Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.51B
• Dividend Yield: N/A
• Average Volume (3M): 108.36K
• Price to Earnings (P/E): 97.2
• Beta (1Y): 0.77
• Revenue Growth: 4.29%
• EPS Growth: -109.93%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 104,927,560
• 10 Day Avg. Volume: 85,912
• 30 Day Avg. Volume: 108,364
• PEG Ratio: -10.63
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 163.40
• Enterprise Value/Market Cap: 1.53
• Enterprise Value/Revenue: 1.24
• Enterprise Value/Gross Profit: 13.06
• Enterprise Value/Ebitda: 28.64
• 1Y Price Target: $16.00
• Price Target Upside: 11.50% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 57 Neutral
• Price Target: $15.00 ▲(4.53%Upside)

Columbia Financial's overall stock score is primarily influenced by its financial performance and valuation challenges, both under pressure from recent losses and negative margins. However, the technical analysis suggests some positive momentum, and strong shareholder support in recent corporate events provides a positive outlook. The combination of these factors results in a moderate overall score.

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, Inc. generates revenue primarily through its banking operations conducted by Columbia Bank. The primary sources of income include interest income from loans and advances, including residential, commercial, and consumer loans, and interest income from investment securities. Additionally, the company earns non-interest income through service charges on deposit accounts, fees from loan-related services, and other banking services. Columbia Financial benefits from a diversified loan portfolio and a stable deposit base, contributing to its revenue. Its financial performance is also influenced by factors such as interest rate movements, economic conditions, and regulatory environment.

Columbia Financial Financial Statement Overview

Summary

Columbia Financial's financial performance shows mixed results with robust revenue growth but significant challenges in profitability and cash flow. The balance sheet is strong with no debt, but negative net income and cash flow issues are concerning.

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	457.88M	453.32M	422.36M	340.07M	308.98M	326.21M
Gross Profit	176.91M	165.43M	228.47M	291.69M	281.92M	234.40M
EBITDA	11.97M	-1.35M	60.32M	130.23M	137.82M	86.62M
Net Income	-1.60M	-11.65M	36.09M	86.17M	92.05M	57.60M
Balance Sheet
Total Assets	10.61B	10.48B	10.65B	10.41B	9.22B	8.80B
Cash, Cash Equivalents and Short-Term Investments	400.86M	438.89M	1.52B	1.51B	1.77B	1.74B
Total Debt	1.11B	1.08B	1.53B	1.13B	377.31M	799.36M
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	44.42M
Operating Cash Flow	17.60M	33.32M	40.72M	142.16M	98.70M	49.04M
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	40.72M

Columbia Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.35
• 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 14.35 is below the 20-day moving average (MA) of 14.87, below the 50-day MA of 14.59, and below the 200-day MA of 15.60, indicating a bearish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 43.51 is Neutral, neither overbought nor oversold. The STOCH value of 23.25 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
CUBI	77 Outperform	$1.98B	15.72	8.14%	―	-5.67%	-44.11%
NWBI	75 Outperform	$1.68B	14.66	7.19%	6.10%	6.30%	-12.43%
FCF	73 Outperform	$1.72B	12.46	9.91%	3.21%	6.42%	-15.95%
SRCE	72 Outperform	$1.52B	10.99	12.84%	2.36%	9.30%	15.19%
LKFN	68 Neutral	$1.66B	18.56	13.44%	3.08%	5.03%	-3.19%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
CLBK	57 Neutral	$1.51B	97.23	-0.15%	―	4.29%	-109.93%

Columbia Financial Corporate Events

Columbia Financial Shareholders Approve Key Governance Decisions

At Columbia Financial‘s annual meeting on June 5, 2025, shareholders elected directors for various terms, ratified KPMG LLP as the independent auditor for 2025, and approved executive compensation. The election results showed strong support for the directors, while the ratification of KPMG and the advisory vote on executive compensation also received significant backing, indicating shareholder confidence in the company’s governance and financial oversight.

The most recent analyst rating on (CLBK) stock is a Buy with a $19.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.

Columbia Financial CEO Outlines Growth Strategies at Meeting

On June 5, 2025, Columbia Financial, Inc.’s President and CEO, Thomas J. Kemly, presented the company’s operating and growth strategies at the annual shareholders’ meeting. The company executed a balance sheet repositioning transaction, resulting in a net loss of $11.7 million for 2024, but achieved core net income of $23.2 million and reported improved financial metrics by March 31, 2025, including increased net interest margin and asset growth.

The most recent analyst rating on (CLBK) stock is a Hold with a $17.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.