Columbia Financial Valuation
| CLBK Stock | USD 18.65 0.46 2.53% |
At this time, the firm appears to be overvalued. Columbia Financial shows a prevailing Real Value of $15.05 per share. The current price of the firm is $18.65. Our model approximates the value of Columbia Financial from analyzing the firm fundamentals such as Profit Margin of 0.08 %, return on equity of 0.0155, and Current Valuation of 3 B as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Columbia Financial's valuation include:
Price Book 1.7419 | Enterprise Value 3 B | Price Sales 9.4761 | Forward PE 51.2821 | Trailing PE 121.2667 |
Overvalued
Today
Please note that Columbia Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Columbia Financial is based on 3 months time horizon. Increasing Columbia Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Columbia Financial's intrinsic value may or may not be the same as its current market price of 18.65, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 18.65 | Real 15.05 | Target 18.0 | Hype 18.19 | Naive 17.56 |
The intrinsic value of Columbia Financial's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Columbia Financial's stock price.
Estimating the potential upside or downside of Columbia Financial helps investors to forecast how Columbia stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Columbia Financial more accurately as focusing exclusively on Columbia Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Columbia Financial's intrinsic value based on its ongoing forecasts of Columbia Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Columbia Financial's closest peers.
Columbia Financial Cash |
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Columbia Valuation Trend
Knowing Columbia Financial's actual value is paramount for traders when making sound investment determinations. Using both Columbia Financial's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Columbia Revenue by Product
Columbia Financial Total Value Analysis
Columbia Financial is currently forecasted to have valuation of 3 B with market capitalization of 1.9 B, debt of 1.55 B, and cash on hands of 102.05 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Columbia Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3 B | 1.9 B | 1.55 B | 102.05 M |
Columbia Financial Investor Information
About 74.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.74. Some equities with similar Price to Book (P/B) outperform the market in the long run. Columbia Financial had not issued any dividends in recent years. Based on the analysis of Columbia Financial's profitability, liquidity, and operating efficiency, Columbia Financial is performing exceptionally good at this time. It has a great probability to report excellent financial results in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.53 | 0.57 |
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| Total Cash From Operating Activities | 38.7 M | 40.7 M |
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| Operating Income | 103.8 M | 55.6 M |
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Columbia Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Columbia suggests not a very effective usage of assets in November.Columbia Financial Ownership Allocation
Columbia Financial holds a total of 104.72 Million outstanding shares. Columbia Financial shows majority of its outstanding shares owned by insiders. An insider is usually defined as a corporate executive, director, member of the board or institutional investor who own at least 10% of the company's outstanding shares. 74.38 percent of Columbia Financial outstanding shares that are owned by insiders signifies that they have been buying or selling the stock in recent months in anticipation of some upcoming event. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Columbia Financial Profitability Analysis
The company reported the previous year's revenue of 421.66 M. Net Income was 36.09 M with profit before overhead, payroll, taxes, and interest of 291.69 M.About Columbia Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Columbia Financial. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Columbia Financial based exclusively on its fundamental and basic technical indicators. By analyzing Columbia Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Columbia Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Columbia Financial. We calculate exposure to Columbia Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Columbia Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 421.7 M | 266 M | |
| Pretax Profit Margin | 0.11 | 0.10 | |
| Operating Profit Margin | 0.57 | 0.53 | |
| Net Profit Margin | 0.09 | 0.08 |
Columbia Financial Quarterly Retained Earnings |
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Columbia Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Columbia Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 102.9 M | |
| Quarterly Earnings Growth Y O Y | -0.33 | |
| Forward Price Earnings | 51.2821 |
Columbia Financial Current Valuation Indicators
Columbia Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Columbia Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Columbia Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Columbia Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Columbia Financial's worth.When determining whether Columbia Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Columbia Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Columbia Financial Stock. Highlighted below are key reports to facilitate an investment decision about Columbia Financial Stock: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Columbia Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide.You can also try the Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Columbia Financial. If investors know Columbia will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Columbia Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.33) | Earnings Share 0.15 | Revenue Per Share 1.977 | Quarterly Revenue Growth (0.08) | Return On Assets 0.0015 |
The market value of Columbia Financial is measured differently than its book value, which is the value of Columbia that is recorded on the company's balance sheet. Investors also form their own opinion of Columbia Financial's value that differs from its market value or its book value, called intrinsic value, which is Columbia Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Columbia Financial's market value can be influenced by many factors that don't directly affect Columbia Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Columbia Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Columbia Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Columbia Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.