Capitol Federal Financial (CFFN) vs Columbia Financial (CLBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Columbia Financial (CLBK) has outperformed Capitol Federal Financial (CFFN) over the past year, gaining 59.9% versus a gain of 32.2%. Over five years, CLBK leads with a +26.4% price change compared with -28.9% for CFFN. Columbia Financial is the larger company by market cap ($2.91 billion vs $1.04 billion), about 2.8 times the size.
On valuation, Capitol Federal Financial trades at a lower forward P/E (10.9x vs 17.0x for Columbia Financial). Capitol Federal Financial pays a dividend yielding 4.04%, while Columbia Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFFN | CLBK |
|---|---|---|
| Share price | $8.42 | $10.80 |
| Market cap | $1.04B | $2.91B |
| 1-day change | -1.17% | -2.96% |
| YTD return | +23.64% | +52.90% |
| 1-year return | +32.18% | +59.89% |
| 5-year return | -28.95% | +26.38% |
| P/E ratio (TTM) | 12.95 | 19.29 |
| Forward P/E | 10.86 | 17.04 |
| EPS (TTM) | $0.65 | $0.56 |
| Dividend yield | 4.04% | 1.85% |
| Annual dividend | $0.34 | $0.00 |
| 52-week high | $9.26 | $12.00 |
| 52-week low | $5.97 | $6.21 |
| Distance from 52-week high | -9.07% | -10.00% |
| Analyst consensus | none | none |
| Avg. price target upside | +12.83% | +31.20% |
| Average volume | 889.15K | 6.09M |
| Shares outstanding | 123.37M | 269.55M |
| Employees | 604 | 749 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Columbia Financial is about 2.8 times larger than Capitol Federal Financial by market value ($2.91B vs $1.04B).
- CLBK has outperformed CFFN by 27.7 percentage points over the past year.
- Columbia Financial trades at a higher earnings multiple (19.3x vs 13.0x trailing P/E).
- Capitol Federal Financial offers a meaningfully higher dividend yield (4.04% vs 1.85%).
- The two companies sit in different sectors: Capitol Federal Financial in Financial Services and Columbia Financial in Finance.
About Capitol Federal Financial
CFFN stock →Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States.
Financial Services · Banks - Regional · 604 employees
About Columbia Financial
CLBK stock →Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States.
Finance · Savings Institutions · 749 employees
CFFN vs CLBK FAQ
Which is bigger, Capitol Federal Financial or Columbia Financial?
Columbia Financial (CLBK) is larger, with a market capitalization of $2.91B compared with $1.04B for Capitol Federal Financial (CFFN).
Which stock has performed better over the past year, CFFN or CLBK?
CLBK returned +59.89% over the past 12 months, compared with +32.18% for CFFN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFFN or CLBK?
CFFN has the lower trailing P/E at 13.0, versus 19.3 for CLBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Capitol Federal Financial or Columbia Financial?
Capitol Federal Financial has the higher yield at 4.04%, compared with 1.85% for Columbia Financial.
Are Capitol Federal Financial and Columbia Financial in the same industry?
No. Capitol Federal Financial is in the Financial Services sector, while Columbia Financial is in Finance.