Columbia Financial Inc (CLBK)
NASDAQ:CLBK
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Columbia Financial
(NASDAQ:CLBK)
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Rating:55Neutral
Price Target:
$18.50
▲(1.87% Upside)
Action:ReiteratedDate:03/07/26
The score is held back primarily by weakened cash-flow strength and only modest returns despite an earnings rebound, while technicals are moderately supportive. Valuation is a notable headwind due to the high P/E, partially offset by a positive corporate catalyst from the announced conversion and Northfield acquisition.
Positive Factors
Steady revenue growth
Columbia shows multi-year top-line growth with an acceleration in 2025 (8.68%), indicating expanding loan originations and deposit activity. Sustained revenue momentum improves scale economics, supports recovery of net income after 2024 weakness, and funds reinvestment in digital and branch capabilities over the medium term.
Negative Factors
Weakened cash-flow generation
Operating and free cash flow have deteriorated materially since 2022, with a ~45.5% decline in 2025 FCF growth. Weak cash generation constrains internal funding for organic growth, limits buffer for credit stress or unexpected liquidity needs, and increases reliance on external capital to finance acquisitions or strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth
Columbia shows multi-year top-line growth with an acceleration in 2025 (8.68%), indicating expanding loan originations and deposit activity. Sustained revenue momentum improves scale economics, supports recovery of net income after 2024 weakness, and funds reinvestment in digital and branch capabilities over the medium term.
Read all positive factors
Columbia Financial (CLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.89B
Dividend YieldN/A
Average Volume (3M)147.05K
Price to Earnings (P/E)30.4
Beta (1Y)0.75
Revenue Growth-3.60%
EPS Growth-8.63%
CountryUS
Employees708
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.15
Shares Outstanding104,118,380
10 Day Avg. Volume158,776
30 Day Avg. Volume147,054
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)1.36
Price to Sales (P/S)3.11
P/FCF Ratio26.91
Enterprise Value/Market Cap1.45
Enterprise Value/Revenue5.39
Enterprise Value/Gross Profit10.73
Enterprise Value/Ebitda39.75
Forecast
1Y Price Target
$18.50Price Target Upside1.87% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.77
Revenue Forecast (FY)N/A
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 ...
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 throu...
Columbia Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
56
Neutral
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 507.44M | 453.32M | 422.36M | 340.07M | 308.98M |
| Gross Profit | 255.00M | 165.43M | 228.47M | 291.69M | 281.92M |
| EBITDA | 68.86M | -1.35M | 60.32M | 130.23M | 137.82M |
| Net Income | 51.77M | -11.65M | 36.09M | 86.17M | 92.05M |
Balance Sheet | |||||
| Total Assets | 11.02B | 10.48B | 10.65B | 10.41B | 9.22B |
| Cash, Cash Equivalents and Short-Term Investments | 340.69M | 1.06B | 1.52B | 1.51B | 1.77B |
| Total Debt | 1.18B | 1.08B | 1.53B | 1.13B | 377.31M |
| Total Liabilities | 9.86B | 9.40B | 9.61B | 9.35B | 8.15B |
| Stockholders Equity | 1.16B | 1.08B | 1.04B | 1.05B | 1.08B |
Cash Flow | |||||
| Free Cash Flow | 58.56M | 25.88M | 33.08M | 134.95M | 93.21M |
| Operating Cash Flow | 68.40M | 33.32M | 40.72M | 142.16M | 98.70M |
| Investing Cash Flow | -454.16M | 39.47M | 39.65M | -614.73M | -443.61M |
| Financing Cash Flow | 437.35M | -206.81M | 163.66M | 580.83M | -7.09M |
Columbia Financial Technical Analysis
Positive
18.16
Price Trends
17.78
Positive
16.88
Positive
15.87
Positive
Market Momentum
0.11
Negative
68.67
Neutral
92.28
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 18.16 is above the 20-day moving average (MA) of 17.55, above the 50-day MA of 17.78, and above the 200-day MA of 15.87, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 68.67 is Neutral, neither overbought nor oversold. The STOCH value of 92.28 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 44 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $1.90B | 15.57 | 6.38% | 1.82% | -4.40% | -8.80% | |
72 Outperform | $1.80B | 9.26 | 13.00% | 2.37% | 5.09% | 15.78% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.69B | 15.19 | 6.31% | 0.33% | 10.41% | -19.43% | |
63 Neutral | $1.54B | 14.15 | 13.50% | 3.37% | -2.90% | -1.47% | |
61 Neutral | $1.25B | 36.84 | 10.01% | ― | -2.11% | 6.48% | |
55 Neutral | $1.89B | 30.45 | 1.34% | ― | -3.60% | -8.63% |
* Financial Sector Average
CLBK
Columbia Financial
18.16
5.02
38.20%
SRCE
1St Source
73.88
21.79
41.83%
LKFN
Lakeland Financial
60.88
10.91
21.84%
LOB
Live Oak Bancshares
35.71
12.32
52.64%
STEL
Stellar Bancorp
37.43
13.00
53.20%
CCB
Coastal Financial
82.10
3.04
3.85%
Columbia Financial Corporate Events
Executive/Board Changes
Columbia Financial Announces Planned Board Retirement and Transition
Neutral
Feb 17, 2026
On February 9, 2026, Columbia Financial, Inc. announced that longtime director Paul Van Ostenbridge notified the board of his intention to retire from the boards of both the company and its wholly owned banking subsidiary, Columbia Bank. His retir...
Business Operations and StrategyM&A TransactionsPrivate Placements and Financing
Columbia Financial Announces Conversion Plan and Northfield Acquisition
Positive
Feb 2, 2026
On January 31, 2026, Columbia Financial, Inc. approved a plan to convert from a mutual holding company to a fully public stock holding company and simultaneously agreed to acquire Northfield Bancorp, Inc. in an approximately $597 million transacti...
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.