(CLBK) Columbia Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.063m USD | Total Return: 41.9% in 12m
Avg Turnover: 8.12M
EPS Trend: -2.9%
Qual. Beats: 0
Rev. Trend: 87.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Columbia Financial, Inc. (CLBK) is a New Jersey-based bank holding company for Columbia Bank, established in 1926. The institution operates as a regional lender focused on providing commercial, residential, and consumer banking services. Its primary asset base includes multifamily and commercial real estate loans, alongside a suite of deposit products such as money market accounts and certificates of deposit.
The company functions under a mutual holding company (MHC) structure, a specific banking model where a parent mutual organization retains majority ownership, often prioritizing long-term capital stability over short-term quarterly earnings pressure. As a regional bank, CLBK generates a significant portion of its revenue through the net interest margin, which is the spread between interest earned on loans and interest paid on customer deposits.
Beyond traditional lending, Columbia Financial offers ancillary services including title insurance, wealth management, and cash management solutions for business clients. For a deeper look at the companys valuation metrics and historical performance, consider reviewing the data available on ValueRay. The firm remains a subsidiary of Columbia Bank MHC and maintains its headquarters in Fair Lawn, New Jersey.
- Net interest margin compression persists due to high deposit costs and funding competition
- Commercial real estate loan concentration exposes the portfolio to regional property market volatility
- Federal Reserve interest rate policy shifts directly impact mortgage lending and refinancing volumes
- Mutual holding company structure limits immediate acquisition potential and reduces public float liquidity
| Net Income: 56.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.50 > 1.0 |
| NWC/Revenue: 696.1% < 20% (prev -1.55k%; Δ 2.25k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 73.1m > Net Income 56.0m |
| Net Debt (966.5m) to EBITDA (75.5m): 12.79 < 3 |
| Current Ratio: 1.71 > 1.5 & < 3 |
| Outstanding Shares: last quarter (101.5m) vs 12m ago -0.36% < -2% |
| Gross Margin: 51.43% > 18% (prev 0.39%; Δ 5.10k% > 0.5%) |
| Asset Turnover: 4.71% > 50% (prev 4.32%; Δ 0.39% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBITDA TTM 75.5m / Interest Expense TTM 232.0m) |
| A: 0.32 (Total Current Assets 8.51b - Total Current Liabilities 4.97b) / Total Assets 11.0b |
| B: 0.09 (Retained Earnings 946.8m / Total Assets 11.0b) |
| C: 0.01 (EBIT TTM 66.8m / Avg Total Assets 10.8b) |
| D: 0.09 (Book Value of Equity 842.8m / Total Liabilities 9.84b) |
| Altman-Z'' = 2.52 = A |
| DSRI: 0.90 (Receivables 41.8m/41.9m, Revenue 508.8m/457.9m) |
| GMI: 0.75 (GM 51.43% / 38.64%) |
| AQI: 0.25 (AQ_t 0.22 / AQ_t-1 0.89) |
| SGI: 1.11 (Revenue 508.8m / 457.9m) |
| TATA: -0.00 (NI 56.0m - CFO 73.1m) / TA 11.0b) |
| Beneish M = -3.70 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 20.23 with a total of 447,051 shares traded.
Over the past week, the price has changed by +4.04%,
over one month by +12.86%,
over three months by +12.24% and
over the past year by +41.88%.
Columbia Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CLBK.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 19 | -6.1% |
P/E Forward = 43.8596
P/S = 7.9601
P/B = 1.7579
Revenue TTM = 508.8m USD
EBIT TTM = 66.8m USD
EBITDA TTM = 75.5m USD
Long Term Debt = 1.18b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.68m USD (from shortTermDebt, last quarter)
Debt = 1.24b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 966.5m USD (calculated: Debt 1.24b - CCE 276.9m)
Enterprise Value = 3.03b USD (2.06b + Debt 1.24b - CCE 276.9m)
Interest Coverage Ratio = 0.29 (Ebit TTM 66.8m / Interest Expense TTM 232.0m)
EV/FCF = 43.87x (Enterprise Value 3.03b / FCF TTM 69.1m)
FCF Yield = 2.28% (FCF TTM 69.1m / Enterprise Value 3.03b)
FCF Margin = 13.57% (FCF TTM 69.1m / Revenue TTM 508.8m)
Net Margin = 11.00% (Net Income TTM 56.0m / Revenue TTM 508.8m)
Gross Margin = 51.43% ((Revenue TTM 508.8m - Cost of Revenue TTM 247.1m) / Revenue TTM)
Gross Margin QoQ = 51.27% (prev 51.42%)
Tobins Q-Ratio = 0.28 (Enterprise Value 3.03b / Total Assets 11.0b)
Interest Expense / Debt = 18.66% (Interest Expense 232.0m / Debt 1.24b)
Taxrate = 29.93% (5.60m / 18.7m)
NOPAT = 46.8m (EBIT 66.8m * (1 - 29.93%))
Current Ratio = 1.65 (Total Current Assets 8.51b / Total Current Liabilities 5.15b)
Debt / Equity = 1.06 (Debt 1.24b / totalStockholderEquity, last quarter 1.17b)
Debt / EBITDA = 12.79 (Net Debt 966.5m / EBITDA 75.5m)
Debt / FCF = 14.00 (Net Debt 966.5m / FCF TTM 69.1m)
Total Stockholder Equity = 1.15b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.52% (Net Income 56.0m / Total Assets 11.0b)
RoE = 4.87% (Net Income TTM 56.0m / Total Stockholder Equity 1.15b)
RoCE = 2.87% (EBIT 66.8m / Capital Employed (Equity 1.15b + L.T.Debt 1.18b))
RoIC = 0.43% (NOPAT 46.8m / Invested Capital 11.0b)
WACC = 10.13% (E(2.06b)/V(3.31b) * Re(8.35%) + D(1.24b)/V(3.31b) * Rd(18.66%) * (1-Tc(0.30)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 2.22 | Cagr: -0.16%
[DCF] Terminal Value 72.44% ; FCFF base≈46.9m ; Y1≈53.7m ; Y5≈79.1m
[DCF] Fair Price = N/A (negative equity: EV 905.7m - Net Debt 966.5m = -60.8m; debt exceeds intrinsic value)
EPS Correlation: -2.91 | EPS CAGR: -1.42% | SUE: -0.36 | # QB: 0
Revenue Correlation: 87.69 | Revenue CAGR: 8.96% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.15 | Chg30d=-9.09% | Revisions=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.20 | Chg30d=-2.44% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=0.74 | Chg30d=-1.99% | Revisions=-20% | GrowthEPS=+42.2% | GrowthRev=+56.6%
EPS next Year (2027-12-31): EPS=0.78 | Chg30d=-1.27% | Revisions=-20% | GrowthEPS=+5.4% | GrowthRev=+46.1%
[Analyst] Revisions Ratio: -20%