Columbia Financial (CLBK) AI Stock Analysis

• Market Cap: $1.57B
• Dividend Yield: N/A
• Average Volume (3M): 147.05K
• Price to Earnings (P/E): 103.1
• Beta (1Y): 0.85
• Revenue Growth: -3.60%
• EPS Growth: -8.63%
• Country: US
• Employees: 708
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 104,743,270
• 10 Day Avg. Volume: 158,776
• 30 Day Avg. Volume: 147,054
• 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: 1.61
• Enterprise Value/Revenue: 5.40
• Enterprise Value/Gross Profit: 12.13
• Enterprise Value/Ebitda: 97.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: $15.00 ▼(-2.72% Downside)

The overall stock score is primarily influenced by financial performance, which highlights strong revenue growth but significant challenges in profitability and cash flow. Technical analysis suggests a neutral outlook with no strong momentum. The high P/E ratio indicates potential overvaluation, further impacting the stock's attractiveness. The lack of earnings call and corporate events data means these factors do not influence the score.

Columbia Financial Business Overview & Revenue Model

Company Description

Columbia Financial, Inc. (CLBK) is a holding company headquartered in Fair Lawn, New Jersey, primarily engaged in the banking and financial services sector. The company operates through its wholly-owned subsidiary, Columbia Bank, which offers a range of financial products and services including commercial and retail banking, mortgage lending, and wealth management. Columbia Financial focuses on serving both individual and business clients in its regional markets, providing tailored financial solutions to meet diverse customer needs.

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 shows strong revenue growth but struggles with profitability and cash flow generation. The high leverage on the balance sheet poses potential risks, especially in a rising interest rate environment. While the company has managed to grow its top line significantly, translating this growth into sustainable profits and cash flow remains a challenge. The financial statements suggest a need for strategic focus on improving operational efficiency and managing debt levels to enhance financial stability.

Income Statement

Columbia Financial's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a significant revenue growth rate of 91.7%, suggesting strong top-line expansion. However, profitability metrics such as the net profit margin (1.33%) and EBIT margin (1.96%) are relatively low, indicating challenges in converting revenue growth into profits. The gross profit margin has improved to 40.53% from the previous year, showing better cost management. Overall, while revenue growth is impressive, profitability remains a concern.

Balance Sheet

The balance sheet reflects a stable yet leveraged financial position. The debt-to-equity ratio stands at 1.14, indicating a high level of leverage, which could pose risks if interest rates rise or earnings decline. Return on equity (ROE) is low at 0.56%, suggesting inefficient use of equity capital. The equity ratio is not explicitly calculated, but the high debt levels suggest a lower proportion of equity financing. While the company maintains a solid asset base, the high leverage and low ROE are areas of concern.

Cash Flow

Cash flow analysis reveals challenges in cash generation. The free cash flow growth rate is negative at -47.89%, indicating a decline in cash available for reinvestment or debt repayment. The operating cash flow to net income ratio is low at 0.17, suggesting limited cash conversion from earnings. The free cash flow to net income ratio is 34.02%, which is moderate but reflects a decline from previous periods. Overall, the cash flow position indicates potential liquidity constraints and the need for improved cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	466.91M	453.32M	422.36M	340.07M	308.98M	326.21M
Gross Profit	207.77M	165.43M	228.47M	291.69M	281.92M	234.40M
EBITDA	25.75M	-1.35M	60.32M	130.23M	137.82M	86.62M
Net Income	6.66M	-11.65M	36.09M	86.17M	92.05M	57.60M
Balance Sheet
Total Assets	10.86B	10.48B	10.65B	10.41B	9.22B	8.80B
Cash, Cash Equivalents and Short-Term Investments	253.40M	438.89M	1.52B	1.51B	1.77B	1.74B
Total Debt	0.00	1.10B	1.53B	1.13B	377.31M	799.36M
Total Liabilities	9.71B	9.40B	9.61B	9.35B	8.15B	7.79B
Stockholders Equity	1.14B	1.08B	1.04B	1.05B	1.08B	1.01B
Cash Flow
Free Cash Flow	63.84M	25.88M	33.08M	134.95M	93.21M	44.42M
Operating Cash Flow	72.92M	33.32M	40.72M	142.16M	98.70M	49.04M
Investing Cash Flow	-223.00M	39.47M	39.65M	-614.73M	-443.61M	257.64M
Financing Cash Flow	-202.91M	-206.81M	163.66M	580.83M	-7.09M	40.72M

Columbia Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 15.42 is above the 20-day moving average (MA) of 14.94, above the 50-day MA of 15.03, and above the 200-day MA of 14.81, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 55.36 is Neutral, neither overbought nor oversold. The STOCH value of 78.53 is Neutral, 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
SRCE	71 Outperform	$1.49B	9.97	12.65%	2.48%	5.09%	15.78%
STEL	71 Outperform	$1.51B	14.81	6.38%	1.84%	-4.40%	-8.80%
LOB	68 Neutral	$1.49B	21.91	6.31%	0.38%	10.41%	-19.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCB	67 Neutral	$1.61B	33.95	11.82%	―	-2.11%	6.48%
LKFN	63 Neutral	$1.49B	15.41	13.50%	3.40%	-2.90%	-1.47%
CLBK	53 Neutral	$1.57B	103.10	1.34%	―	-3.60%	-8.63%

Columbia Financial Corporate Events

Columbia Financial Reports Strong Q3 2025 Growth

Columbia Financial, Inc., a mid-tier holding company for Columbia Bank, operates in the financial services sector, providing traditional banking services to consumers and businesses through its 69 full-service banking offices. The company is headquartered in Fair Lawn, New Jersey.

Columbia Financial Announces New Stock Repurchase Program

On September 5, 2025, Columbia Financial, Inc. announced a new stock repurchase program authorized by its Board of Directors to acquire up to 1,800,000 shares, representing approximately 1.7% of its outstanding common stock. This program, which received non-objection from the Federal Reserve Bank of Philadelphia, allows for repurchases in open market or private transactions and will be in effect for one year. The actual number of shares repurchased will depend on factors such as price and market conditions, and the program may be suspended or discontinued at any time.

The most recent analyst rating on (CLBK) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.

Columbia Financial Announces COO Departure

On September 5, 2025, Columbia Financial, Inc. announced that Matthew Smith, Senior Executive Vice President and Chief Operating Officer, will leave the company and Columbia Bank on October 5, 2025. This leadership change may impact the company’s operations and strategic direction.

The most recent analyst rating on (CLBK) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Columbia Financial stock, see the CLBK Stock Forecast page.