Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.71B
• Dividend Yield: N/A
• Average Volume (3M): 147.05K
• Price to Earnings (P/E): 111.2
• Beta (1Y): 0.75
• Revenue Growth: -3.60%
• EPS Growth: -8.63%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 104,313,354
• 10 Day Avg. Volume: 158,776
• 30 Day Avg. Volume: 147,054
• PEG Ratio: 1.05
• Price to Book (P/B): 1.49
• Price to Sales (P/S): 3.55
• P/FCF Ratio: 62.13
• Enterprise Value/Market Cap: 0.75
• Enterprise Value/Revenue: 2.74
• Enterprise Value/Gross Profit: 6.15
• Enterprise Value/Ebitda: 49.63
• 1Y Price Target: $17.00
• Price Target Upside: 5.33% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $18.00 ▲(11.52% Upside)

Columbia Financial's overall score is driven by strong financial performance and positive corporate events. However, technical indicators suggest overbought conditions, and the high P/E ratio indicates overvaluation, which tempers the overall score.

Positive Factors

Cash Generation

Strong cash generation indicates effective cash management, providing financial flexibility for growth and investment opportunities.

Strategic Growth Initiatives

The focus on strategic growth and capital deployment through organic growth and acquisitions positions the company for long-term expansion.

Asset Quality

Strong asset quality reduces risk and enhances stability, ensuring the company can withstand economic fluctuations and maintain profitability.

Negative Factors

Revenue Growth Slowdown

Slowing revenue growth may indicate challenges in market expansion or increased competition, potentially impacting future earnings.

Low Profitability

Low profitability limits the company's ability to reinvest in growth and may affect its competitive positioning over time.

Reliance on Debt

High reliance on debt can strain financial resources and limit flexibility, posing risks if interest rates rise or economic conditions worsen.

Columbia Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Columbia Financial generates revenue primarily through interest income from loans, which includes residential and commercial mortgages, consumer loans, and business loans. In addition to interest income, the company earns non-interest income through service fees, deposit account fees, and investment advisory services. The bank's focus on community banking allows it to establish strong relationships with local customers, contributing to customer loyalty and retention. Partnerships with local businesses and organizations also enhance its revenue opportunities. Furthermore, Columbia Financial's strategic management of its asset portfolio and interest rate spread is crucial in optimizing its earnings.

Columbia Financial Financial Statement Overview

Summary

Columbia Financial demonstrates a stable financial position with improving operational efficiency but low profitability. The balance sheet is stable but reliant on debt, while cash flow generation is strong, indicating effective cash management.

Income Statement

Columbia Financial shows a mixed performance in its income statement. The TTM (Trailing-Twelve-Months) gross profit margin is healthy at 44.5%, indicating efficient cost management. However, the net profit margin is low at 1.4%, suggesting challenges in converting revenue into profit. Revenue growth is positive at 4.7% TTM, but lower than previous years, indicating a slowdown. EBIT and EBITDA margins have improved from negative to positive, reflecting operational improvements.

Balance Sheet

The balance sheet reflects moderate stability with a debt-to-equity ratio of 1.11 TTM, which is reasonable for the banking industry but indicates a reliance on debt. Return on equity is low at 0.6% TTM, suggesting limited profitability from equity. The equity ratio is stable, showing a solid base of stockholders' equity relative to total assets.

Cash Flow

Cash flow analysis reveals strong free cash flow growth of 1272.5% TTM, indicating improved cash generation. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is high at 87.5%, showing effective cash management relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	466.91M	453.32M	422.36M	340.07M	308.98M	326.21M
Gross Profit	207.77M	165.43M	228.47M	291.69M	281.92M	234.40M
EBITDA	25.75M	-1.35M	60.32M	130.23M	137.82M	86.62M
Net Income	6.66M	-11.65M	36.09M	86.17M	92.05M	57.60M
Balance Sheet
Total Assets	10.86B	10.48B	10.65B	10.41B	9.22B	8.80B
Cash, Cash Equivalents and Short-Term Investments	1.05B	1.06B	1.52B	1.51B	1.77B	1.74B
Total Debt	1.26B	1.08B	1.53B	1.13B	377.31M	799.36M
Total Liabilities	9.71B	9.40B	9.61B	9.35B	8.15B	7.79B
Stockholders Equity	1.14B	1.08B	1.04B	1.05B	1.08B	1.01B
Cash Flow
Free Cash Flow	63.84M	25.88M	33.08M	134.95M	93.21M	44.42M
Operating Cash Flow	72.92M	33.32M	40.72M	142.16M	98.70M	49.04M
Investing Cash Flow	-223.00M	39.47M	39.65M	-614.73M	-443.61M	257.64M
Financing Cash Flow	119.99M	-206.81M	163.66M	580.83M	-7.09M	40.72M

Columbia Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 16.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Neutral. The current price of 16.14 is below the 20-day moving average (MA) of 16.63, above the 50-day MA of 15.63, and above the 200-day MA of 14.89, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 46.68 is Neutral, neither overbought nor oversold. The STOCH value of 6.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CLBK.

Columbia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SRCE	82 Outperform	$1.58B	10.54	12.65%	2.35%	5.09%	15.78%
STEL	76 Outperform	$1.62B	15.73	6.38%	1.82%	-4.40%	-8.80%
CCB	75 Outperform	$1.79B	37.02	11.82%	―	-2.11%	6.48%
LOB	72 Outperform	$1.66B	24.14	6.31%	0.33%	10.41%	-19.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LKFN	63 Neutral	$1.52B	15.68	13.50%	3.37%	-2.90%	-1.47%
CLBK	60 Neutral	$1.71B	111.23	1.34%	―	-3.60%	-8.63%

Columbia Financial Corporate Events

Columbia Financial Announces Strategic Growth Presentation

On November 10, 2025, Columbia Financial, Inc. announced the availability of a slide presentation detailing its operating and growth strategies and financial performance. The company reported significant financial growth for the nine months ending September 30, 2025, with net income increasing by $26.5 million to $36.1 million compared to the previous year. The company also achieved loan and deposit growth, maintained strong asset quality, and authorized a new share repurchase program. These developments indicate a robust financial position and strategic focus on capital deployment through organic growth, acquisitions, and stock repurchases.