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 Dec 25
- NII(Q) Highest at USD 60.22 MM
- OPERATING CASH FLOW(Y) Highest at USD 44.02 MM
- ROCE(HY) Highest at 0.48%
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.
15.58%
0.68
32.75%
S&P 500
19.17%
0.99
19.34%
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
14.50%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
162
Industry P/E
Price to Book Value
1.53
EV to EBIT
-2657.26
EV to EBITDA
196.82
EV to Capital Employed
1.29
EV to Sales
5.80
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-0.04%
ROE (Latest)
0.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend30What is working for the Company
NII(Q)
Highest at USD 60.22 MM
OPERATING CASH FLOW(Y)
Highest at USD 44.02 MM
ROCE(HY)
Highest at 0.48%
PRE-TAX PROFIT(Q)
Highest at USD 19.86 MM
NET PROFIT(Q)
Highest at USD 15.86 MM
NET SALES(Q)
Highest at USD 121.88 MM
OPERATING PROFIT(Q)
Highest at USD 19.91 MM
EPS(Q)
Highest at USD 0.15
-2What is not working for the Company
ROCE(HY)
Lowest at 0.48%
Here's what is working for Columbia Financial, Inc.
NII
Highest at USD 60.22 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
Highest at USD 19.86 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)
Pre-Tax Profit
At USD 19.86 MM has Grown at 188.72%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 15.86 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 15.86 MM has Grown at 194.16%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 44.02 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 121.88 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 19.91 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
EPS
Highest at USD 0.15
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 14.03%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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