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 Very Positive results in Jun 25
- NII(Q) Highest at USD 53.7 MM
- NET SALES(Q) Highest at USD 116.49 MM
- OPERATING PROFIT(Q) Highest at USD 16.17 MM
3
Majority shareholders : Mutual Funds
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, Medium Return
Absolute
Risk Adjusted
Volatility
Columbia Financial, Inc.
-4.69%
0.40
32.12%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.90%
EBIT Growth (5y)
-68.82%
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
13.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
494
Industry P/E
Price to Book Value
1.55
EV to EBIT
-209.90
EV to EBITDA
989.93
EV to Capital Employed
1.32
EV to Sales
5.46
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-0.63%
ROE (Latest)
0.31%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at USD 53.7 MM
NET SALES(Q)
Highest at USD 116.49 MM
OPERATING PROFIT(Q)
Highest at USD 16.17 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.88 %
PRE-TAX PROFIT(Q)
Highest at USD 16.5 MM
NET PROFIT(Q)
Highest at USD 12.3 MM
EPS(Q)
Highest at USD 0.12
-9What is not working for the Company
NET PROFIT(9M)
At USD 4.36 MM has Grown at -61.03%
OPERATING CASH FLOW(Y)
Lowest at USD 13.67 MM
GROSS NPA (%)
(Q
Here's what is working for Columbia Financial, Inc.
NII
Highest at USD 53.7 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
At USD 16.5 MM has Grown at 199.44%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 12.3 MM has Grown at 137%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 116.49 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 16.17 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 13.88 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 16.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 12.3 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.12
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 3.65 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Columbia Financial, Inc.
Operating Cash Flow
Lowest at USD 13.67 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.48%
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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