Columbia Financial Inc (CLBK)
NASDAQ:CLBK
CLBK Stock Chart & Stats
$17.34
-$0.09(-0.55%)
At close: 4:00 PM EST
$17.34
-$0.09(-0.55%)
Day’s Range― - ―
52-Week Range$12.64 - $18.87
Previous CloseN/A
Volume16.04K
Average Volume (3M)147.05K
Market Cap
$1.81B
Enterprise Value$2.65B
Total Cash (Recent Filing)$340.69M
Total Debt (Recent Filing)$1.18B
Price to Earnings (P/E)30.4
Beta0.76
Next Earnings
Apr 29, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.15
Shares Outstanding104,118,380
10 Day Avg. Volume158,776
30 Day Avg. Volume147,054
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)1.36
Price to Sales (P/S)3.11
P/FCF Ratio26.91
Enterprise Value/Market Cap1.47
Enterprise Value/Revenue5.23
Enterprise Value/Gross Profit10.40
Enterprise Value/Ebitda38.50
Forecast
1Y Price Target
$18.50Price Target Upside6.69% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.77
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Steady Revenue GrowthColumbia shows multi-year top-line growth with an acceleration in 2025 (8.68%), indicating expanding loan originations and deposit activity. Sustained revenue momentum improves scale economics, supports recovery of net income after 2024 weakness, and funds reinvestment in digital and branch capabilities over the medium term.
Conversion And Northfield Acquisition Expands ScaleThe mutual-to-stock conversion combined with the ~$597M Northfield deal creates a pro forma ~$18bn bank and management projects ~50% EPS accretion by 2027 at midpoint valuation. This structural move enlarges the franchise, diversifies revenue across NJ/NY, and provides fresh capital to support growth and integration synergies.
Improved Leverage Versus 2023Debt-to-equity has fallen to roughly 1.0 from ~1.47 in 2023, signaling de-leveraging and a stronger balance sheet. Reduced leverage enhances regulatory and funding flexibility, lowers solvency risk, and strengthens the company’s capacity to support acquisitions, absorb loan losses, and invest in long-term franchise initiatives without overreliance on volatile funding.
Bears Say
Weakened Cash-flow GenerationOperating and free cash flow have deteriorated materially since 2022, with a ~45.5% decline in 2025 FCF growth. Weak cash generation constrains internal funding for organic growth, limits buffer for credit stress or unexpected liquidity needs, and increases reliance on external capital to finance acquisitions or strategic initiatives.
Modest, Volatile Profitability And Low ROEEarnings have been volatile—loss in 2024 and only modest ROE (~4.46% in 2025)—reflecting structurally compressed margins versus 2021–22. Limited and uneven profitability reduces retained earnings growth, hampers capital build, and implies slower capacity to self-fund expansion or sustain higher risk-adjusted returns long term.
Execution And Regulatory Risk On Conversion/acquisitionThe conversion and Northfield merger are material strategic moves but hinge on regulatory, depositor, and shareholder approvals and timely integration. Approval delays, onerous regulator conditions, or integration misexecution could reduce projected EPS accretion, raise costs, and distract management from core credit and margin management.
Columbia Financial News
CLBK FAQ
What was Columbia Financial Inc’s price range in the past 12 months?
Columbia Financial Inc lowest stock price was $12.64 and its highest was $18.87 in the past 12 months.
What is Columbia Financial Inc’s market cap?
Columbia Financial Inc’s market cap is $1.81B.
When is Columbia Financial Inc’s upcoming earnings report date?
Columbia Financial Inc’s upcoming earnings report date is Apr 29, 2026 which is in 33 days.
How were Columbia Financial Inc’s earnings last quarter?
Columbia Financial Inc released its earnings results on Feb 02, 2026. The company reported $0.152 earnings per share for the quarter, beating the consensus estimate of $0.15 by $0.002.
Is Columbia Financial Inc overvalued?
According to Wall Street analysts Columbia Financial Inc’s price is currently Undervalued.
Does Columbia Financial Inc pay dividends?
Columbia Financial Inc does not currently pay dividends.
What is Columbia Financial Inc’s EPS estimate?
Columbia Financial Inc’s EPS estimate is 0.16.
How many shares outstanding does Columbia Financial Inc have?
Columbia Financial Inc has 104,118,380 shares outstanding.
What happened to Columbia Financial Inc’s price movement after its last earnings report?
Columbia Financial Inc reported an EPS of $0.152 in its last earnings report, beating expectations of $0.15. Following the earnings report the stock price went up 8.851%.
Which hedge fund is a major shareholder of Columbia Financial Inc?
Currently, no hedge funds are holding shares in CLBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Columbia Financial Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-22.12%
12-Months-Change
Fundamentals
Return on Equity
1.34%
Trailing 12-Months
Asset Growth
-0.23%
Trailing 12-Months
Company Description
Columbia Financial Inc
Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides 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 that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
CLBK Stock 12 Month Forecast
Average Price Target
$18.50
▲(6.69% Upside)
Technical Analysis
1St Source
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Lakeland Financial
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Live Oak Bancshares
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Stellar Bancorp
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Coastal Financial
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Ownership Overview
1.63% Insiders
4.06% Mutual Funds
0.25% Other Institutional Investors
89.58% Public Companies and
Individual Investors