Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.50B
• Dividend Yield: N/A
• Average Volume (3M): 114.13K
• Price to Earnings (P/E): 97.2
• Beta (1Y): 0.72
• Revenue Growth: 4.29%
• EPS Growth: -109.93%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.09
• Shares Outstanding: 104,927,560
• 10 Day Avg. Volume: 122,631
• 30 Day Avg. Volume: 114,126
• PEG Ratio: -3.89
• Price to Book (P/B): 2.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 16.91
• Enterprise Value/Market Cap: 2.15
• Enterprise Value/Revenue: 3.13
• Enterprise Value/Gross Profit: 10.37
• Enterprise Value/Ebitda: 115.38
• 1Y Price Target: $16.00
• Price Target Upside: 15.03% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 48 Neutral
• Price Target: ―

Columbia Financial's overall stock score reflects a challenging financial environment with positive revenue growth overshadowed by profitability and cash flow issues. Technical indicators suggest a bearish trend, and the valuation metrics indicate overvaluation. The absence of debt is a strength, but the negative P/E ratio and lack of dividend yield are concerning.

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's financial performance in the latest year presents a mixed picture. Revenue growth is a positive sign, but significant challenges persist in profitability and cash flow. The balance sheet is robust with no debt, yet negative net income and cash flow issues pose risks.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
244.56M	179.88M	233.25M	291.69M	271.96M	326.21M
	Gross Profit
311.49M	179.88M	228.47M	297.18M	271.96M	252.84M
	EBIT
30.34M	0.00	46.05M	119.69M	129.85M	76.26M
	EBITDA
15.66M	-1.35M	60.32M	130.23M	129.85M	86.62M
	Net Income Common Stockholders
-1.60M	-11.65M	36.09M	86.17M	92.05M	57.60M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
256.09M	289.22M	1.52B	1.51B	1.77B	1.74B
	Total Assets
10.61B	10.48B	10.65B	10.41B	9.22B	8.80B
	Total Debt
1.11B	1.08B	1.53B	1.13B	377.31M	799.36M
	Net Debt
851.50M	791.38M	1.11B	947.82M	306.35M	376.41M
	Total Liabilities
9.51B	9.40B	9.61B	9.35B	8.15B	7.79B
	Stockholders Equity
1.10B	1.08B	1.04B	1.05B	1.08B	1.01B
Cash Flow		Free Cash Flow
8.93M	25.88M	33.08M	134.95M	93.21M	43.26M
	Operating Cash Flow
17.60M	33.32M	40.72M	142.16M	98.70M	47.89M
	Investing Cash Flow
-70.50M	39.47M	39.65M	-614.73M	-443.61M	257.64M
	Financing Cash Flow
-64.48M	-206.81M	163.66M	580.83M	-7.09M	41.88M

Columbia Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 13.91 is below the 20-day moving average (MA) of 14.39, below the 50-day MA of 14.22, and below the 200-day MA of 15.94, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 41.00 is Neutral, neither overbought nor oversold. The STOCH value of 42.11 is Neutral, 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
NWBI	76 Outperform	$1.60B	13.97	7.19%	6.40%	6.30%	-12.43%
CUBI	74 Outperform	$1.67B	13.04	8.14%	―	-5.61%	-44.11%
SRCE	74 Outperform	$1.52B	10.38	12.84%	2.45%	9.30%	15.19%
FCF	70 Outperform	$1.67B	11.81	9.91%	3.40%	6.42%	-15.95%
LKFN	68 Neutral	$1.56B	17.40	13.44%	3.30%	5.03%	-3.19%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%
CLBK	48 Neutral	$1.50B	97.23	-0.15%	―	4.29%	-109.93%

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.