Columbia Financial Inc (CLBK)
NASDAQ:CLBK
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CLBK Stock Chart & Stats
$18.56
-$0.09(-0.55%)
At close: 4:00 PM EST
$18.56
-$0.09(-0.55%)
Day’s Range― - ―
52-Week Range$13.66 - $21.20
Previous CloseN/A
Volume16.04K
Average Volume (3M)147.05K
Market Cap
$2.17B
Enterprise Value$3.03B
Total Cash (Recent Filing)$276.95M
Total Debt (Recent Filing)$1.24B
Price to Earnings (P/E)37.9
Beta0.74
Next Earnings
Jul 29, 2026EPS Estimate
0.15Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.55
Shares Outstanding104,058,235
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 Cap1.40
Enterprise Value/Revenue5.96
Enterprise Value/Gross Profit11.58
Enterprise Value/Ebitda38.03
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.74
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conversion And Capital RaiseThe planned second-step conversion and sizable capital raise, with regulatory approvals in place, create a durable funding source to support balance sheet expansion and the Northfield acquisition. Greater scale and capital improve lending capacity and competitive position in New Jersey over the medium term.
Management Retention And GovernanceContract renewals, equity incentives and severance protections for senior executives bolster leadership continuity through the conversion and integration period. Strong retention reduces execution risk, preserves institutional knowledge, and supports consistent strategic execution over the next several quarters.
Revenue Recovery And Margin ImprovementReturn to profitability with accelerating revenue and solid operating/net margins indicates restored core banking earnings power. Sustained net interest income and fee trends suggest the franchise can generate recurring cash flow and support lending growth and investment over the medium term.
Bears Say
Acquisition & Conversion Execution RiskCompleting a conversion plus an immediate acquisition amplifies integration demands: systems, credit portfolios, customer retention and regulatory conditions. Execution missteps could raise costs, delay synergies, or require additional capital, materially affecting medium-term earnings and strategic outcomes.
Historical Earnings VolatilitySharp swings from strong 2021–22 to a 2024 loss highlight sensitivity to credit and rate cycles. Modest trailing ROE (~4.9%) limits retained earnings buildup and implies slower equity returns, which constrains organic capital growth and makes long-term earnings visibility weaker.
Cash Flow InconsistencyAlthough FCF tracked earnings recently, historical variability and reliance on an uneven base reduce predictability of internal funding. Inconsistent cash conversion can limit investment, constrain buffers for credit stress, and increase reliance on capital raises during strategic moves like acquisitions.
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 $13.66 and its highest was $21.20 in the past 12 months.
What is Columbia Financial Inc’s market cap?
Columbia Financial Inc’s market cap is $2.17B.
When is Columbia Financial Inc’s upcoming earnings report date?
Columbia Financial Inc’s upcoming earnings report date is Jul 29, 2026 which is in 31 days.
How were Columbia Financial Inc’s earnings last quarter?
Columbia Financial Inc released its earnings results on Apr 20, 2026. The company reported $0.148 earnings per share for the quarter, missing the consensus estimate of $0.155 by -$0.007.
Is Columbia Financial Inc overvalued?
According to Wall Street analysts Columbia Financial Inc’s price is currently Overvalued.
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 0.15.
How many shares outstanding does Columbia Financial Inc have?
Columbia Financial Inc has 104,058,235 shares outstanding.
What happened to Columbia Financial Inc’s price movement after its last earnings report?
Columbia Financial Inc reported an EPS of $0.148 in its last earnings report, missing expectations of $0.155. Following the earnings report the stock price went down -2.2%.
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
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Blogger Sentiment
Bullish
CLBK Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-22.12%
12-Months-Change
Fundamentals
Return on Equity
4.87%
Trailing 12-Months
Asset Growth
3.80%
Trailing 12-Months
Company Description
Columbia Financial Inc
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.
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
1.84% Insiders
4.11% Mutual Funds
0.85% Other Institutional Investors
88.37% Public Companies and
Individual Investors