Profitability
Weight: 25%
D
33
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.5%
- Operating Margin Trend -9.58 pp/yr
CLBK
Columbia Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
50
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 4.9%
- 5yr Share-Count CAGR -0.7%
Growth Quality
Weight: 10%
C-
51
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 6.4%
- 5yr EPS CAGR -12.7%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.29x
Balance Sheet
Weight: 30%
C+
58
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.5%
- Interest Coverage (EBIT/Int) 0.26x
Stability
Weight: 10%
C+
60
- EPS Volatility (σ/μ) 0.50
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added; 1 full exit.
- Holders
- 2
- Avg Δ position
- +10.3%
- New buys
- 1
- Full exits
- 1