | 58.88 | 44.15 | 25.91 | 51.68 | 37.41 | |
| Interest Debt per Share USD | 5.83 | 6.36 | 12.66 | 14.43 | 12.51 | 6.21 | 17.53 | 16.77 | |
| Debt Growth | - - | 9.66 | 71.59 | 18.32 | -43.19 | -52.80 | 198.71 | 37.10 | |
| Liquidity | |||||||||
| Current Ratio | 10.33 | 6.12 | 11.84 | 1,109.44 | 38.20 | 34.66 | 26.59 | 8.30 | |
| Quick Ratio | 651.99 | 280.35 | 686.62 | 1,109.44 | 38.20 | 34.66 | 26.59 | 27.94 | |
| Cash Ratio | 35.87 | 42.07 | 26.44 | 70.08 | 9.13 | 1.36 | 3.09 | 7.60 | |
| Operating Cash Flow Ratio | - - | - - | - - | 100 | - - | - - | - - | - - | |
| Turnover | |||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | 1,094.12 | 1,068.65 | 982.97 | 923.44 | 858.38 | 961.01 | 876.68 | 1,071.70 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
2.86 | 2.89 | 2.78 | 2.49 | 2.87 | 2.95 | 2.86 | 3.92 | |
| Fixed Turnover | 380.22 | 384.36 | 356.81 | 279.59 | 332.80 | 345.54 | 354.30 | 504.52 | |
| Coverage | |||||||||
| Interest Coverage | 213.71 | 206.67 | 155.11 | 80.67 | 103.43 | 344.89 | 341.36 | 29.40 | |
| Asset Coverage | 700 | 700 | 500 | 500 | 500 | 1,100 | 400 | 300 | |
| Cash Flow Coverage (CFGR) | 9.33 | 5.29 | 4.20 | 8.17 | 3.69 | 16.17 | 7.86 | 2.66 | |
| EBITDA Coverage | 200 | 200 | 100 | - - | 100 | 300 | 300 | - - | |
| Dividend Coverage | - - | - - | - - | - - | - - | - - | - - | - - | |
| Time Interest Earned (TIE) | 200 | 200 | 200 | -100 | -100 | -100 | 2,600 | 1,100 | |
| Market Prospects | |||||||||
| Dividend Yield | - - | - - | - - | - - | - - | - - | - - | - - | |
| Earnings Yield | 1.84 | 1.74 | 1.34 | 2.91 | 3.37 | 4.24 | 3.78 | 1.82 | |
|
Price/Earnings (P/E)
|
5,422.91 | 5,751.19 | 7,491.38 | 3,439.62 | 2,964.78 | 2,360.37 | 2,648.92 | 5,484.72 | |
| Price/Earnings Growth (PEG) | - - | -1,610.33 | -288.95 | 23.72 | 484.25 | 34.09 | -388.51 | -95.69 | |
|
Price/Book (P/B)
|
406.45 | 375.49 | 175.22 | 191.55 | 168.87 | 201.35 | 216.65 | 190.25 | |
| Price/Tangible Book (P/TB) | 406.45 | 375.49 | 175.22 | 191.55 | 168.87 | 201.35 | 216.65 | 190.25 | |
| Price/Sales (P/S) | 1,241.48 | 1,138.57 | 917.09 | 922.54 | 675.44 | 798.89 | 768.11 | 469.38 | |
|
Price/Cash Flow (P/CF)
|
3,029.24 | 4,869.90 | 3,009.58 | 1,520.61 | 3,566.39 | 2,201.22 | 1,605.72 | 4,861.03 | |
| Price/Free CF (P/FCF) | 3,229.91 | 5,923.53 | 3,931.58 | 1,802.29 | 3,947.58 | 2,330.92 | 1,691.43 | 5,982.94 | |
| Price/Operating CF (P/OCF) | 3,029.24 | 4,869.90 | 3,009.58 | 1,520.61 | 3,566.39 | 2,201.22 | 1,605.72 | 4,861.03 |