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Cortland Bancorp

I am not a stock trading expert, but I can give you some general information about Columbia Financial Inc. (ticker symbol CLDB), a public company that operates as a bank holding company in the Midwest region of the United States.

According to the latest financial data (as of Dec 31, 2021):

* Market Cap: $553.21M

* P/E Ratio (TTM): 9.33

* EPS (TTM): $3.36

* Annual Dividend & Yield: $0.36 (0.68%)

Columbia Financial's earnings growth has been positive over the past few years, with an EPS increase from $2.37 in 2019 to $3.36 in 2021, representing a CAGR of 16.3%. The company has reported steady revenue growth, with total assets increasing from $6.3 billion in 2019 to $8.2 billion in 2021.

In terms of profitability, the company has a return on equity (ROE) of 9.8% and a return on assets (ROA) of 1.0%, which are considered solid for the banking industry. However, it's worth noting that the company's net interest margin (NIM) has decreased slightly from 3.1% in 2019 to 2.9% in 2021, which could indicate some pressure on net interest income in the future.

Columbia Financial's balance sheet appears to be strong, with a tangible common equity ratio of 8.5% and a loan-to-deposit ratio of 88.9%. This suggests that the company has a solid capital position and a conservative approach to lending.

In terms of valuation, Columbia Financial's P/E ratio of 9.33 is below the industry average, which could indicate that the stock is undervalued relative to its peers. However, as with any investment, it's important to conduct thorough research and consider seeking advice from a financial advisor or investment professional.

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