CLBK - Columbia Financial, Inc.
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$17.00
DETAILS
HIGH:
$17.00
LOW:
$17.00
MEDIAN:
$17.00
CONSENSUS:
$17.00
DOWNSIDE:
16.50%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||
| Revenue | 507.4 | 453.3 | 422.4 | 340.1 | 309.0 | 326.2 | 292.1 | 246.8 | 201.1 | 187.7 |
| Cost of Revenue | 252.4 | 287.9 | 193.9 | 48.4 | 27.1 | 92.2 | 92.3 | 67.8 | 50.6 | 44.2 |
| Gross Profit | 255.0 | 165.4 | 228.5 | 291.7 | 281.9 | 234.4 | 199.8 | 179.0 | 150.5 | 143.5 |
| Operating Expenses | ||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 74.5 | 119.6 | 132.3 | 122.4 | 104.3 | 105.2 | 89.1 | 85.9 | 71.0 | 65.6 |
| Other Expenses | 120.3 | 61.8 | 50.1 | 52.4 | 51.5 | 52.9 | 39.6 | 59.5 | 32.5 | 28.2 |
| Operating Expenses | 194.8 | 181.3 | 182.4 | 174.8 | 155.7 | 158.1 | 128.7 | 145.4 | 103.4 | 93.8 |
| Operating Income | ||||||||||
| Operating Income | 60.2 | (15.9) | 46.1 | 116.9 | 126.2 | 76.3 | 71.1 | 33.7 | 47.1 | 49.8 |
| Interest Expense | 235.4 | 273.4 | 189.1 | 42.9 | 37.0 | 73.7 | 88.1 | 61.1 | 44.1 | 43.8 |
| Interest Income | 468.1 | 443.8 | 389.8 | 307.9 | 267.7 | 291.6 | 256.9 | 222.4 | 182.1 | 167.3 |
| Profitability | ||||||||||
| EBITDA | 68.9 | (1.4) | 60.3 | 130.2 | 137.8 | 86.6 | 76.1 | 37.4 | 50.5 | 53.0 |
| EBIT | 60.2 | (15.9) | 46.1 | 116.9 | 126.2 | 76.3 | 71.1 | 33.7 | 47.1 | 49.8 |
| Income Before Tax | 60.2 | (15.9) | 46.1 | 116.9 | 126.2 | 76.3 | 71.1 | 33.7 | 47.1 | 49.8 |
| Income Tax Expense | 8.4 | (4.3) | 10.0 | 30.7 | 34.1 | 18.7 | 16.4 | 10.9 | 16.0 | 16.8 |
| Net Income | 51.8 | (11.7) | 36.1 | 86.2 | 92.0 | 57.6 | 54.7 | 22.7 | 31.1 | 33.0 |
| Per Share Data | ||||||||||
| EPS (Basic) | 0.51 | -0.11 | 0.35 | 0.82 | 0.88 | 0.52 | 0.49 | 0.20 | 0.27 | 0.28 |
| EPS (Diluted) | 0.51 | -0.11 | 0.35 | 0.81 | 0.88 | 0.52 | 0.49 | 0.20 | 0.27 | 0.28 |
| Shares Outstanding | 101.4 | 101.7 | 102.7 | 105.6 | 104.2 | 109.8 | 111.1 | 111.4 | 115.9 | 115.9 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 340.7 | 289.2 | 423.2 | 179.2 | 71.0 | 423.0 | 75.5 | 42.2 | 65.5 | 45.7 |
| Short-Term Investments | 0 | 772.6 | 1,093.6 | 1,328.6 | 1,703.8 | 1,317.0 | 1,098.3 | 1,032.9 | 710.6 | 771.8 |
| Net Receivables | 41.5 | 40.4 | 39.3 | 33.9 | 28.3 | 29.5 | 22.1 | 18.9 | 15.9 | 13.2 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 382.2 | 1,102.2 | 1,556.2 | 1,541.8 | 1,803.1 | 1,769.4 | 1,196.0 | 1,094.0 | 792.0 | 830.6 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 83.0 | 81.8 | 83.6 | 83.9 | 78.7 | 76.0 | 73.0 | 52.0 | 42.6 | 37.9 |
| Goodwill | 110.7 | 110.7 | 110.7 | 110.7 | 85.3 | 80.3 | 60.8 | 5.7 | 5.7 | 5.7 |
| Intangible Assets | 9.6 | 10.3 | 12.6 | 14.4 | 6.4 | 7.1 | 7.8 | 0.4 | 0.3 | 0.4 |
| Long-Term Investments | 9,814.6 | 8,509.8 | 8,224.7 | 8,049.7 | 6,730.4 | 6,379.4 | 6,424.5 | 5,189.0 | 4,640.1 | 3,932.2 |
| Other Non-Current Assets | 618.7 | 660.7 | 657.8 | 607.7 | 520.2 | 486.4 | 426.7 | 350.6 | 285.8 | 216.0 |
| Total Non-Current Assets | 10,636.6 | 9,373.3 | 9,089.4 | 8,866.4 | 7,421.0 | 7,029.2 | 6,992.7 | 5,597.7 | 4,974.5 | 4,206.8 |
| Total Assets | 11,018.8 | 10,475.5 | 10,645.6 | 10,408.2 | 9,224.1 | 8,798.5 | 8,188.7 | 6,691.6 | 5,766.5 | 5,037.4 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 107.8 | 159.6 | 56 | 177.4 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4,968.3 | 8,096.1 | 7,846.6 | 8,001.2 | 7,570.2 | 6,778.6 | 5,645.8 | 4,413.9 | 4,263.3 | 3,822.8 |
| Total Current Liabilities | 4,968.3 | 8,096.1 | 7,846.6 | 8,182.1 | 7,731.2 | 6,955.3 | 5,871.4 | 4,657.9 | 4,395.8 | 4,064.0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 1,171.6 | 1,080.6 | 1,528.7 | 1,127.0 | 377.3 | 799.4 | 1,299.2 | 1,029.6 | 873.1 | 504.6 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 66.1 |
| Other Non-Current Liabilities | 3,706.3 | 218.4 | 230.0 | 45.5 | 36.5 | 32.6 | 35.5 | 32.0 | 25.6 | 29.2 |
| Total Non-Current Liabilities | 4,889.8 | 1,299.0 | 1,758.7 | 1,172.5 | 413.8 | 831.9 | 1,334.7 | 1,061.6 | 898.6 | 533.8 |
| Total Liabilities | 9,858.1 | 9,395.1 | 9,605.2 | 9,354.6 | 8,145.0 | 7,787.2 | 7,206.2 | 5,719.6 | 5,294.4 | 4,597.7 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0 | 1.3 | 1.3 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 0 | 0 |
| Retained Earnings | 0 | 882.0 | 893.6 | 857.5 | 765.1 | 673.1 | 615.5 | 560.2 | 537.5 | 491.0 |
| Accumulated Other Comprehensive Income | 0 | (110.4) | (158.7) | (179.3) | (45.9) | (69.6) | (68.7) | (71.9) | (65.4) | (51.4) |
| Total Stockholders' Equity | 1,160.7 | 1,080.4 | 1,040.3 | 1,053.6 | 1,079.1 | 1,011.3 | 982.5 | 972.1 | 472.1 | 439.7 |
| Total Liabilities & Equity | 11,018.8 | 10,475.5 | 10,645.6 | 10,408.2 | 9,224.1 | 8,798.5 | 8,188.7 | 6,691.6 | 5,766.5 | 5,037.4 |
| Debt Metrics | ||||||||||
| Total Debt | 1,183.5 | 1,080.6 | 1,528.7 | 1,127.0 | 377.3 | 799.4 | 1,407.0 | 1,189.2 | 929.1 | 682.0 |
| Net Debt | 842.8 | 791.4 | 1,105.4 | 947.8 | 306.3 | 376.4 | 1,331.5 | 1,147.0 | 863.6 | 636.3 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 51.8 | (11.7) | 36.1 | 86.2 | 92.0 | 57.6 | 54.7 | 22.7 | 31.1 | 33.0 |
| Depreciation & Amortization | 15.0 | 14.6 | 14.3 | 13.4 | 11.6 | 10.4 | 5.0 | 3.8 | 3.5 | 3.3 |
| Stock-Based Compensation | 8.2 | 10.3 | 12.1 | 12.3 | 12.9 | 12.0 | 7.3 | 2.6 | 0 | 0 |
| Change in Working Capital | (22.6) | (20.9) | (36.2) | 10.4 | (18.2) | (49.0) | (49.7) | (6.7) | (3.4) | 2.9 |
| Other Non-Cash Items | 1.9 | 47 | 11.1 | 7.2 | (17.4) | 8.4 | (3.0) | 39.7 | 6.3 | 16.9 |
| Operating Cash Flow | 68.4 | 33.3 | 40.7 | 142.2 | 98.7 | 49.0 | 21.8 | 56.6 | 36.0 | 59.0 |
| Investing Activities | ||||||||||
| Capital Expenditure | (9.8) | (7.4) | (7.6) | (7.2) | (5.5) | (4.6) | (19.3) | (13.3) | (6.5) | (3.7) |
| Acquisitions | (1.4) | 0 | 0 | 140.8 | 20.4 | 155.2 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (305.5) | (446.2) | (124.6) | (170.5) | (870.9) | (305.6) | (278.0) | (445.4) | (193.3) | (357.5) |
| Sales/Maturities of Investments | 261.9 | 528.9 | 398.1 | 439.9 | 496.1 | 317.3 | 262.1 | 90.3 | 256.6 | 261.2 |
| Other Investing Activities | (399.3) | (35.7) | (226.2) | (1,017.7) | (83.7) | 95.3 | (485.7) | (574.7) | (387.1) | (190.6) |
| Investing Cash Flow | (454.2) | 39.5 | 39.6 | (614.7) | (443.6) | 257.6 | (521.0) | (943.1) | (330.3) | (290.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 102.9 | (451.5) | 401.3 | 744.0 | (483.8) | (646.5) | 135.1 | 259.2 | 51 | (20.6) |
| Stock Repurchased | (13.8) | (6.7) | (81.1) | (98.6) | (108.1) | (108.4) | (56.0) | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 347.8 | 251.4 | (156.6) | (64.5) | 584.9 | 795.6 | 453.5 | 163.1 | 298.6 | 254.7 |
| Financing Cash Flow | 437.3 | (206.8) | 163.7 | 580.8 | (7.1) | 40.7 | 532.5 | 863.3 | 349.6 | 234.1 |
| Cash Position | ||||||||||
| Net Change in Cash | 51.6 | (134.0) | 244.0 | 108.3 | (352.0) | 347.4 | 33.3 | (23.3) | 55.3 | 2.5 |
| Cash at Beginning | 289.2 | 423.2 | 179.2 | 71.0 | 423.0 | 75.5 | 42.2 | 65.5 | 45.7 | 43.2 |
| Cash at End | 340.8 | 289.2 | 423.2 | 179.2 | 71.0 | 423.0 | 75.5 | 42.2 | 101.0 | 45.7 |
| Free Cash Flow | 58.6 | 25.9 | 33.1 | 135.0 | 93.2 | 44.4 | 2.5 | 43.3 | 29.5 | 55.3 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 507.4 | 453.3 | 422.4 | 340.1 | 309.0 | 326.2 | 292.1 | 246.8 | 201.1 | 187.7 |
| Gross Profit | 255.0 | 165.4 | 228.5 | 291.7 | 281.9 | 234.4 | 199.8 | 179.0 | 150.5 | 143.5 |
| Operating Income | 60.2 | (15.9) | 46.1 | 116.9 | 126.2 | 76.3 | 71.1 | 33.7 | 47.1 | 49.8 |
| Net Income | 51.8 | (11.7) | 36.1 | 86.2 | 92.0 | 57.6 | 54.7 | 22.7 | 31.1 | 33.0 |
| EPS (Diluted) | 0.51 | -0.11 | 0.35 | 0.81 | 0.88 | 0.52 | 0.49 | 0.20 | 0.27 | 0.28 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 340.7 | 289.2 | 423.2 | 179.2 | 71.0 | 423.0 | 75.5 | 42.2 | 65.5 | 45.7 |
| Total Assets | 11,018.8 | 10,475.5 | 10,645.6 | 10,408.2 | 9,224.1 | 8,798.5 | 8,188.7 | 6,691.6 | 5,766.5 | 5,037.4 |
| Total Debt | 1,183.5 | 1,080.6 | 1,528.7 | 1,127.0 | 377.3 | 799.4 | 1,407.0 | 1,189.2 | 929.1 | 682.0 |
| Stockholders' Equity | 1,160.7 | 1,080.4 | 1,040.3 | 1,053.6 | 1,079.1 | 1,011.3 | 982.5 | 972.1 | 472.1 | 439.7 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 68.4 | 33.3 | 40.7 | 142.2 | 98.7 | 49.0 | 21.8 | 56.6 | 36.0 | 59.0 |
| Capital Expenditure | (9.8) | (7.4) | (7.6) | (7.2) | (5.5) | (4.6) | (19.3) | (13.3) | (6.5) | (3.7) |
| Free Cash Flow | 58.6 | 25.9 | 33.1 | 135.0 | 93.2 | 44.4 | 2.5 | 43.3 | 29.5 | 55.3 |