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Columbia Financial
(NASDAQ:CLBK)
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Rating:61Neutral
Price Target:
$22.50
▲(21.23% Upside)
Action:Reiterated
Date:07/03/26
The score is driven primarily by improving financial performance (return to profitability and strong recent revenue growth) and favorable technical momentum (price above major moving averages with positive MACD). This is partially offset by a rich valuation (high P/E with no dividend yield provided) and the company’s uneven earnings history with modest ROE. Corporate events add support due to the large capital raise and acquisition plan, though they carry execution/regulatory uncertainty.
Positive Factors
Capital raise and scale
A ~ $1.1B subscription raise materially strengthens the bank's capital base, enabling higher lending capacity, regulatory cushion, and funding for the Northfield acquisition. This durable capital improvement supports long-term balance-sheet expansion and reduces sensitivity to funding shocks.
Negative Factors
Earnings volatility & modest ROE
Historic swings from strong results to a 2024 loss and a modest TTM ROE show earnings sensitivity to credit and rate cycles. Persistent volatility undermines the predictability of retained earnings, complicating capital planning and limiting durable shareholder returns over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital raise and scale
A ~ $1.1B subscription raise materially strengthens the bank's capital base, enabling higher lending capacity, regulatory cushion, and funding for the Northfield acquisition. This durable capital improvement supports long-term balance-sheet expansion and reduces sensitivity to funding shocks.
Read all positive factors
Columbia Financial (CLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.20B
Dividend YieldN/A
Average Volume (3M)147.05K
Price to Earnings (P/E)38.5
Beta (1Y)0.76
Revenue Growth12.80%
EPS GrowthN/A
CountryUS
Employees708
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.55
Shares Outstanding104,055,970
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 Cap1.38
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
Columbia Financial Business Overview & Revenue Model
Company Description
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 op...
How the Company Makes Money
Columbia Financial primarily makes money through traditional banking spread and fee-based activities conducted by its subsidiary bank. The largest driver is typically net interest income: it earns interest and fees on loans (such as commercial loa...
Columbia Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 508.78M | 507.44M | 453.32M | 422.36M | 340.07M | 308.98M |
| Gross Profit | 261.67M | 255.00M | 165.43M | 228.47M | 291.69M | 281.92M |
| EBITDA | 79.70M | 68.86M | -1.35M | 60.32M | 130.23M | 137.82M |
| Net Income | 47.77M | 51.77M | -11.65M | 36.09M | 86.17M | 92.05M |
Balance Sheet | ||||||
| Total Assets | 11.01B | 11.02B | 10.48B | 10.65B | 10.41B | 9.22B |
| Cash, Cash Equivalents and Short-Term Investments | 276.95M | 340.69M | 1.06B | 1.52B | 1.51B | 1.77B |
| Total Debt | 1.24B | 1.18B | 1.08B | 1.53B | 1.13B | 377.31M |
| Total Liabilities | 9.84B | 9.86B | 9.40B | 9.61B | 9.35B | 8.15B |
| Stockholders Equity | 1.17B | 1.16B | 1.08B | 1.04B | 1.05B | 1.08B |
Cash Flow | ||||||
| Free Cash Flow | 64.32M | 58.56M | 25.88M | 33.08M | 134.95M | 93.21M |
| Operating Cash Flow | 73.12M | 68.40M | 33.32M | 40.72M | 142.16M | 98.70M |
| Investing Cash Flow | -352.05M | -454.16M | 39.47M | 39.65M | -614.73M | -443.61M |
| Financing Cash Flow | 299.79M | 437.35M | -206.81M | 163.66M | 580.83M | -7.09M |
Columbia Financial Technical Analysis
Positive
18.56
Price Trends
20.15
Positive
19.04
Positive
17.43
Positive
Market Momentum
0.34
Negative
60.25
Neutral
63.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLBK, the sentiment is Positive. The current price of 18.56 is below the 20-day moving average (MA) of 20.64, below the 50-day MA of 20.15, and above the 200-day MA of 17.43, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 60.25 is Neutral, neither overbought nor oversold. The STOCH value of 63.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CLBK.
Columbia Financial Risk Analysis
Columbia Financial disclosed 44 risk factors in its most recent earnings report. Columbia Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Columbia Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.91B | 15.76 | 10.37% | 0.33% | 8.62% | 99.65% | |
76 Outperform | $1.95B | 12.42 | 12.89% | 2.37% | 4.51% | 14.48% | |
76 Outperform | $1.49B | 14.04 | 14.79% | 3.37% | -0.58% | 22.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.20B | 23.94 | 10.20% | ― | -3.36% | -6.31% | |
61 Neutral | $2.20B | 38.55 | 4.87% | ― | 12.80% | ― |
* Financial Sector Average
CLBK
Columbia Financial
21.25
6.44
43.44%
SRCE
1St Source
81.44
18.92
30.27%
LKFN
Lakeland Financial
60.40
-2.51
-3.98%
LOB
Live Oak Bancshares
41.65
9.41
29.18%
CCB
Coastal Financial
78.47
-23.09
-22.74%
Columbia Financial Corporate Events
Business Operations and StrategyM&A TransactionsPrivate Placements and FinancingShareholder Meetings
Columbia Financial advances conversion, acquisition and capital raise
Positive
Jul 2, 2026
On June 25, 2026, Columbia Financial’s stockholders approved a Plan of Conversion and Reorganization that will transform Columbia Bank MHC from a mutual holding company into a fully public stock holding company. At the same meeting, they als...
Business Operations and StrategyM&A TransactionsPrivate Placements and Financing
Columbia Financial Announces Second-Step Conversion and Capital Raise
Positive
May 11, 2026
On May 11, 2026, Columbia Financial, Inc. announced that a newly formed Maryland corporation bearing the same name will serve as the successor holding company to Columbia Bank as it undertakes a second-step conversion from mutual holding company t...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Columbia Financial Updates Executive Contracts Ahead of Conversion
Positive
Apr 27, 2026
On April 21 and 22, 2026, Columbia Financial entered into new two-year employment agreements effective April 1, 2026, with five senior executives overseeing banking, consumer banking, commercial banking, risk, and technology, replacing prior contr...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Columbia Financial Names Splaine Principal Financial and Accounting Officer
Positive
Apr 23, 2026
On April 17, 2026, Columbia Financial, Inc. named Executive Vice President and Chief Financial Officer Thomas Splaine, Jr. as its principal financial officer and principal accounting officer for U.S. Securities and Exchange Commission reporting pu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.