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Side-by-side financial comparison of Columbia Financial, Inc. (CLBK) and Microvast Holdings, Inc. (MVST). Click either name above to swap in a different company.

Microvast Holdings, Inc. is the larger business by last-quarter revenue ($96.4M vs $68.8M, roughly 1.4× Columbia Financial, Inc.). Columbia Financial, Inc. runs the higher net margin — 22.8% vs 17.2%, a 5.7% gap on every dollar of revenue. On growth, Columbia Financial, Inc. posted the faster year-over-year revenue change (29.7% vs -15.0%). Columbia Financial, Inc. produced more free cash flow last quarter ($58.6M vs $15.8M). Over the past eight quarters, Columbia Financial, Inc.'s revenue compounded faster (17.7% CAGR vs 8.9%).

Ameriprise Financial, Inc. is an American diversified financial services company and bank holding company based in Minneapolis, Minnesota. It provides financial planning products and services, including wealth management, asset management, insurance, annuities, and estate planning.

Microvast Holdings, Inc. is a battery technology company headquartered in Stafford, Texas, and publicly traded on the NASDAQ Stock Exchange. It designs, develops and manufactures battery components and systems primarily for electric commercial vehicles and utility-scale energy storage systems (ESS). Microvast has manufacturing facilities in the United States, China, and Germany.

CLBK vs MVST — Head-to-Head

Bigger by revenue
MVST
MVST
1.4× larger
MVST
$96.4M
$68.8M
CLBK
Growing faster (revenue YoY)
CLBK
CLBK
+44.7% gap
CLBK
29.7%
-15.0%
MVST
Higher net margin
CLBK
CLBK
5.7% more per $
CLBK
22.8%
17.2%
MVST
More free cash flow
CLBK
CLBK
$42.8M more FCF
CLBK
$58.6M
$15.8M
MVST
Faster 2-yr revenue CAGR
CLBK
CLBK
Annualised
CLBK
17.7%
8.9%
MVST

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
CLBK
CLBK
MVST
MVST
Revenue
$68.8M
$96.4M
Net Profit
$15.7M
$16.5M
Gross Margin
1.0%
Operating Margin
28.6%
-42.7%
Net Margin
22.8%
17.2%
Revenue YoY
29.7%
-15.0%
Net Profit YoY
173.9%
120.1%
EPS (diluted)
$0.15
$0.19

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CLBK
CLBK
MVST
MVST
Q4 25
$68.8M
$96.4M
Q3 25
$67.3M
$123.3M
Q2 25
$63.9M
$91.3M
Q1 25
$58.8M
$116.5M
Q4 24
$46.4M
$113.4M
Q3 24
$54.3M
$101.4M
Q2 24
$53.3M
$83.7M
Q1 24
$49.7M
$81.4M
Net Profit
CLBK
CLBK
MVST
MVST
Q4 25
$15.7M
$16.5M
Q3 25
$14.9M
$-1.5M
Q2 25
$12.3M
$-106.1M
Q1 25
$8.9M
$61.8M
Q4 24
$-21.2M
$-82.3M
Q3 24
$6.2M
$13.2M
Q2 24
$4.5M
$-101.6M
Q1 24
$-1.2M
$-24.8M
Gross Margin
CLBK
CLBK
MVST
MVST
Q4 25
1.0%
Q3 25
37.6%
Q2 25
34.7%
Q1 25
36.9%
Q4 24
36.6%
Q3 24
33.2%
Q2 24
32.5%
Q1 24
21.2%
Operating Margin
CLBK
CLBK
MVST
MVST
Q4 25
28.6%
-42.7%
Q3 25
29.5%
10.5%
Q2 25
25.8%
17.8%
Q1 25
20.4%
16.3%
Q4 24
-57.6%
-1.2%
Q3 24
13.5%
7.1%
Q2 24
9.0%
-118.0%
Q1 24
-2.6%
-28.4%
Net Margin
CLBK
CLBK
MVST
MVST
Q4 25
22.8%
17.2%
Q3 25
22.1%
-1.2%
Q2 25
19.3%
-116.1%
Q1 25
15.1%
53.0%
Q4 24
-45.7%
-72.6%
Q3 24
11.4%
13.1%
Q2 24
8.5%
-121.4%
Q1 24
-2.3%
-30.5%
EPS (diluted)
CLBK
CLBK
MVST
MVST
Q4 25
$0.15
$0.19
Q3 25
$0.15
$0.00
Q2 25
$0.12
$-0.33
Q1 25
$0.09
$0.05
Q4 24
$-0.20
$-0.24
Q3 24
$0.06
$0.03
Q2 24
$0.04
$-0.32
Q1 24
$-0.01
$-0.08

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CLBK
CLBK
MVST
MVST
Cash + ST InvestmentsLiquidity on hand
$340.8M
$105.0M
Total DebtLower is stronger
$1.2B
$13.2M
Stockholders' EquityBook value
$1.2B
$410.5M
Total Assets
$11.0B
$1.0B
Debt / EquityLower = less leverage
1.02×
0.03×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CLBK
CLBK
MVST
MVST
Q4 25
$340.8M
$105.0M
Q3 25
$253.4M
$90.7M
Q2 25
$248.2M
$99.7M
Q1 25
$256.1M
$90.9M
Q4 24
$289.2M
$73.0M
Q3 24
$283.5M
$63.6M
Q2 24
$391.1M
$68.2M
Q1 24
$373.5M
$39.5M
Total Debt
CLBK
CLBK
MVST
MVST
Q4 25
$1.2B
$13.2M
Q3 25
$1.3B
$34.4M
Q2 25
$1.3B
$34.2M
Q1 25
$1.1B
$41.3M
Q4 24
$1.1B
$41.1M
Q3 24
$1.4B
$53.4M
Q2 24
$1.7B
$34.2M
Q1 24
$1.5B
$43.0M
Stockholders' Equity
CLBK
CLBK
MVST
MVST
Q4 25
$1.2B
$410.5M
Q3 25
$1.1B
$358.1M
Q2 25
$1.1B
$356.1M
Q1 25
$1.1B
$454.2M
Q4 24
$1.1B
$387.9M
Q3 24
$1.1B
$486.1M
Q2 24
$1.0B
$455.0M
Q1 24
$1.0B
$546.1M
Total Assets
CLBK
CLBK
MVST
MVST
Q4 25
$11.0B
$1.0B
Q3 25
$10.9B
$1.0B
Q2 25
$10.7B
$1.0B
Q1 25
$10.6B
$982.9M
Q4 24
$10.5B
$951.9M
Q3 24
$10.7B
$997.9M
Q2 24
$10.8B
$961.4M
Q1 24
$10.6B
$1.0B
Debt / Equity
CLBK
CLBK
MVST
MVST
Q4 25
1.02×
0.03×
Q3 25
1.11×
0.10×
Q2 25
1.14×
0.10×
Q1 25
1.01×
0.09×
Q4 24
1.00×
0.11×
Q3 24
1.32×
0.11×
Q2 24
1.61×
0.08×
Q1 24
1.47×
0.08×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CLBK
CLBK
MVST
MVST
Operating Cash FlowLast quarter
$68.4M
$16.4M
Free Cash FlowOCF − Capex
$58.6M
$15.8M
FCF MarginFCF / Revenue
85.1%
16.4%
Capex IntensityCapex / Revenue
14.3%
0.7%
Cash ConversionOCF / Net Profit
4.36×
0.99×
TTM Free Cash FlowTrailing 4 quarters
$95.1M
$56.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CLBK
CLBK
MVST
MVST
Q4 25
$68.4M
$16.4M
Q3 25
$31.0M
$15.2M
Q2 25
$14.6M
$37.2M
Q1 25
$-1.6M
$7.2M
Q4 24
$33.3M
$6.1M
Q3 24
$-28.3M
$-5.4M
Q2 24
$18.6M
$111.0K
Q1 24
$14.1M
$2.0M
Free Cash Flow
CLBK
CLBK
MVST
MVST
Q4 25
$58.6M
$15.8M
Q3 25
$28.1M
$1.2M
Q2 25
$12.9M
$34.3M
Q1 25
$-4.5M
$4.8M
Q4 24
$25.9M
$5.7M
Q3 24
$-31.1M
$-19.6M
Q2 24
$17.2M
$-2.8M
Q1 24
$12.5M
$-8.2M
FCF Margin
CLBK
CLBK
MVST
MVST
Q4 25
85.1%
16.4%
Q3 25
41.8%
1.0%
Q2 25
20.2%
37.5%
Q1 25
-7.6%
4.1%
Q4 24
55.7%
5.1%
Q3 24
-57.3%
-19.3%
Q2 24
32.3%
-3.4%
Q1 24
25.1%
-10.1%
Capex Intensity
CLBK
CLBK
MVST
MVST
Q4 25
14.3%
0.7%
Q3 25
4.2%
11.3%
Q2 25
2.7%
3.1%
Q1 25
4.9%
2.0%
Q4 24
16.0%
0.3%
Q3 24
5.1%
14.0%
Q2 24
2.6%
3.5%
Q1 24
3.4%
12.6%
Cash Conversion
CLBK
CLBK
MVST
MVST
Q4 25
4.36×
0.99×
Q3 25
2.08×
Q2 25
1.19×
Q1 25
-0.18×
0.12×
Q4 24
Q3 24
-4.57×
-0.41×
Q2 24
4.09×
Q1 24

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

CLBK
CLBK

Segment breakdown not available.

MVST
MVST

Europe$35.1M36%
CN$32.5M34%
US$21.5M22%
Other$7.2M8%

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