` Comparison: CLBK vs ESNT - Alpha Spread
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CLBK
vs
ESNT

Over the past 12 months, CLBK has outperformed ESNT, delivering a return of +22% compared to the ESNT's +5% growth.

Valuation Growth Profitability Solvency Stocks Performance
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CLBK
ESNT
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Stocks Compared:
CLBK ESNT
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Valuation Comparison

CLBK Intrinsic Value
12.17 USD
Overvaluation 34%
Intrinsic Value
Price
ESNT Intrinsic Value
85.56 USD
Undervaluation 31%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Columbia Financial Inc
NASDAQ:CLBK
18.44 USD
Essent Group Ltd
NYSE:ESNT
59.07 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CLBK, ESNT

CLBK
ESNT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Columbia Financial Inc
Revenue
Essent Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CLBK, ESNT

CLBK
ESNT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Columbia Financial Inc
NASDAQ:CLBK
FCF is not applicable for financial companies
Essent Group Ltd
NYSE:ESNT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CLBK
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Columbia Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Operating Margin

CLBK
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Columbia Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Net Margin

CLBK
20%
ESNT
54.7%

FCF Margin

CLBK
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Columbia Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROE

CLBK
4.6%
ESNT
12.1%

ROA

CLBK
0.5%
ESNT
9.5%

ROIC

CLBK
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Columbia Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROCE

CLBK
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Columbia Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

Columbia Financial Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Essent Group Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CLBK, ESNT

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ESNT
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CLBK, ESNT

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CLBK
ESNT
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CLBK, ESNT

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ESNT
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