COMP <GO>
TFSL vs CLBK // EV/EBITDA & P/E VALUATION
TFS Financial Corporation (NASDAQ) VS. Columbia Financial Inc. (NASDAQ) • 15-METRIC TALLY: TFSL 2
— CLBK 1
■ METRIC PARITY
LAST: $16.76 (+0.54%) • MKT CAP: $4.70B
valuation
—
LAST: $10.73 (+0.56%) • MKT CAP: $2.89B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TFSL VS. CLBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TFSL | CLBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.80% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 1.51% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.27% | 0.00% | +1.27 | TFSL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.1 | 53.4 | -7.32 | CLBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 48.1x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.70B | $2.89B | $1.81B | TFSL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TFSL REV | CLBK REV | TFSL GROSS % | CLBK GROSS % | TFSL FCF | CLBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $71.0M | — |
| FY 2024 | $0 | — | — | — | $85.5M | — |
| FY 2023 | $0 | — | — | — | $90.7M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TFSL // BETA —
CLBK // BETA —