Capitol Federal Financial vs Columbia Financial
CFFN and CLBK side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFFN and CLBK compare
Columbia Financial is the larger company, worth 2.8 times as much as Capitol Federal Financial ($3.0B against $1.1B).
On earnings, Capitol Federal Financial is cheaper: it trades at 12.9× trailing earnings, against 25.4× for Columbia Financial.
Columbia Financial grew revenue faster over the last twelve months (45.9% versus 19.4% for Capitol Federal Financial).
Capitol Federal Financial keeps more of each dollar of sales as profit, with a net margin of 36.1% compared with 15.6% at Columbia Financial.
Both pay dividends: Capitol Federal Financial yields 4.0% and Columbia Financial 0.90%.
Capitol Federal Financial scores higher on the StockData Score (13 against 8 for Columbia Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFFN | CLBK |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $3.0B |
| Share price | $8.41 | $11.16 |
| Change, 1 year | 32.0% | 61.1% |
| Change, 5 years | −29.6% | 29.4% |
| Beta (5Y) | 0.59 | 0.40 |
| Employees | 678 | 796 |
| StockData Score | ||
| Total score | 13 (better) | 8 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 3 (better) | 0 |
| Health score | 2 | 4 (better) |
| Dividend score | 4 (better) | 1 |
| Valuation | ||
| P/E | 12.9× (better) | 25.4× |
| P/S | 4.6× (better) | 9.7× |
| P/B | 1.0× | 0.9× (better) |
| P/FCF | 14.8× (better) | 34.1× |
| FCF yield | 6.8% (better) | 2.9% |
| Fair value | $8.26 | $8.71 |
| Margin of safety | −1.8% (better) | −28.1% |
| Growth | ||
| Revenue growth (TTM) | 19.4% | 45.9% (better) |
| Revenue growth, 5Y average | 1.9% (better) | 0.46% |
| Net income growth (TTM) | 35.2% | 227% (better) |
| EPS growth (TTM) | 38.3% | 529% (better) |
| EPS growth, 5Y average | 2.0% (better) | −0.39% |
| Profitability | ||
| Net margin | 36.1% (better) | 15.6% |
| FCF margin | 31.2% (better) | 28.4% |
| Return on equity | 8.0% (better) | 2.3% |
| Financial health | ||
| Altman Z-score | 0.09 | 0.22 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 4.0% (better) | 0.90% |
| Payout ratio | 58.6% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −12.9% | – |
| Buyback yield | 4.7% | – |
| Shareholder yield | 8.8% (better) | 0.90% |
| Ownership | ||
| Held by institutions | 81.4% | 13.4% |
| Held by insiders | 7.7% | 1.9% |
| Insider net buying, 12 months | $0 | $4.8M (better) |
| Short interest, % of float | 5.8% | 7.6% |
Go deeper
- CFFN stock overview
- CFFN income statement
- CFFN valuation and score
- CLBK stock overview
- CLBK income statement
- CLBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.