Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.57B
• Dividend Yield: N/A
• Average Volume (3M): 147.05K
• Price to Earnings (P/E): 103.1
• Beta (1Y): 0.85
• 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: 104,743,270
• 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: 1.61
• Enterprise Value/Revenue: 5.40
• Enterprise Value/Gross Profit: 12.13
• Enterprise Value/Ebitda: 97.86
• 1Y Price Target: $17.00
• Price Target Upside: 0.89% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: $17.00 ▲(0.89% Upside)

Columbia Financial's overall stock score is primarily influenced by its strong technical indicators, suggesting positive market momentum. However, the high P/E ratio raises concerns about overvaluation, and financial performance issues such as low profitability and high leverage further weigh down the score. The absence of earnings call insights and corporate events limits the analysis to these factors.

Positive Factors

Revenue Growth

Strong revenue growth suggests effective market penetration and product demand, which can support long-term expansion and competitive positioning.

Community Banking Focus

A focus on community banking enhances customer loyalty and retention, providing a stable revenue base and potential for sustainable growth.

Improved Cost Management

Improved cost management increases operational efficiency, potentially leading to better profitability and competitive advantage over time.

Negative Factors

High Leverage

High leverage can increase financial risk, particularly in a rising interest rate environment, potentially impacting long-term financial stability.

Low Profitability

Low profitability margins indicate challenges in converting revenue into profits, which may hinder long-term financial performance and shareholder returns.

Cash Flow Challenges

Negative cash flow growth suggests potential liquidity constraints, impacting the company's ability to reinvest or manage debt effectively in the long term.

Columbia Financial Business Overview & Revenue Model

Company Description

Columbia Financial, Inc. (CLBK) is a bank holding company based in the United States, primarily focused on providing a wide range of banking and financial services through its subsidiary, Columbia Bank. The company operates in the financial sector, offering services such as personal and commercial banking, mortgage lending, and investment advisory services. With a commitment to community banking, Columbia Financial aims to serve both individual customers and small to medium-sized enterprises across its operational regions.

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 shows strong revenue growth but struggles with profitability and cash flow generation. The high leverage on the balance sheet poses potential risks, especially in a rising interest rate environment. While the company has managed to grow its top line significantly, translating this growth into sustainable profits and cash flow remains a challenge. The financial statements suggest a need for strategic focus on improving operational efficiency and managing debt levels to enhance financial stability.

Income Statement

Columbia Financial's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a significant revenue growth rate of 91.7%, suggesting strong top-line expansion. However, profitability metrics such as the net profit margin (1.33%) and EBIT margin (1.96%) are relatively low, indicating challenges in converting revenue growth into profits. The gross profit margin has improved to 40.53% from the previous year, showing better cost management. Overall, while revenue growth is impressive, profitability remains a concern.

Balance Sheet

The balance sheet reflects a stable yet leveraged financial position. The debt-to-equity ratio stands at 1.14, indicating a high level of leverage, which could pose risks if interest rates rise or earnings decline. Return on equity (ROE) is low at 0.56%, suggesting inefficient use of equity capital. The equity ratio is not explicitly calculated, but the high debt levels suggest a lower proportion of equity financing. While the company maintains a solid asset base, the high leverage and low ROE are areas of concern.

Cash Flow

Cash flow analysis reveals challenges in cash generation. The free cash flow growth rate is negative at -47.89%, indicating a decline in cash available for reinvestment or debt repayment. The operating cash flow to net income ratio is low at 0.17, suggesting limited cash conversion from earnings. The free cash flow to net income ratio is 34.02%, which is moderate but reflects a decline from previous periods. Overall, the cash flow position indicates potential liquidity constraints and the need for improved cash management.

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	253.40M	438.89M	1.52B	1.51B	1.77B	1.74B
Total Debt	0.00	1.10B	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: Positive
• Last Price: 16.85
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 16.85 is above the 20-day moving average (MA) of 15.53, above the 50-day MA of 15.12, and above the 200-day MA of 14.81, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 70.10 is Negative, neither overbought nor oversold. The STOCH value of 95.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CLBK.

Columbia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
STEL	71 Outperform	$1.51B	14.81	6.38%	1.75%	-4.40%	-8.80%
SRCE	70 Outperform	$1.56B	10.56	12.65%	2.38%	5.09%	15.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LOB	66 Neutral	$1.50B	22.31	6.31%	0.36%	10.41%	-19.43%
CCB	66 Neutral	$1.68B	35.06	11.82%	―	-2.11%	6.48%
LKFN	63 Neutral	$1.50B	15.64	13.50%	3.40%	-2.90%	-1.47%
CLBK	59 Neutral	$1.57B	103.10	1.34%	―	-3.60%	-8.63%

Columbia Financial Corporate Events

Columbia Financial Reports Strong Q3 2025 Growth

Columbia Financial, Inc., a mid-tier holding company for Columbia Bank, operates in the financial services sector, providing traditional banking services to consumers and businesses through its 69 full-service banking offices. The company is headquartered in Fair Lawn, New Jersey.

Columbia Financial Announces New Stock Repurchase Program

On September 5, 2025, Columbia Financial, Inc. announced a new stock repurchase program authorized by its Board of Directors to acquire up to 1,800,000 shares, representing approximately 1.7% of its outstanding common stock. This program, which received non-objection from the Federal Reserve Bank of Philadelphia, allows for repurchases in open market or private transactions and will be in effect for one year. The actual number of shares repurchased will depend on factors such as price and market conditions, and the program may be suspended or discontinued at any time.

The most recent analyst rating on (CLBK) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.

Columbia Financial Announces COO Departure

On September 5, 2025, Columbia Financial, Inc. announced that Matthew Smith, Senior Executive Vice President and Chief Operating Officer, will leave the company and Columbia Bank on October 5, 2025. This leadership change may impact the company’s operations and strategic direction.

The most recent analyst rating on (CLBK) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.