Columbia FinancialCLBK +0.83%61 EV-to-FCF is 49.36 as of Jul. 01, 2026, which is 7% above its 10-year median of 46.27. GuruFocus rates CLBK with a GF Score™ of 61/100 and a GF Value™ of $19.49 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, Columbia Financial ranks worse than 93.31% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Columbia Financial's Enterprise Value is $3,174.6 Mil.
Columbia Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $64.3 Mil. Therefore, Columbia Financial's EV-to-FCF for today is 49.36.
The historical rank and industry rank for Columbia Financial's EV-to-FCF or its related term are showing as below:
CLBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -311.1 Med: 46.27 Max: 1303.4
Current: 49.36
During the past 10 years, the highest EV-to-FCF of Columbia Financial was 1303.40. The lowest was -311.10. And the median was 46.27.
CLBK's EV-to-FCF is ranked worse than 93.31% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs CLBK: 49.36
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $21.21.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Columbia Financial EV-to-FCF Related Terms
Columbia Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Columbia Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Columbia Financial's EV-to-FCF falls into.
Columbia Financial's current Enterprise Value is $3,174.6 Mil.
Columbia Financial's Free Cash Flow 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 $64.3 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-FCF of 49.36 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Columbia Financial and its competitors. This is near median its historical median of 46.27. According to the industry distribution chart, Columbia Financial ranks #1116 out of 1196 companies in the Banks industry, placing it in the top 93.3%.
Is Columbia Financial's EV-to-FCF too high?
Columbia Financial's current EV-to-FCF of 49.36 is near median its 10-year median of 46.27. The Banks industry median EV-to-FCF is 6.55. Columbia Financial's value of 49.36 is 654.2% above this industry median. Based on the distribution chart, Columbia Financial ranks #1116 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Columbia Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's EV-to-FCF compare to NWBI and SYBT?
According to the Banks industry distribution chart, Columbia Financial ranks #1116 out of 1196 companies for EV-to-FCF. This places Columbia Financial in the lower half of its industry. The industry median EV-to-FCF is 6.55. Columbia Financial's value of 49.36 is 654.2% above this benchmark. While the company's 10-year median is 46.27 vs. the industry median of 6.55, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current EV-to-FCF of 49.36 is 654.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Columbia Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current EV-to-FCF is 49.36, which is near median its own 10-year median of 46.27. 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 Fairly Valued. The stock's GF Value™ is $19.49, compared to a current price of $21.21 — trading 8.8% above its estimated fair value. The current EV-to-FCF is 49.36, which is near median its 10-year median of 46.27 and 654.2% above the Banks industry median of 6.55. Columbia Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Columbia Financial (CLBK), the current EV-to-FCF is 49.36 as of Jul. 01, 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 overvalued.
The current stock price of $21.21 is trading 8.8% above its estimated GF Value™ of $19.49.
GuruFocus considers Columbia Financial to be Fairly Valued.
Key valuation signals for CLBK:
EV-to-FCF: 49.36 (near median its 10-year median of 46.27)
GF Value™: $19.49 vs. price of $21.21 (8.8% above fair value)
Industry Position: 654.2% above the Banks median (#1116 of 1196)
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.
61GF Score
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