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 - $19.74
Previous CloseN/A
Volume16.04K
Average Volume (3M)147.05K
Market Cap
$2.04B
Enterprise Value$3.00B
Total Cash (Recent Filing)$276.95M
Total Debt (Recent Filing)$1.24B
Price to Earnings (P/E)33.8
Beta0.79
Next Earnings
Jul 29, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.55
Shares Outstanding104,047,470
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/Revenue5.90
Enterprise Value/Gross Profit11.48
Enterprise Value/Ebitda41.77
Forecast
1Y Price Target
$18.50Price Target Upside-0.32% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.76
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 $19.74 in the past 12 months.
What is Columbia Financial Inc’s market cap?
Columbia Financial Inc’s market cap is $2.04B.
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 74 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 0.16.
How many shares outstanding does Columbia Financial Inc have?
Columbia Financial Inc has 104,047,470 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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Analyst Consensus
Hold
Average Price Target:
$18.50 (-0.32% Downside)
$18.50 (-0.32% Downside)
Blogger Sentiment
Bullish
CLBK Sentiment 100%
Sector Average ―
Sector Average ―
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., 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
▼(-0.32% Downside)
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
4.05% Mutual Funds
0.85% Other Institutional Investors
88.69% Public Companies and
Individual Investors