Three independent discounted-cash-flow-style models value Columbia Financial, Inc. Common Stock every trading day. 0 of 3 currently price CLBK above its market price.
| Free Cash Flow model | $5.32 |
| Excess Profit model | $0.64 |
| Residual Earnings model | $0.30 |
| Dividend Discount model | $1.10 |
| Piotroski F-Score | 8 / 9 |
| Return on invested capital | +2.3% |
| Net debt / EBITDA | 17.4× |
| Gross margin | +100.0% |
| Revenue CAGR | +20.4% |
| Cash conversion | 1.3× |
| Dividend yield | +0.4% |
| Buyback yield | +0.8% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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