CLBK
Columbia Financial, Inc.
CLBK's outlook is improving, though it still trails on the overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CLBK overall, supported by stronger valuation and stronger fundamentals.
CLBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CLBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CLBK.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CLBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $11.22 | — |
| Cheap | 24x | $5.10 | -55% |
| Fair | 33x | $6.85 | -39% |
| Current | 53x | $11.22 | — |
| Expensive | 95x | $19.98 | +78% |
Historical ranges are pointers, not guarantees.
CLBK's PE is in its expensive range at 53x. If earnings grow as analysts expect, today's price would be 16x next year's earnings, in its cheap range.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over CLBK in the historical PE scenario, which offers more potential upside but is not a forecast.
CLBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
CLBK has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CLBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.70 | +233% |
| Q3 2026 | $0.21 | +200% |
| Q2 2026 | $0.26 | +767% |
| Q1 2026 | $0.25 | +$0.25 |
| Q4 2025 | $0.23 | +$0.28 |
| Q3 2025 | $0.07 | 0% |
| Q2 2025 | $0.03 | -63% |
| Q1 2025 | -$0.00 | -100% |
| Q4 2024 | -$0.05 | -131% |
CLBK's earnings per share have fallen from their peak: $0.21 over the past year, against $0.40 in late 2021.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CLBK on earnings, with more consistent year-over-year improvement.
CLBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $100.5M | +49% |
| Q2 2026 | $73.7M | +15% |
| Q1 2026 | $67.1M | +14% |
| Q4 2025 | $68.8M | +203% |
| Q3 2025 | $67.3M | +24% |
| Q2 2025 | $63.9M | +20% |
| Q1 2025 | $58.8M | +18% |
| Q4 2024 | $22.7M | -60% |
CLBK has the edge over GS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 1.1% | -28 points |
| Q2 2026 | 27% | +1.3 points |
| Q1 2026 | 28% | +7.4 points |
| Q4 2025 | 29% | +146 points |
| Q3 2025 | 29% | +16 points |
| Q2 2025 | 26% | +17 points |
| Q1 2025 | 20% | +23 points |
| Q4 2024 | -118% | -131 points |
CLBK's operating margin was 1.1% last quarter, down 28 points from the same quarter a year ago, near the bottom of its range since 2019.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over CLBK on profitability, with a higher operating margin.
CLBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.5M | +69% |
| Q1 2026 | $1.3M | +$5.8M |
| Q4 2025 | $22M | -19% |
| Q3 2025 | $28.1M | +$59.2M |
| Q2 2025 | $12.9M | -25% |
| Q1 2025 | -$4.5M | -136% |
| Q4 2024 | $27.3M | +$62.1M |
| Q3 2024 | -$31.1M | -176% |
CLBK has the stronger cash trend. Its trailing FCF is up 48% versus its history, compared with GS at down 278%.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CLBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +12% | +27.4M shares |
| 1 year | +12% | +27.2M shares |
| 3 years | +12% | +27M shares |
| 5 years | +11% | +25.1M shares |
| Available history | +4% | +9.8M shares |
CLBK has 252M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $10.5M |
| Q3 2025 | $2.8M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $4.2M |
| Q1 2024 | $1.7M |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CLBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CLBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 11.3x | High |
| Q4 2025 | 10.7x | High |
| Q3 2025 | 31.4x | High |
| Q2 2025 | 52.4x | High |
| Q1 2025 | 108.8x | High |
| Q3 2024 | 39.8x | High |
| Q2 2024 | 39.1x | High |
| Q1 2024 | 38.4x | High |
CLBK's net debt is about 11 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CLBK.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
CLBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 40.9 | Neutral |
CLBK's weekly RSI is 63 (neutral) and its Stochastic is 41 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CLBK PE vs Financial Services Sector
| Metric | CLBK | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 309% above |
| PE % | 79 | 63 | 16 pts above |
CLBK is trading at 53x earnings, a 309% premium to the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over CLBK on valuation relative to its sector.
CLBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.1 | 1.5% above |
| 20 week MA | $11.0 | 1.6% above |
| 50 week MA | $9.34 | 20% above |
| 100 week MA | $8.06 | 39% above |
| 200 week MA | $7.97 | 41% above |
CLBK has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CLBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.82 | $6.97 | -11% |
| 2021 | $6.97 | $9.40 | +35% |
| 2022 | $9.40 | $9.76 | +3.8% |
| 2023 | $9.76 | $8.76 | -10% |
| 2024 | $8.76 | $7.19 | -18% |
| 2025 | $7.19 | $7.33 | +1.9% |
| 2026 YTD | $7.33 | $11.2 | +53% |
CLBK has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.