Columbia Financial, Inc. — Earnings Quality Grade F
CLBK · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 59 days, change -23 days YoY
AR growth 2.7% vs revenue growth 43.8%
Revenue 43.8%, CFFO 105.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 32.1% vs revenue 43.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.32. Profits backed by cash
FCF $0.1B, FCF/NI = 1.13
Accruals ratio = -0.2%. Low accruals
Cash $0.3B covers only 29% of debt $1.2B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 10% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Columbia Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25