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CLBK vs SRCE

CLBK
Columbia Financial, Inc.
NEUTRAL
Price
$17.81
Market Cap
$1.86B
Sector
Financial Services
AI Confidence
85%
SRCE
1st Source Corporation
BULLISH
Price
$74.65
Market Cap
$1.82B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CLBK
34.92
SRCE
11.65
Forward P/E
CLBK
22.54
SRCE
10.91
P/B Ratio
CLBK
1.55
SRCE
1.43
P/S Ratio
CLBK
7.46
SRCE
4.33
EV/EBITDA
CLBK
--
SRCE
--

Profitability

Gross Margin
CLBK
0.0%
SRCE
0.0%
Operating Margin
CLBK
31.87%
SRCE
49.97%
Profit Margin
CLBK
20.8%
SRCE
37.58%
ROE
CLBK
4.62%
SRCE
12.66%
ROA
CLBK
0.48%
SRCE
1.76%

Growth

Revenue Growth
CLBK
236.3%
SRCE
16.8%
Earnings Growth
CLBK
--
SRCE
31.5%

Financial Health

Debt/Equity
CLBK
--
SRCE
--
Current Ratio
CLBK
--
SRCE
--
Quick Ratio
CLBK
--
SRCE
--

Dividends

Dividend Yield
CLBK
--
SRCE
2.14%
Payout Ratio
CLBK
0.0%
SRCE
23.71%

AI Verdict

CLBK NEUTRAL

CLBK shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (20.8% margin)
Strong revenue growth of 236.3%
Risks
High valuation with P/E of 34.9
Premium vs Graham Number ($11.47)
Weak ROE of 4.6%
SRCE BULLISH

SRCE exhibits strong fundamental growth and valuation appeal, trading significantly below both its Graham Number ($86.87) and estimated Intrinsic Value ($189.09). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company's earnings track record is exemplary, with consistent beats over 25 quarters and 31.5% YoY earnings growth. Despite bearish insider sentiment and a low technical trend score, the low P/E ratio relative to the sector and sustainable dividend payout ratio support a bullish outlook.

Strengths
Exceptional earnings track record with consistent surprises over 25 quarters
Strong YoY earnings growth of 31.5% and revenue growth of 16.8%
Trading at a discount to the Graham Number ($86.87) and Intrinsic Value ($189.09)
Risks
Bearish insider activity with recent officer sales
Moderate Piotroski F-Score (4/9) suggesting room for balance sheet improvement
Low dividend yield (2.14%) compared to some regional bank peers

Compare Another Pair

CLBK vs SRCE: Head-to-Head Comparison

This page compares Columbia Financial, Inc. (CLBK) and 1st Source Corporation (SRCE) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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