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Columbia FinancialCLBK -0.05%60 EV-to-OCF is 28.65 as of Aug. 09, 2026, which is 29% below its 10-year median of 40.11. GuruFocus rates CLBK with a GF Score™ of 60/100 and a GF Value™ of $19.56 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,498 Banks companies, Columbia Financial ranks worse than 91.86% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Columbia Financial's Enterprise Value is $2,095.0 Mil.
Columbia Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $73.1 Mil. Therefore, Columbia Financial's EV-to-OCF for today is 28.65.
The historical rank and industry rank for Columbia Financial's EV-to-OCF or its related term are showing as below:
CLBK'
s EV-to-OCF Range Over the Past 10 Years
Min: -234.5 Med: 40.11 Max: 14090.85
Current: 28.65
During the past 10 years, the highest EV-to-OCF of Columbia Financial was 14090.85. The lowest was -234.50. And the median was 40.11.
CLBK's EV-to-OCF is ranked worse than 91.86% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs CLBK: 28.65
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Columbia Financial (NAS:CLBK) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Columbia Financial's PE Ratio (TTM) for today is calculated as:
Columbia Financial's share price for today is $10.845.
Columbia Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.550.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Columbia Financial EV-to-OCF Related Terms
Columbia Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Columbia Financial's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Columbia Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Columbia Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Columbia Financial's EV-to-OCF falls into.
Columbia Financial's current Enterprise Value is $2,095.0 Mil.
Columbia Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $73.1 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Columbia Financial (CLBK) has a EV-to-OCF of 28.65 as of Aug. 09, 2026. This is 29% below median its historical median of 40.11. According to the industry distribution chart, Columbia Financial ranks #1376 out of 1498 companies in the Banks industry, placing it in the top 91.9%.
Is Columbia Financial's EV-to-OCF too high?
Columbia Financial's current EV-to-OCF of 28.65 is 29% below median its 10-year median of 40.11. The Banks industry median EV-to-OCF is 4.04. Columbia Financial's value of 28.65 is 609.2% above this industry median. Based on the distribution chart, Columbia Financial ranks #1376 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Columbia Financial has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's EV-to-OCF compare to MCB and AMTB?
According to the Banks industry distribution chart, Columbia Financial ranks #1376 out of 1498 companies for EV-to-OCF. This places Columbia Financial in the lower half of its industry. The industry median EV-to-OCF is 4.04. Columbia Financial's value of 28.65 is 609.2% above this benchmark. While the company's 10-year median is 40.11 vs. the industry median of 4.04, Columbia Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current EV-to-OCF of 28.65 is 609.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current EV-to-OCF is 28.65, which is 29% below median its own 10-year median of 40.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Columbia Financial stock overvalued right now?
Based on GuruFocus' analysis, Columbia Financial (CLBK) is currently considered Significantly Undervalued. The stock's GF Value™ is $19.56, compared to a current price of $10.85 — trading 44.6% below its estimated fair value. The current EV-to-OCF is 28.65, which is 29% below median its 10-year median of 40.11 and 609.2% above the Banks industry median of 4.04. Columbia Financial's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Columbia Financial (CLBK), the current EV-to-OCF is 28.65 as of Aug. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Columbia Financial (CLBK) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Financial stock appears to be undervalued.
The current stock price of $10.85 is trading 44.6% below its estimated GF Value™ of $19.56.
GuruFocus considers Columbia Financial to be Significantly Undervalued.
Key valuation signals for CLBK:
EV-to-OCF: 28.65 (29% below median its 10-year median of 40.11)
GF Value™: $19.56 vs. price of $10.85 (44.6% below fair value)
Industry Position: 609.2% above the Banks median (#1376 of 1498)
No single metric tells the full story. See the CLBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Columbia Financial Inc is a federally chartered savings bank that serves the financial needs of depositors and the local community as a customer service-focused institution. The company offers traditional financial services to businesses and consumers in its market areas. It attracts deposits from the general public and uses those funds to originate various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans. The company also offers title insurance through its wholly owned subsidiary and provides a broad range of insurance products, including personal and business lines of insurance, mainly to customers and New Jersey residents.
60GF Score
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