Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.56B
• Dividend Yield: N/A
• Average Volume (3M): 102.83K
• Price to Earnings (P/E): 241.9
• Beta (1Y): 0.78
• Revenue Growth: -0.90%
• EPS Growth: -67.89%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.12
• Shares Outstanding: 104,927,140
• 10 Day Avg. Volume: 117,231
• 30 Day Avg. Volume: 102,827
• 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: 1.62
• Enterprise Value/Revenue: 5.50
• Enterprise Value/Gross Profit: 14.24
• Enterprise Value/Ebitda: 210.48
• 1Y Price Target: $15.25
• Price Target Upside: 4.88% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 53 Neutral
• Price Target: $15.00 ▲(3.16% Upside)

Columbia Financial's overall stock score is primarily impacted by its weak financial performance and high valuation, which are partially offset by positive corporate governance events. The technical analysis suggests a bearish trend, further weighing on the 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 generates revenue primarily through interest income from loans and securities, as well as non-interest income from various fees and services. The company earns interest income by lending to consumers and businesses, which includes mortgages, commercial loans, and personal loans. Additionally, it invests in securities that yield interest. Non-interest income comes from service fees on deposit accounts, transaction fees, wealth management services, and other financial products. Significant partnerships with local businesses and community organizations enhance their service offerings and customer reach, contributing to overall earnings through increased loan origination and deposit growth. The bank's focus on customer service and community engagement further drives customer retention and acquisition, bolstering its revenue streams.

Columbia Financial Financial Statement Overview

Summary

Columbia Financial's recent financial performance is under pressure, with declining profitability and cash generation as evidenced by negative margins and declining cash flows. The balance sheet shows a stable capital structure, but rising leverage and recent losses highlight the need for strategic initiatives to restore profitability and enhance cash flow robustness.

Income Statement

The income statement reveals a concerning trend with declining profitability. The TTM (Trailing-Twelve-Months) data shows a negative net profit margin of -0.35%, indicating a loss-making period. The gross profit margin has also decreased to 38.64% from previous periods. Revenue growth has been inconsistent, with a minor uptick recently, but it remains challenged by negative EBIT and EBITDA margins, reflecting operational inefficiencies.

Balance Sheet

The balance sheet depicts a moderately stable financial position. The debt-to-equity ratio has increased to 1.01, suggesting a rise in leverage which could pose risks if not managed carefully. However, the equity ratio remains healthy at 10.37%, indicating a solid capital structure. Return on equity is currently negative at -0.14%, driven by recent losses, highlighting the need for profitability improvements.

Cash Flow

Cash flow analysis points to a mixed outlook. The free cash flow growth rate has declined significantly, reflecting reduced cash generation capacity. However, the operating cash flow to net income ratio is positive, indicating some operational cash flow stability. The free cash flow to net income ratio is also positive, but declining trends in free cash flow raise concerns about future cash availability.

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	1.10B	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: Positive
• Last Price: 14.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• 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 14.54 is above the 20-day moving average (MA) of 14.43, above the 50-day MA of 14.48, and below the 200-day MA of 15.41, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 55.37 is Neutral, neither overbought nor oversold. The STOCH value of 90.16 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
CUBI	79 Outperform	$2.11B	16.49	8.17%	―	-7.45%	-45.67%
NWBI	75 Outperform	$1.78B	10.87	8.96%	6.66%	14.86%	40.09%
FCF	74 Outperform	$1.77B	12.97	9.31%	3.13%	4.57%	-15.68%
SRCE	72 Outperform	$1.51B	10.65	12.49%	2.45%	6.43%	11.69%
LKFN	72 Outperform	$1.61B	17.14	13.86%	3.18%	-1.41%	-6.42%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
CLBK	53 Neutral	$1.56B	241.93	0.57%	―	-0.90%	-67.89%

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.