Columbia Financial vs First Guaranty Bancshares
CLBK and FGBI side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CLBK and FGBI compare
Columbia Financial is the larger company, worth 15 times as much as First Guaranty Bancshares ($3.0B against $204M).
Columbia Financial grew revenue faster over the last twelve months (45.9% versus −7.5% for First Guaranty Bancshares).
Columbia Financial keeps more of each dollar of sales as profit, with a net margin of 15.6% compared with −38.9% at First Guaranty Bancshares.
Both pay dividends: Columbia Financial yields 0.90% and First Guaranty Bancshares 0.32%.
Columbia Financial scores higher on the StockData Score (8 against 6 for First Guaranty Bancshares), 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 | CLBK | FGBI |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $204M |
| Share price | $11.16 | $12.35 |
| Change, 1 year | 61.1% | 97.9% |
| Change, 5 years | 29.4% | −40.5% |
| Beta (5Y) | 0.40 | 0.39 |
| Employees | 796 | 15K |
| StockData Score | ||
| Total score | 8 (better) | 6 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 (better) | 0 |
| Performance score | 0 | 0 |
| Health score | 4 (better) | 2 |
| Dividend score | 1 | 2 (better) |
| Valuation | ||
| P/E | 25.4× | – |
| P/S | 9.7× | 2.2× (better) |
| P/B | 0.9× | 0.9× (better) |
| P/FCF | 34.1× | 5.3× (better) |
| FCF yield | 2.9% | 18.8% (better) |
| Fair value | $8.71 | – |
| Margin of safety | −28.1% | – |
| Growth | ||
| Revenue growth (TTM) | 45.9% (better) | −7.5% |
| Revenue growth, 5Y average | 0.46% (better) | −0.62% |
| Net income growth (TTM) | 227% | – |
| EPS growth (TTM) | 529% | – |
| EPS growth, 5Y average | −0.39% | – |
| Profitability | ||
| Net margin | 15.6% (better) | −38.9% |
| FCF margin | 28.4% | 41.2% (better) |
| Return on equity | 2.3% (better) | −14.8% |
| Financial health | ||
| Altman Z-score | 0.22 (better) | 0.06 |
| Piotroski F-score | 7 (better) | 2 |
| Dividends and buybacks | ||
| Dividend yield | 0.90% (better) | 0.32% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | −41.4% |
| Buyback yield | – | −3.7% |
| Shareholder yield | 0.90% (better) | −3.3% |
| Ownership | ||
| Held by institutions | 13.4% | 8.5% |
| Held by insiders | 1.9% | 63.1% |
| Insider net buying, 12 months | $4.8M | $8.6M (better) |
| Short interest, % of float | 7.6% | – |
Go deeper
- CLBK stock overview
- CLBK income statement
- CLBK valuation and score
- FGBI stock overview
- FGBI income statement
- FGBI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.