Columbia Financial (NASDAQ:CLBK – Get Free Report) and American Bitcoin (NASDAQ:ABTC – Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, dividends, valuation and earnings.
Institutional & Insider Ownership
12.7% of Columbia Financial shares are held by institutional investors. Comparatively, 10.2% of American Bitcoin shares are held by institutional investors. 3.4% of Columbia Financial shares are held by insiders. Comparatively, 15.0% of American Bitcoin shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent recommendations for Columbia Financial and American Bitcoin, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Columbia Financial | 1 | 1 | 0 | 0 | 1.50 |
| American Bitcoin | 1 | 1 | 1 | 0 | 2.00 |
Risk and Volatility
Columbia Financial has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, American Bitcoin has a beta of 3.58, indicating that its stock price is 258% more volatile than the S&P 500.
Earnings and Valuation
This table compares Columbia Financial and American Bitcoin”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Columbia Financial | $489.17 million | 3.38 | -$11.65 million | $0.15 | 105.60 |
| American Bitcoin | $20.54 million | 74.06 | -$21.30 million | ($0.45) | -3.64 |
Columbia Financial has higher revenue and earnings than American Bitcoin. American Bitcoin is trading at a lower price-to-earnings ratio than Columbia Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Columbia Financial and American Bitcoin’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Columbia Financial | 2.96% | 4.36% | 0.45% |
| American Bitcoin | -10.79% | -5.57% | -2.58% |
Summary
Columbia Financial beats American Bitcoin on 8 of the 14 factors compared between the two stocks.
About Columbia Financial
Columbia Financial, Inc., a bank holding company, provides various financial services to businesses and consumers in the United States. Its deposit products include checking, interest-earning checking products and municipal, savings and club deposits, and money market accounts, as well as certificates of deposit. The company also provides various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans, such as automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, it offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey; and branch offices in Freehold, New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
About American Bitcoin
Gryphon Digital Mining is an innovative venture in the bitcoin space. Gryphon Digital Mining, formerly known as Akerna Corp., is based in DENVER.
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