Columbia Financial - Public Comps and Valuation Multiples

Columbia Financial Overview

About Columbia Financial

Columbia Financial Inc is a federally chartered savings bank that serves the financial needs of depositors and the local community as a community-minded, customer service-focused institution. It offers traditional financial services to businesses and consumers. It attracts deposits from the general public and uses those funds to originate a variety of loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans, and also offers a broad range of insurance products, investment solutions, and wealth management services.

Founded

1997

HQ

Employees

755

Website

columbiabankonline.com

Sectors

Commercial Banking

Financials

LTM Revenue $180M

Last FY EBITDA n/a

EV

$2.9B

Valuation Multiples

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Columbia Financial Financials

As of August 2025, Columbia Financial reported last 12-month revenue of $180M.

In the same period, Columbia Financial achieved $33.3M in LTM net income.

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Columbia Financial P&L

In the most recent fiscal year, Columbia Financial reported revenue of $180M.

Columbia Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$180M	XXX	$180M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$53.9M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	30%	XXX	n/a	XXX	XXX	XXX
Net Profit	$33.3M	XXX	-$11.7M	XXX	XXX	XXX
Net Margin	18%	XXX	-6%	XXX	XXX	XXX
Net Debt	XXX	XXX	$791M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Columbia Financial including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $180M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$180M	Analyst estimates available to subscribers	$180M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$53.9M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	29.9% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$33.3M	Analyst estimates available to subscribers	-$11.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	18.5% net profit margin	Analyst estimates available to subscribers	-6.5% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$791M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Columbia Financial

This financial data table provides comprehensive performance metrics for Columbia Financial, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Columbia Financial generated $180M in revenue over the last twelve months.
Net income over the last twelve months reached $33.3M.

Fiscal Year Performance

In the most recent fiscal year, Columbia Financial reported $180M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached -6.5% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Columbia Financial. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Columbia Financial Stock Performance

Columbia Financial has current market cap of $1.6B, and EV of $2.9B.

Market Cap Evolution

Columbia Financial Stock Data

As of September 30, 2025, Columbia Financial's stock price is $15.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$2.9B	$1.6B	XXX	XXX	XXX	XXX	$0.32

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Columbia Financial Valuation Multiples

Columbia Financial's trades at 16.0x EV/Revenue multiple, and n/a EV/EBITDA.

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Columbia Financial Financial Valuation Multiples

As of September 30, 2025, Columbia Financial has market cap of $1.6B and EV of $2.9B.

Equity research analysts estimate Columbia Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Columbia Financial has a P/E ratio of 48.3x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$1.6B	XXX	$1.6B	XXX	XXX	XXX
EV (current)	$2.9B	XXX	$2.9B	XXX	XXX	XXX
EV/Revenue	16.0x	XXX	16.0x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	53.4x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	48.3x	XXX	-137.8x	XXX	XXX	XXX
EV/FCF	n/a	XXX	111.2x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Columbia Financial Margins & Growth Rates

Columbia Financial's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

Columbia Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Columbia Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Columbia Financial Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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