Columbia Financial vs TFS Financial
CLBK and TFSL 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 TFSL compare
TFS Financial is the larger company, worth 1.5 times as much as Columbia Financial ($4.6B against $3.0B).
On earnings, Columbia Financial is cheaper: it trades at 25.4× trailing earnings, against 45.5× for TFS Financial.
Columbia Financial grew revenue faster over the last twelve months (45.9% versus 10.5% for TFS Financial).
TFS Financial keeps more of each dollar of sales as profit, with a net margin of 29.7% compared with 15.6% at Columbia Financial.
Both pay dividends: Columbia Financial yields 0.90% and TFS Financial 7.1%.
TFS 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 | CLBK | TFSL |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $4.6B |
| Share price | $11.16 | $16.38 |
| Change, 1 year | 61.1% | 19.0% |
| Change, 5 years | 29.4% | −15.3% |
| Beta (5Y) | 0.40 | 0.59 |
| Employees | 796 | 958 |
| StockData Score | ||
| Total score | 8 | 13 (better) |
| Valuation score | 1 | 1 |
| Growth score | 2 | 2 |
| Performance score | 0 | 3 (better) |
| Health score | 4 (better) | 1 |
| Dividend score | 1 | 6 (better) |
| Valuation | ||
| P/E | 25.4× (better) | 45.5× |
| P/S | 9.7× (better) | 13.4× |
| P/B | 0.9× (better) | 2.3× |
| P/FCF | 34.1× (better) | 53.2× |
| PEG | – | 6.35 |
| FCF yield | 2.9% (better) | 1.9% |
| Fair value | $8.71 | $10.91 |
| Margin of safety | −28.1% (better) | −50.1% |
| Growth | ||
| Revenue growth (TTM) | 45.9% (better) | 10.5% |
| Revenue growth, 5Y average | 0.46% | 1.7% (better) |
| Net income growth (TTM) | 227% (better) | 22.7% |
| EPS growth (TTM) | 529% (better) | 24.1% |
| EPS growth, 5Y average | −0.39% | 2.0% (better) |
| Profitability | ||
| Net margin | 15.6% | 29.7% (better) |
| FCF margin | 28.4% (better) | 25.1% |
| Return on equity | 2.3% | 5.3% (better) |
| Financial health | ||
| Altman Z-score | 0.22 | 0.27 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.90% | 7.1% (better) |
| Payout ratio | – | 58.6% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.36% |
| Buyback yield | – | 0.19% |
| Shareholder yield | 0.90% | 7.3% (better) |
| Ownership | ||
| Held by institutions | 13.4% | 13.7% |
| Held by insiders | 1.9% | 0.45% |
| Insider net buying, 12 months | $4.8M (better) | −$2.4M |
| Short interest, % of float | 7.6% | 3.7% |
Go deeper
- CLBK stock overview
- CLBK income statement
- CLBK valuation and score
- TFSL stock overview
- TFSL income statement
- TFSL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.