CLBK
Columbia Financial, Inc.
CLBK has the edge over JPM overall, supported by stronger fundamentals.
JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
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.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
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.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM 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 JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
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.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM 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 JPM 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.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM 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 JPM at down 229%.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
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 |
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over CLBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% 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.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
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).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
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.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM 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 JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% 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 JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.