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Columbia Financial Inc (CLBK)
NASDAQ:CLBK

Columbia Financial (CLBK) AI Stock Analysis

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Columbia Financial

(NASDAQ:CLBK)

Rating:52Neutral
Price Target:
$14.50
▼(-4.42%Downside)
Columbia Financial's overall stock score is primarily impacted by weak financial performance and technical analysis, with declining profitability and a bearish trend. However, positive corporate governance developments provide some support, indicating shareholder confidence in strategic oversight.

Columbia Financial (CLBK) vs. SPDR S&P 500 ETF (SPY)

Columbia Financial Business Overview & Revenue Model

Company DescriptionColumbia Financial, Inc. (CLBK) is a financial services holding company headquartered in Fair Lawn, New Jersey. It operates through its wholly-owned subsidiary, Columbia Bank, which is a community and customer-focused bank. Columbia Bank provides a range of financial products and services to individuals, businesses, and municipalities. It primarily engages in traditional banking activities such as accepting deposits and making loans, with a strong emphasis on providing personalized customer service and community involvement.
How the Company Makes MoneyColumbia 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
45
Neutral
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
60
Neutral
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
40
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue457.88M453.32M422.36M340.07M308.98M326.21M
Gross Profit176.91M165.43M228.47M291.69M281.92M234.40M
EBITDA11.97M-1.35M60.32M130.23M137.82M86.62M
Net Income-1.60M-11.65M36.09M86.17M92.05M57.60M
Balance Sheet
Total Assets10.61B10.48B10.65B10.41B9.22B8.80B
Cash, Cash Equivalents and Short-Term Investments400.86M438.89M1.52B1.51B1.77B1.74B
Total Debt1.11B1.08B1.53B1.13B377.31M799.36M
Total Liabilities9.51B9.40B9.61B9.35B8.15B7.79B
Stockholders Equity1.10B1.08B1.04B1.05B1.08B1.01B
Cash Flow
Free Cash Flow8.93M25.88M33.08M134.95M93.21M44.42M
Operating Cash Flow17.60M33.32M40.72M142.16M98.70M49.04M
Investing Cash Flow-70.50M39.47M39.65M-614.73M-443.61M257.64M
Financing Cash Flow-64.48M-206.81M163.66M580.83M-7.09M40.72M

Columbia Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price15.17
Price Trends
50DMA
14.48
Positive
100DMA
14.71
Positive
200DMA
15.77
Negative
Market Momentum
MACD
0.11
Negative
RSI
64.45
Neutral
STOCH
87.65
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 15.17 is above the 20-day moving average (MA) of 14.29, above the 50-day MA of 14.48, and below the 200-day MA of 15.77, indicating a neutral trend. The MACD of 0.11 indicates Negative momentum. The RSI at 64.45 is Neutral, neither overbought nor oversold. The STOCH value of 87.65 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CLBK.

Columbia Financial Risk Analysis

Columbia Financial disclosed 27 risk factors in its most recent earnings report. Columbia Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Columbia Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$1.70B14.917.19%6.00%6.30%-12.43%
74
Outperform
$2.04B16.228.14%-5.67%-44.11%
FCFCF
73
Outperform
$1.78B12.599.91%3.18%6.42%-15.95%
72
Outperform
$1.60B11.3212.84%2.33%9.30%15.19%
68
Neutral
$1.67B18.6513.44%3.10%5.03%-3.19%
67
Neutral
$16.84B11.729.71%3.76%11.61%-9.60%
52
Neutral
$1.59B97.23-0.15%4.29%-109.93%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CLBK
Columbia Financial
15.28
0.84
5.82%
SRCE
1St Source
65.09
14.05
27.53%
FCF
First Commonwealth
17.26
3.96
29.77%
LKFN
Lakeland Financial
65.25
8.63
15.24%
NWBI
Northwest Bancshares
13.49
2.90
27.38%
CUBI
Customers Bancorp
65.95
17.91
37.28%

Columbia Financial Corporate Events

Executive/Board ChangesShareholder Meetings
Columbia Financial Shareholders Approve Key Governance Decisions
Positive
Jun 6, 2025

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.

Shareholder MeetingsBusiness Operations and StrategyFinancial Disclosures
Columbia Financial CEO Outlines Growth Strategies at Meeting
Neutral
Jun 5, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 24, 2025