Columbia Financial Balance Sheet Health
Financial Health criteria checks 6/6
Columbia Financial has total assets of $10.7B and total equity of $1.1B. Total deposits are $8.0B, and total loans are $7.8B. It earns a Net Interest Margin of 2.2%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $297.5M.
Key information
9.9x
Asset to equity ratio
2.2%
Net interest margin
| Total deposits | US$7.96b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$297.54m |
Recent financial health updates
No updates
Recent updates
Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?
Jun 23
Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?
Mar 02If You Like EPS Growth Then Check Out Columbia Financial (NASDAQ:CLBK) Before It's Too Late
Nov 04Here's Why We Think Columbia Financial (NASDAQ:CLBK) Is Well Worth Watching
Jul 05Columbia Financial to acquire Freehold Bank
Jun 17Columbia Financial EPS beats by $0.03, beats on revenue
Apr 28Is Now The Time To Put Columbia Financial (NASDAQ:CLBK) On Your Watchlist?
Mar 08How Many Columbia Financial, Inc. (NASDAQ:CLBK) Shares Do Institutions Own?
Feb 01
How Many Columbia Financial, Inc. (NASDAQ:CLBK) Shares Did Insiders Buy, In The Last Year?
Dec 11Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CLBK's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: CLBK has a sufficient allowance for bad loans (209%).
Low Risk Liabilities: 83% of CLBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: CLBK has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: CLBK's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: CLBK has an appropriate level of bad loans (0.4%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 06:41 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Columbia Financial, Inc. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacob Civiello | Janney Montgomery Scott LLC |
| Mark Fitzgibbon | Piper Sandler Companies |
| Mark Fitzgibbon | Sandler O'Neill |