Columbia Financial, Inc. (CLBK)
Savings Institution, Federally Chartered · Financial Services · $2.1B
Intrinsic Value (Consensus)
$8.83
Current Price
$20.05
Margin of Safety
-56%
56% Above Intrinsic Value
Value: $9
Price: $20
Valuation Model Estimates
Current Price: $20.05
DCF (Discounted Cash Flow)
$8.85
Graham Number
$11.31
Earnings Power Value
$4.95
Relative Value (P/E)
$10.20
Dividend Discount Model
Not applicable
—
Consensus Value
$8.83
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
38
Profitability
12/25
Strength
15/25
Valuation
7/25
Growth
4/25
Financial Health Signals
Elevated debt — Debt/Equity ratio is 102%
Key Financials
- EPS (TTM)
- $0.51
- EPS (Forward)
- $0.54
- Book Value
- $11.15
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 4.5%
- Debt/Equity
- 102%
- Revenue Growth
- N/A
- Earnings Growth
- 5.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance