Columbia Financial vs Third Coast Bancshares
CLBK and TCBX 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 TCBX compare
Columbia Financial is the larger company, worth 4.6 times as much as Third Coast Bancshares ($3.0B against $659M).
On earnings, Third Coast Bancshares is cheaper: it trades at 10.0× trailing earnings, against 25.4× for Columbia Financial.
Columbia Financial grew revenue faster over the last twelve months (45.9% versus 26.4% for Third Coast Bancshares).
Third Coast Bancshares keeps more of each dollar of sales as profit, with a net margin of 31.4% compared with 15.6% at Columbia Financial.
Columbia Financial pays a dividend yielding 0.90%; Third Coast Bancshares does not pay one.
Third Coast Bancshares scores higher on the StockData Score (16 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 | CLBK | TCBX |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $659M |
| Share price | $11.16 | $39.58 |
| Change, 1 year | 61.1% | 3.7% |
| Change, 5 years | 29.4% | 41.4% |
| Beta (5Y) | 0.40 | 0.58 |
| Employees | 796 | 412 |
| StockData Score | ||
| Total score | 8 | 16 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 0 | 5 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 1 (better) | 0 |
| Valuation | ||
| P/E | 25.4× | 10.0× (better) |
| P/S | 9.7× | 2.8× (better) |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 34.1× | – |
| PEG | – | 0.22 |
| FCF yield | 2.9% | – |
| Fair value | $8.71 | $44.77 |
| Margin of safety | −28.1% | 11.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 45.9% (better) | 26.4% |
| Revenue growth, 5Y average | 0.46% | 24.2% (better) |
| Net income growth (TTM) | 227% (better) | 30.7% |
| EPS growth (TTM) | 529% (better) | 23.1% |
| EPS growth, 5Y average | −0.39% | 14.7% (better) |
| Profitability | ||
| Net margin | 15.6% | 31.4% (better) |
| FCF margin | 28.4% | – |
| Return on equity | 2.3% | 12.7% (better) |
| Financial health | ||
| Altman Z-score | 0.22 (better) | 0.15 |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.90% | – |
| Shareholder yield | 0.90% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 13.4% | 60.3% |
| Held by insiders | 1.9% | 15.6% |
| Insider net buying, 12 months | $4.8M (better) | −$70.7K |
| Short interest, % of float | 7.6% | 3.6% |
Go deeper
- CLBK stock overview
- CLBK income statement
- CLBK valuation and score
- TCBX stock overview
- TCBX income statement
- TCBX valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.