{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "7ea0ce8f-86d6-42e3-8a76-709f429177fa",
    "symbol": "CLBK",
    "name": "Columbia Financial Inc",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/7ea0ce8f-86d6-42e3-8a76-709f429177fa/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "7ea0ce8f-86d6-42e3-8a76-709f429177fa",
      "symbol": "CLBK",
      "name": "Columbia Financial Inc",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/7ea0ce8f-86d6-42e3-8a76-709f429177fa/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CLBK",
    "market_cap_usd": 2109042196.63,
    "price": 20.700001,
    "currency": "USD",
    "dividend_yield": 0.0,
    "dividend_years": 0,
    "dividend_growth_5y": null,
    "dividend_cut_5y": false,
    "payout_ratio": 0.0,
    "net_income": 51766000.0,
    "free_cash_flow": 58561000.0,
    "fcf_covers_dividend": null,
    "debt_to_equity": 1.0195946,
    "revenue_growth_5y": 0.09238588,
    "net_margin": 0.21591,
    "roe": 0.04922,
    "pe_ratio": 37.636364,
    "price_vs_ma": 0.16692039,
    "return_3y": 0.18897191,
    "return_5y": 0.1708145,
    "max_drawdown": -0.41208053,
    "scores": {
      "dividend_reliability": 0.0,
      "dividend_sustainability": 15.5,
      "business_quality": 21.5,
      "valuation": 3.5,
      "trend": 13.5,
      "total": 54.0,
      "confidence": 82.0
    },
    "rating": "avoid",
    "rating_label": "Avoid",
    "decision": "insufficient_data",
    "decision_label": "Insufficient Data",
    "warnings": [
      "No usable dividend history found."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/7ea0ce8f-86d6-42e3-8a76-709f429177fa/",
      "chart": "https://sharemaestro.com/terminal/7ea0ce8f-86d6-42e3-8a76-709f429177fa/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 0.0,
    "dividend_sustainability": 15.5,
    "business_quality": 21.5,
    "valuation": 3.5,
    "trend": 13.5,
    "total": 54.0,
    "confidence": 82.0
  },
  "warnings": [
    "No usable dividend history found."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "CLBK",
      "exchange": "NASDAQ",
      "headline": "CLBK dividend review warning",
      "detail": "No usable dividend history found.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7ea0ce8f-86d6-42e3-8a76-709f429177fa/"
    }
  ]
}