Columbia Financial [CLBK] vs PNC Financial [PNC] Detailed Stock Comparison

Columbia Financial Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Columbia Financial Inc. wins in 4 metrics, PNC Financial Services Group, Inc. wins in 14 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Columbia Financial Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 32.74 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.60 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 1.07 1.12 Columbia Financial Inc.
PEG Ratio 0.74 11.84 Columbia Financial Inc.
Profit Margin (TTM) 21.59% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 33.40% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 33.40% 35.28% PNC Financial Services Group, Inc.
Return on Equity 4.92% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.52% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $58.56M $7.88B PNC Financial Services Group, Inc.
Dividend Yield N/A 3.02% N/A
1-Year Return 48.81% 37.08% Columbia Financial Inc.
Price-to-Sales Ratio (TTM) 7.23 3.35 PNC Financial Services Group, Inc.
Enterprise Value $2.84B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 10.96 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $3 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $0.55 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.19 1.07 Columbia Financial Inc.
Short % of Float 8.40% 1.26% PNC Financial Services Group, Inc.

Columbia Financial Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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CLBK
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Columbia Financial Inc.-2.80%-3.04%2.81%15.17%17.25%30.48%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Columbia Financial Inc.48.81%11.11%26.45%32.02%32.02%32.02%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Columbia Financial Inc. vs PNC Financial Services Group, Inc.

MetricCLBKPNC
Market Information
Market Cap i$1.89B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i224,2021,904,080
90 Day Avg. Volume i252,4111,960,760
Last Close$20.12$230.56
52 Week Range$13.66 - $21.19$172.88 - $243.94
% from 52W High-5.07%-5.48%
All-Time High$22.86 (Jul 25, 2022)$243.94 (Feb 06, 2026)
% from All-Time High-11.99%-5.48%
Growth Metrics
Quarterly Revenue Growth0.19%0.05%
Quarterly Earnings Growth0.47%0.11%
Financial Health
Profit Margin (TTM) i0.22%0.29%
Operating Margin (TTM) i0.33%0.35%
Return on Equity (TTM) i0.05%0.11%
Debt to Equity (MRQ) i1.071.12
Cash & Liquidity
Book Value per Share (MRQ)$11.27$127.98
Cash per Share (MRQ)$2.66$27.54
Operating Cash Flow (TTM) i$49.96M$5.61B
Levered Free Cash Flow (TTM) i$51.77M$5.50B
Dividends
Last 12-Month Dividend Yield iN/A3.02%
Last 12-Month Dividend iN/A$6.70

Valuation & Enterprise Metrics Analysis: Columbia Financial Inc. vs PNC Financial Services Group, Inc.

MetricCLBK (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i32.7412.56
Forward P/E i23.0811.84
PEG Ratio i0.7411.84
Price to Sales (TTM) i7.233.35
Price to Book (MRQ) i1.601.39
Market Capitalization
Market Capitalization i$1.89B$70.31B
Enterprise Value i$2.84B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i10.966.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.191.07
Book Value per Share (MRQ) i$11.27$127.98

Financial Statements Comparison: Columbia Financial Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCLBK (2025)PNC (2024)
Revenue/Sales i258.70M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i67.99M7.24B
Pre-Tax Income % of Revenue i26.3%34.8%
Income Tax i16.22M1.29B
Income Tax % of Revenue i6.3%6.2%
Net Income (Profit) i51.77M5.95B
Profit Margin i20.0%28.6%

Balance Sheet & Liquidity Metrics

MetricCLBK (2025)PNC (2024)
Cash & Equivalents i340.81M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i1.18B61.67B
Long-Term Debt % of Revenue i457.5%296.4%
Total Shareholders Equity i1.16B54.47B
Retained Earnings i933.72M59.28B
Retained Earnings % of Revenue i360.9%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricCLBK (2025)PNC (2024)
Operating Cash Flow i49.96M7.96B
Operating Cash Flow % of Revenue i19.3%38.3%
Capital Expenditures i-9.84MN/A
Free Cash Flow i58.56M7.88B
FCF Margin i22.6%37.9%
Debt Repayment i-104.42M-23.75B
Common Stock Repurchase i-13.79M-1.19B

Short Interest & Institutional Ownership Analysis

MetricCLBKPNC
Shares Short i2.20M4.98M
Short Ratio i7.762.41
Short % of Float i8.40%1.26%
Shares Outstanding i104.14M395.94M
Float Shares i26.27M392.38M
% Held by Insiders i74.98%0.38%
% Held by Institutions i12.99%85.29%
% Held by Public i12.03%14.33%

Dividend Analysis & Yield Comparison: Columbia Financial Inc. vs PNC Financial Services Group, Inc.

MetricCLBKPNC
Last 12-Month Dividend iN/A$6.70
Last 12-Month Dividend Yield iN/A3.02%
3-Year Avg Annual Dividend iN/A$6.40
3-Year Avg Dividend Yield iN/A1.00%
3-Year Total Dividends iN/A$19.20
Ex-Dividend DateN/AJan 20, 2026