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Columbia Financial
(NASDAQ:CLBK)
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Rating:59Neutral
Price Target:
$11.50
▲(5.70% Upside)
Action:Reiterated
Date:07/22/26
The score is driven primarily by improving financial performance (profitability recovery, strong recent revenue growth, and positive cash generation), but held back by historical earnings volatility and only modest ROE. Technicals support a favorable trend, though stretched momentum indicators increase pullback risk. Valuation is the largest negative factor due to a high P/E and no stated dividend yield, while corporate events provide a smaller uplift given the potentially impactful conversion, capital raise, and acquisition (pending approvals).
Positive Factors
Revenue recovery & cash generation
Sustained revenue acceleration plus free cash flow that closely tracks net income indicate the franchise is converting earnings into cash. Over a 2–6 month horizon this underpins funding for lending, capital needs, and cushions profitability through rate or credit cycles, supporting durable operations.
Negative Factors
Earnings volatility
Sharp swings from strong results in 2021–22 to a 2024 loss and then recovery highlight sensitivity to credit, rates, or operational shocks. Persistent volatility undermines predictability of earnings, complicates capital planning, and raises the likelihood of future earnings stress under adverse macro scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue recovery & cash generation
Sustained revenue acceleration plus free cash flow that closely tracks net income indicate the franchise is converting earnings into cash. Over a 2–6 month horizon this underpins funding for lending, capital needs, and cushions profitability through rate or credit cycles, supporting durable operations.
Read all positive factors
Columbia Financial (CLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.91B
Dividend YieldN/A
Average Volume (3M)147.05K
Price to Earnings (P/E)32.2
Beta (1Y)0.77
Revenue Growth13.23%
EPS Growth850.00%
CountryUS
Employees708
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding269,542,270
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)3.10
P/FCF Ratio26.90
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.34
Revenue Forecast (FY)$407.54M
Columbia Financial Business Overview & Revenue Model
Company Description
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various op...
How the Company Makes Money
Columbia Financial primarily makes money through traditional banking spread and fee-based activities conducted by its subsidiary bank. The largest driver is typically net interest income: it earns interest and fees on loans (such as commercial loa...
Columbia Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 513.55M | 507.44M | 453.32M | 422.36M | 340.07M | 308.98M |
| Gross Profit | 268.06M | 255.00M | 165.43M | 228.47M | 291.69M | 281.92M |
| EBITDA | 79.53M | 68.86M | -1.35M | 60.32M | 130.23M | 137.82M |
| Net Income | 58.15M | 51.77M | -11.65M | 36.09M | 86.17M | 92.05M |
Balance Sheet | ||||||
| Total Assets | 12.17B | 11.02B | 10.48B | 10.65B | 10.41B | 9.22B |
| Cash, Cash Equivalents and Short-Term Investments | 1.09B | 340.69M | 1.06B | 1.52B | 1.51B | 1.77B |
| Total Debt | 1.22B | 1.18B | 1.08B | 1.53B | 1.13B | 377.31M |
| Total Liabilities | 10.98B | 9.86B | 9.40B | 9.61B | 9.35B | 8.15B |
| Stockholders Equity | 1.20B | 1.16B | 1.08B | 1.04B | 1.05B | 1.08B |
Cash Flow | ||||||
| Free Cash Flow | 51.40M | 58.56M | 25.88M | 33.08M | 134.95M | 93.21M |
| Operating Cash Flow | 58.48M | 68.40M | 33.32M | 40.72M | 142.16M | 98.70M |
| Investing Cash Flow | -221.80M | -454.16M | 39.47M | 39.65M | -614.73M | -443.61M |
| Financing Cash Flow | 192.05M | 437.35M | -206.81M | 163.66M | 580.83M | -7.09M |
Columbia Financial Technical Analysis
Positive
10.88
Price Trends
9.75
Positive
9.04
Positive
8.23
Positive
Market Momentum
0.37
Positive
58.99
Neutral
20.44
Neutral
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 10.88 is above the 20-day moving average (MA) of 10.46, above the 50-day MA of 9.75, and above the 200-day MA of 8.23, indicating a bullish trend. The MACD of 0.37 indicates Positive momentum. The RSI at 58.99 is Neutral, neither overbought nor oversold. The STOCH value of 20.44 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $1.98B | 14.86 | 10.91% | 0.29% | 7.11% | 132.73% | |
76 Outperform | $2.16B | 12.86 | 13.41% | 1.88% | 4.33% | 21.67% | |
71 Outperform | $1.56B | 14.30 | 14.67% | 3.37% | 1.83% | 18.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $625.05M | -186.32 | -0.80% | ― | 7.30% | -106.97% | |
59 Neutral | $2.91B | 32.22 | 4.87% | ― | 13.23% | 850.00% |
* Financial Sector Average
CLBK
Columbia Financial
10.81
4.32
66.56%
SRCE
1St Source
90.51
32.47
55.95%
LKFN
Lakeland Financial
62.91
3.14
5.26%
LOB
Live Oak Bancshares
43.76
12.51
40.05%
CCB
Coastal Financial
40.99
-53.86
-56.78%
Columbia Financial Corporate Events
Business Operations and StrategyM&A TransactionsPrivate Placements and FinancingShareholder Meetings
Columbia Financial advances conversion, acquisition and capital raise
Positive
Jul 2, 2026
On June 25, 2026, Columbia Financial’s stockholders approved a Plan of Conversion and Reorganization that will transform Columbia Bank MHC from a mutual holding company into a fully public stock holding company. At the same meeting, they als...
Business Operations and StrategyM&A TransactionsPrivate Placements and Financing
Columbia Financial Announces Second-Step Conversion and Capital Raise
Positive
May 11, 2026
On May 11, 2026, Columbia Financial, Inc. announced that a newly formed Maryland corporation bearing the same name will serve as the successor holding company to Columbia Bank as it undertakes a second-step conversion from mutual holding company t...
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.