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Columbia Financial (CLBK) Ratios
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Columbia Financial Ratios
CLBK's free cash flow for Q2 2026 was $17.35M. For the 2026 fiscal year, CLBK's free cash flow was decreased by $-2.58M and operating cash flow was $19.94M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.08 | 0.14 | 0.20 | 0.19 | 0.23 |
| Quick Ratio | 0.08 | 0.14 | 0.20 | 0.19 | 0.23 |
| Cash Ratio | 0.07 | 0.04 | 0.05 | 0.02 | 0.01 |
| Solvency Ratio | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -9.48B | $ -8.29B | $ -8.05B | $ -7.81B | $ -6.34B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.11 | 0.10 | 0.14 | 0.11 | 0.04 |
| Debt-to-Equity Ratio | 1.02 | 1.00 | 1.47 | 1.07 | 0.35 |
| Debt-to-Capital Ratio | 0.50 | 0.50 | 0.60 | 0.52 | 0.26 |
| Long-Term Debt-to-Capital Ratio | 0.50 | 0.50 | 0.60 | 0.52 | 0.26 |
| Financial Leverage Ratio | 9.49 | 9.70 | 10.23 | 9.88 | 8.55 |
| Debt Service Coverage Ratio | 0.28 | 0.01 | 0.27 | 2.32 | 2.80 |
| Interest Coverage Ratio | 0.26 | -0.06 | 0.24 | 2.72 | 3.41 |
| Debt to Market Cap | 0.74 | 0.67 | 0.77 | 0.49 | 0.17 |
| Interest Debt Per Share | 6.36 | 13.32 | 16.73 | 11.08 | 3.98 |
| Net Debt to EBITDA | 11.21 | -584.91 | 18.33 | 7.28 | 2.22 |
| Profitability Margins | |||||
| Gross Profit Margin | 50.25% | 36.49% | 54.09% | 85.77% | 91.24% |
| EBIT Margin | 11.86% | -3.51% | 10.90% | 34.37% | 40.84% |
| EBITDA Margin | 14.82% | -0.30% | 14.28% | 38.29% | 44.61% |
| Operating Profit Margin | 11.86% | -3.51% | 10.90% | 34.37% | 40.84% |
| Pretax Profit Margin | 11.86% | -3.51% | 10.90% | 34.37% | 40.84% |
| Net Profit Margin | 10.20% | -2.57% | 8.54% | 25.34% | 29.79% |
| Continuous Operations Profit Margin | 10.20% | -2.57% | 8.54% | 25.34% | 29.79% |
| Net Income Per EBT | 86.05% | 73.24% | 78.36% | 73.73% | 72.95% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.47% | -0.11% | 0.34% | 0.83% | 1.00% |
| Return on Equity (ROE) | 4.46% | -1.08% | 3.47% | 8.18% | 8.53% |
| Return on Capital Employed (ROCE) | 0.99% | -0.67% | 1.65% | 5.25% | 8.45% |
| Return on Invested Capital (ROIC) | 0.86% | -0.49% | 1.29% | 3.87% | 6.17% |
| Return on Tangible Assets | 0.47% | -0.11% | 0.34% | 0.84% | 1.01% |
| Earnings Yield | 3.29% | -0.72% | 1.82% | 3.78% | 4.24% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.23 | 11.23 | 10.73 | 10.03 | 10.92 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 6.11 | 5.54 | 5.05 | 4.05 | 3.93 |
| Asset Turnover | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.09 | -0.07 | -0.07 | -0.05 | -0.06 |
| Cash Conversion Cycle | 29.84 | 32.52 | 34.00 | 36.38 | 33.43 |
| Days of Sales Outstanding | 29.84 | 32.52 | 34.00 | 36.38 | 33.43 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 29.84 | 32.52 | 34.00 | 36.38 | 33.43 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.31 | 0.33 | 0.40 | 1.35 | 0.95 |
| Free Cash Flow Per Share | 0.26 | 0.25 | 0.32 | 1.28 | 0.89 |
| Dividend Paid and CapEx Coverage Ratio | 6.95 | 4.48 | 5.33 | 19.73 | 17.97 |
| Capital Expenditure Coverage Ratio | 6.95 | 4.48 | 5.33 | 19.73 | 17.97 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.03 | 0.03 | 0.13 | 0.26 |
| Operating Cash Flow to Sales Ratio | 0.13 | 0.07 | 0.10 | 0.42 | 0.32 |
| Free Cash Flow Yield | 3.72% | 1.61% | 1.67% | 5.91% | 4.29% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 30.45 | -137.95 | 54.85 | 26.49 | 23.60 |
| Price-to-Sales (P/S) Ratio | 3.10 | 3.55 | 4.69 | 6.71 | 7.03 |
| Price-to-Book (P/B) Ratio | 1.36 | 1.49 | 1.90 | 2.17 | 2.01 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 26.90 | 62.13 | 59.83 | 16.91 | 23.31 |
| Price-to-Operating Cash Flow Ratio | 23.03 | 48.24 | 48.61 | 16.06 | 22.01 |
| Price-to-Earnings Growth (PEG) Ratio | -0.05 | 1.05 | -0.96 | -3.89 | 0.34 |
| Enterprise Value Multiple | 32.16 | -1773.02 | 51.14 | 24.81 | 17.99 |
| Enterprise Value | 2.42B | 2.40B | 3.08B | 3.23B | 2.48B |
| EV to EBITDA | 32.16 | -1773.02 | 51.14 | 24.81 | 17.99 |
| EV to Sales | 4.77 | 5.29 | 7.30 | 9.50 | 8.02 |
| EV to Free Cash Flow | 41.29 | 92.71 | 93.25 | 23.94 | 26.60 |
| EV to Operating Cash Flow | 35.35 | 71.99 | 75.76 | 22.72 | 25.12 |
| Tangible Book Value Per Share | 4.66 | 9.44 | 8.93 | 8.79 | 9.48 |
| Shareholders’ Equity Per Share | 5.20 | 10.63 | 10.13 | 9.98 | 10.36 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.14 | 0.27 | 0.22 | 0.26 | 0.27 |
| Revenue Per Share | 2.27 | 4.46 | 4.11 | 3.22 | 2.97 |
| Net Income Per Share | 0.23 | -0.11 | 0.35 | 0.82 | 0.88 |
| Tax Burden | 0.86 | 0.73 | 0.78 | 0.74 | 0.73 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.15 | 0.26 | 0.31 | 0.35 | 0.33 |
| Stock-Based Compensation to Revenue | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 |
| Income Quality | 1.32 | -2.86 | 1.13 | 1.65 | 1.07 |
Currency in USD
