ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Columbia Financial, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 14.76% signifying high buffers against its risk based assets
2
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- NII(Q) Highest at USD 60.39 MM
- OPERATING CASH FLOW(Y) Highest at USD 73.12 MM
- ROCE(HY) Highest at 0.52%
3
Majority shareholders : Mutual Funds
4
Market Beating Performance
- The stock has generated a return of 44.55% in the last 1 year, much higher than market (S&P 500) returns of 22.93%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Columbia Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Columbia Financial, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Columbia Financial, Inc.
44.55%
1.55
29.34%
S&P 500
22.93%
1.75
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.75%
EBIT Growth (5y)
-1.57%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
14.36%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
40
Industry P/E
Price to Book Value
1.78
EV to EBIT
58.98
EV to EBITDA
49.46
EV to Capital Employed
1.37
EV to Sales
7.16
PEG Ratio
0.04
Dividend Yield
NA
ROCE (Latest)
2.32%
ROE (Latest)
4.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
NII(Q)
Highest at USD 60.39 MM
OPERATING CASH FLOW(Y)
Highest at USD 73.12 MM
ROCE(HY)
Highest at 0.52%
OPERATING PROFIT(Q)
Highest at USD 20.52 MM
PRE-TAX PROFIT(Q)
Highest at USD 20.52 MM
OPERATING PROFIT MARGIN(Q)
Highest at 17.26 %
NET PROFIT(Q)
At USD 14.38 MM has Grown at 61.53%
-4What is not working for the Company
ROCE(HY)
Lowest at 0.52%
GROSS NPA (%)
(Q
Here's what is working for Columbia Financial, Inc.
NII
Highest at USD 60.39 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 20.52 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 20.52 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Operating Cash Flow
Highest at USD 73.12 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 17.26 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At USD 20.52 MM has Grown at 70.73%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 14.38 MM has Grown at 61.53%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Depreciation
Highest at USD 3.89 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 3.89 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Columbia Financial, Inc.
Non Performing Loans (%)
Highest at 0.5%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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