CLBK Stock Analysis: Columbia Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.076m USD | 12M Return: 63% | US1979141041 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 48.3M
EPS Trend: 41.0%
Qual. Beats: 1
Rev. Trend: 86.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 8.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Columbia Financial, Inc. (CLBK) is a bank holding company that operates Columbia Bank, providing commercial, residential, and consumer loans, along with deposit products, title insurance, wealth management, and cash management services. The company is headquartered in Fair Lawn, New Jersey, and operates full-service banking offices throughout the state. Founded in 1926, Columbia Financial went public in 2018 following its conversion from a mutual holding company structure (formerly a subsidiary of Columbia Bank MHC), a transition commonly used by community banks transitioning to public ownership.
- Net interest margin compresses amid rising deposit costs
- Commercial real estate loan portfolio faces credit risk
- Multifamily lending growth drives loan portfolio expansion
| Net Income: 58.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.52 > 1.0 |
| NWC/Revenue: 223.9% < 20% (prev -1.53k%; Δ 1.76k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 78.4m > Net Income 58.1m |
| Net Debt (128.9m) to EBITDA (68.2m): 1.89 < 3 |
| Current Ratio: 435.7 > 1.5 & < 3 |
| Outstanding Shares: last quarter (223.2m) vs 12m ago -0.44% < -2% |
| Gross Margin: 52.18% > 18% (prev 40.53%; Δ 11.66% > 0.5%) |
| Asset Turnover: 4.40% > 50% (prev 4.30%; Δ 0.10% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 59.5m / Interest Expense TTM 228.6m) |
| A: 0.09 (Total Current Assets 1.13b - Total Current Liabilities 2.60m) / Total Assets 12.2b |
| B: 0.08 (Retained Earnings 961.3m / Total Assets 12.2b) |
| C: 0.01 (EBIT TTM 59.5m / Avg Total Assets 11.5b) |
| D: 0.11 (Book Value of Equity 1.20b / Total Liabilities 11.0b) |
| Altman-Z'' = 1.02 = BB |
| DSRI: 0.94 (Receivables 42.4m/41.2m, Revenue 504.4m/462.1m) |
| GMI: 0.78 (GM 40.53% / 52.18%) |
| AQI: 1.01 (AQ_t 0.90 / AQ_t-1 0.89) |
| SGI: 1.09 (Revenue 504.4m / 462.1m) |
| TATA: -0.00 (NI 58.1m - CFO 78.4m) / TA 12.2b) |
| Beneish M = -3.21 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 11.33 with a total of 2,523,573 shares traded. Over the past week, the price has changed by +3.94%, over one month by -2.58%, over three months by +16.95% and over the past year by +63.01%.
Current recommended Stop Loss: 10.90 (which is 3.8% or 1.5 ATR below the current price).
Columbia Financial has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy CLBK.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 14.2 | 25.1% |
P/E Trailing = 20.0175
P/E Forward = 72.4638
P/S = 11.5089
P/B = 0.9912
Revenue TTM = 504.4m USD
EBIT TTM = 59.5m USD
EBITDA TTM = 68.2m USD
Long Term Debt = 1.18b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.68m USD (from shortTermDebt, two quarters ago)
Debt = 1.22b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 128.9m USD (calculated: Debt 1.22b - CCE 1.09b)
Enterprise Value = 3.20b USD (3.08b + Debt 1.22b - CCE 1.09b)
Interest Coverage Ratio = 0.26 (Ebit TTM 59.5m / Interest Expense TTM 228.6m)
EV/FCF = 46.61x (Enterprise Value 3.20b / FCF TTM 68.8m)
FCF Yield = 2.15% (FCF TTM 68.8m / Enterprise Value 3.20b)
FCF Margin = 13.63% (FCF TTM 68.8m / Revenue TTM 504.4m)
Net Margin = 11.53% (Net Income TTM 58.1m / Revenue TTM 504.4m)
Gross Margin = 52.18% ((Revenue TTM 504.4m - Cost of Revenue TTM 241.2m) / Revenue TTM)
Gross Margin QoQ = 51.47% (prev 51.27%)
Tobins Q-Ratio = 0.26 (Enterprise Value 3.20b / Total Assets 12.2b)
Interest Expense / Debt = 18.76% (Interest Expense 228.6m / Debt 1.22b)
Taxrate = 17.35% (12.2m / 70.4m)
NOPAT = 49.2m (EBIT 59.5m * (1 - 17.35%))
Current Ratio = 435.7 (out of range, set to none) (Total Current Assets 1.13b / Total Current Liabilities 2.60m)
Debt / Equity = 1.02 (Debt 1.22b / totalStockholderEquity, last quarter 1.20b)
Debt / EBITDA = 1.89 (Net Debt 128.9m / EBITDA 68.2m)
Debt / FCF = 1.87 (Net Debt 128.9m / FCF TTM 68.8m)
Total Stockholder Equity = 1.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.51% (Net Income 58.1m / Total Assets 12.2b)
RoE = 4.98% (Net Income TTM 58.1m / Total Stockholder Equity 1.17b)
RoCE = 2.53% (EBIT 59.5m / Capital Employed (Equity 1.17b + L.T.Debt 1.18b))
RoIC = 0.41% (NOPAT 49.2m / Invested Capital 12.1b)
WACC = 9.90% (E(3.08b)/V(4.29b) * Re(7.68%) + D(1.22b)/V(4.29b) * Rd(18.76%) * (1-Tc(0.17)))
Discount Rate = 7.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -47.12 | Cagr: -0.13%
[DCF] Terminal Value 73.12% ; FCFF base≈43.1m ; Y1≈49.4m ; Y5≈72.7m
[DCF] Fair Price = 2.71 (EV 859.3m - Net Debt 128.9m = Equity 730.4m / Shares 269.5m; r=9.90% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 40.96 | EPS CAGR: 23.97% | SUE: 4.0 | # QB: 1
Revenue Correlation: 86.26 | Revenue CAGR: 7.28% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.12 | Chg30d=+33.33% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=0.50 | Chg30d=+48.81% | Revisions=+25% | GrowthEPS=+111.6% | GrowthRev=+56.6%
EPS next Year (2027-12-31): EPS=0.63 | Chg30d=+78.73% | Revisions=+25% | GrowthEPS=+26.6% | GrowthRev=+45.0%
[Analyst] Revisions Ratio: +50% (up=3, down=0)