Where do Columbia Financial, Inc.'s ratios come from?

Every ratio is computed from Columbia Financial, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	20%+26.5pp	-6.5%-21.9pp	15.5%-13.5pp	29%-4.8pp
Free cash flow margin	22.6%+8.3pp	14.4%—	——	45.4%—
Returns
Return on equity	4.6%+5.7pp	-1.1%-4.5pp	3.4%-4.6pp	8.1%-0.7pp
Return on assets	0.5%+0.6pp	-0.1%-0.5pp	0.3%-0.5pp	0.9%-0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	1×0.0×	1×-0.5×	1.5×+0.4×	1.1×+0.7×
Debt-to-assets	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×+0.1×
Per Share
Book value per share	$11.40+7.5%	$10.61+4.9%	$10.11+1.9%	$9.92-4.2%
Valuation
Market capitalization	$1.62B-2.1%	$1.66B-18.1%	$2.02B-14.6%	$2.37B+4.3%
Enterprise value	$2.48B+0.6%	$2.46B-21.6%	$3.14B-5.7%	$3.34B+28.4%
Price / earnings	31.3×—	——	56.1×+28.6×	27.5×+2.8×
Price / sales	6.3×-2.9×	9.2×+0.5×	8.7×+0.7×	8×-0.4×
Price / book	1.4×-0.1×	1.5×-0.4×	1.9×-0.3×	2.2×+0.1×
EV / sales	9.6×-4.1×	13.7×+0.2×	13.5×+2.3×	11.2×+1.7×
Free cash flow yield	3.6%+2.0pp	1.6%—	——	5.7%—
Earnings yield	3.2%+3.9pp	-0.7%-2.5pp	1.8%-1.9pp	3.6%-0.4pp

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

Where do Columbia Financial, Inc.'s ratios come from?: Every ratio is computed from Columbia Financial, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.