Is Columbia Financial, Inc. overvalued or undervalued?

As of 30 July 2025, the valuation grade for Columbia Financial, Inc. moved from risky to very expensive. The company is overvalued, as indicated by its high P/E ratio of 494, a price-to-book value of 1.55, and an EV to EBITDA ratio of 989.93. In comparison, Webster Financial Corp. has a fair valuation with a P/E ratio of 12.40, while TFS Financial Corp. is very attractive with a P/E of 55.63, highlighting the stark contrast in valuation metrics.
Recent stock performance shows that Columbia Financial, Inc. has underperformed against the S&P 500, with a year-to-date return of only 0.25% compared to the S&P 500's 12.22%. Over the past three years, the company has seen a decline of 27.23%, while the S&P 500 has gained 70.41%, reinforcing the notion that the stock is currently overvalued.