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Columbia Financial
(NASDAQ:CLBK)
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Rating:65Neutral
Price Target:
$12.50
▲(14.89% Upside)
Action:Reiterated
Date:08/18/26
The score is driven mainly by improving financials (profitability recovery and solid cash flow quality), supported by a strong uptrend in the stock and a meaningful strategic catalyst from the conversion/acquisition/capital raise. Offsetting these positives are the very sharp TTM reported revenue decline and a rich valuation (high P/E), with technicals also showing overbought conditions that raise near-term risk.
Positive Factors
Profitability Recovery
The return to positive, healthy margins after the 2024 loss indicates improved operating performance and earnings resilience. If maintained, stronger profitability can support capital formation, lending capacity, and long-term competitiveness.
Negative Factors
Severe Recent Revenue Volatility
The extreme TTM revenue decline is a significant fundamental warning because it undermines confidence in the durability of current earnings momentum. Even if partly driven by comparability, it signals that business performance remains volatile.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The return to positive, healthy margins after the 2024 loss indicates improved operating performance and earnings resilience. If maintained, stronger profitability can support capital formation, lending capacity, and long-term competitiveness.
Read all positive factors
Columbia Financial (CLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.18B
Dividend YieldN/A
Average Volume (3M)147.05K
Price to Earnings (P/E)45.3
Beta (1Y)0.73
Revenue Growth13.23%
EPS Growth850.00%
CountryUS
Employees773
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.26
Shares Outstanding269,545,140
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 Target
$14.17Price Target Upside30.21% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)0.28
Revenue Forecast (FY)$412.98M
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
56
Neutral
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 504.36M | 507.44M | 453.32M | 422.36M | 340.07M | 308.98M |
| Gross Profit | 263.18M | 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 | 68.75M | 58.56M | 25.88M | 33.08M | 134.95M | 93.21M |
| Operating Cash Flow | 78.41M | 68.40M | 33.32M | 40.72M | 142.16M | 98.70M |
| Investing Cash Flow | -537.07M | -454.16M | 39.47M | 39.65M | -614.73M | -443.61M |
| Financing Cash Flow | 1.30B | 437.35M | -206.81M | 163.66M | 580.83M | -7.09M |
Columbia Financial Technical Analysis
Positive
10.88
Price Trends
10.11
Positive
9.33
Positive
8.42
Positive
Market Momentum
0.41
Negative
74.65
Negative
87.70
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 10.88 is below the 20-day moving average (MA) of 11.01, above the 50-day MA of 10.11, and above the 200-day MA of 8.42, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 74.65 is Negative, neither overbought nor oversold. The STOCH value of 87.70 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.55B | 14.27 | 14.67% | 3.37% | 1.83% | 18.85% | |
74 Outperform | $2.13B | 12.69 | 13.41% | 1.88% | 4.24% | 21.67% | |
73 Outperform | $2.00B | 15.02 | 10.91% | 0.29% | 7.11% | 132.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $3.18B | 45.27 | 4.98% | ― | 13.23% | 850.00% | |
56 Neutral | $802.07M | -209.88 | -0.80% | ― | 7.30% | -106.97% |
* Financial Sector Average
CLBK
Columbia Financial
11.68
5.04
75.85%
SRCE
1St Source
87.90
28.12
47.04%
LKFN
Lakeland Financial
61.82
0.52
0.84%
LOB
Live Oak Bancshares
43.29
9.11
26.67%
CCB
Coastal Financial
48.94
-57.01
-53.81%
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...
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.