Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.38B
• Dividend Yield: N/A
• Average Volume (3M): 174.97K
• Price to Earnings (P/E): 97.2
• Beta (1Y): 0.74
• Revenue Growth: 6.89%
• EPS Growth: -132.77%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): -0.11
• Shares Outstanding: 104,730,125
• 10 Day Avg. Volume: 299,547
• 30 Day Avg. Volume: 174,966
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 7.35
• Price to Cash Flow (P/CF): -13.90
• P/FCF Ratio: 12.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $18.00
• Price Target Upside: 36.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Columbia Financial's stock score reflects a mixed financial performance with revenue growth but significant challenges in profitability and cash flow. The strong balance sheet is a positive aspect, yet the negative P/E ratio raises concerns about valuation. Technical indicators suggest neutral market momentum.

Columbia Financial Business Overview & Revenue Model

Company Description

Columbia Financial, Inc. (CLBK) is a financial services company primarily engaged in providing retail and commercial banking services. Operating through its subsidiary, Columbia Bank, the company offers a range of financial products and services, including savings accounts, checking accounts, commercial and residential mortgages, business loans, and other personal and business banking services. Serving customers primarily in New Jersey and New York, Columbia Financial focuses on building strong community ties and delivering personalized banking solutions.

How the Company Makes Money

Columbia Financial makes money primarily through the interest income generated from its loan portfolio, which includes residential mortgages, commercial real estate loans, and consumer loans. The company also earns revenue from non-interest income sources such as service charges on deposit accounts, fees for banking services, and income from investment securities. Additionally, Columbia Financial benefits from strategic partnerships with other financial institutions and service providers, which help enhance its product offerings and expand its customer base. The company's focus on community-centric banking and personalized customer service contributes to its strong market presence and steady earnings.

Columbia Financial Financial Statement Overview

Summary

Columbia Financial shows revenue growth but faces significant challenges with profitability and cash flow. The balance sheet's strength is evident with no debt, yet the negative net income and cash flow issues are concerning for long-term stability.

Income Statement

Columbia Financial faced a challenging year with a significant decline in net income, resulting in a negative net profit margin. Revenue saw a robust increase from the previous year, but profitability metrics like EBIT margin showed volatility. The gross profit margin remained stable, highlighting efficiency in cost management despite revenue fluctuations.

Balance Sheet

The balance sheet reveals a strong equity position with no reported debt in the latest annual report, improving from the prior year's high debt levels. The equity ratio is healthy, indicating a solid asset base backed by equity. However, the return on equity has been impacted by the negative net income, which poses a concern for shareholder returns.

Cash Flow

The company's cash flow statements show a concerning trend with negative operating and free cash flow, reflecting potential liquidity challenges. Compared to prior years, there is a noticeable decline in cash generation capabilities, which may hinder future growth and operational flexibility.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
451.43M	233.25M	297.18M	271.96M	252.84M
	Gross Profit
451.43M	421.66M	297.18M	271.96M	252.84M
	EBIT
434.75M	55.60M	146.42M	126.18M	76.26M
	EBITDA
0.00	-239.00K	130.23M	137.82M	86.62M
	Net Income Common Stockholders
-11.65M	36.09M	86.17M	92.05M	57.60M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
289.22M	423.25M	1.51B	1.77B	1.74B
	Total Assets
10.48B	10.65B	10.41B	9.22B	8.80B
	Total Debt
1.08B	1.53B	1.13B	377.31M	799.36M
	Net Debt
791.38M	1.11B	947.82M	306.35M	376.41M
	Total Liabilities
9.40B	9.61B	9.35B	377.31M	799.36M
	Stockholders Equity
1.08B	1.04B	1.05B	1.08B	1.01B
Cash Flow		Free Cash Flow
-1.36M	33.08M	134.95M	93.21M	43.26M
	Operating Cash Flow
-1.36M	40.72M	142.16M	98.70M	47.89M
	Investing Cash Flow
1.83M	39.65M	-614.73M	-443.61M	257.64M
	Financing Cash Flow
-206.81M	163.66M	580.83M	-7.09M	41.88M

Columbia Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.14
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLBK, the sentiment is Negative. The current price of 13.14 is below the 20-day moving average (MA) of 14.52, below the 50-day MA of 15.14, and below the 200-day MA of 16.39, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 39.15 is Neutral, neither overbought nor oversold. The STOCH value of 17.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CLBK.

Columbia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SRCE	75 Outperform	$1.32B	9.92	12.51%	2.66%	12.26%	7.48%
CUBI	75 Outperform	$1.38B	8.62	10.44%	―	-3.61%	-29.58%
NWBI	71 Outperform	$1.39B	13.90	6.36%	7.34%	7.67%	-25.85%
FCF	67 Neutral	$1.44B	10.11	10.49%	3.69%	11.61%	-9.42%
LKFN	67 Neutral	$1.34B	14.25	14.02%	3.75%	9.38%	-0.59%
Sector *	64 Neutral	$13.37B	9.30	9.39%	4.85%	16.11%	-8.85%
CLBK	50 Neutral	$1.38B	97.23	-1.10%	―	6.89%	-132.77%

Columbia Financial Corporate Events

Columbia Financial Appoints New COO Matthew Smith

Columbia Financial, Inc. has announced the appointment of Matthew Smith as the new Senior Executive Vice President and Chief Operating Officer, succeeding E. Thomas Allen, Jr., who will retire in early 2025. Smith, with a strong background in digital banking from his tenure at Webster and Sterling National Banks, is expected to drive innovation and growth for Columbia Bank. The leadership change underscores Columbia’s commitment to enhancing customer service and maintaining its competitive edge in the financial sector.

Columbia Financial’s Strategic Growth Amidst Regulatory Challenges

Columbia Financial, Inc., the parent of Columbia Bank, is preparing to engage analysts and potential investors with a presentation that outlines its growth strategies, financial performance, and market positioning. Despite facing challenges like increased funding costs and regulatory pressures, the company remains optimistic as its net interest margin stabilizes and capital resources remain robust. With a focus on community banking and a solid presence in NJ, PA, and NY suburbs, Columbia is strategically managing its loan portfolio, emphasizing commercial lending while de-emphasizing residential real estate.