CLBK Stock Analysis: Columbia Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.228m USD | 12M Return: 43.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.98M
EPS Trend: -2.9%
Qual. Beats: 0
Rev. Trend: 87.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 8.2 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. is a bank holding company that operates Columbia Bank, providing a range of banking and financial services to both businesses and consumers. Its loan portfolio spans commercial loans (including multifamily and commercial real estate, commercial business, and construction), residential loans, and consumer loans (such as home equity, automobile, personal, unsecured, and overdraft lines of credit). The company also engages in securities activities.
Beyond lending, Columbia Financial offers a full suite of deposit products-including demand accounts, savings, money market accounts, and certificates of deposit-along with title insurance, wealth management, and cash management services like remote deposit, lockbox, sweep accounts, and escrow services. As a community-oriented regional bank, it concentrates its full-service branch network within New Jersey, a model typical of regional banks that focus on relationship-based lending and local market expertise. Founded in 1926 and headquartered in Fair Lawn, NJ, the company went public in 2018 and operates as a subsidiary of Columbia Bank MHC, a mutual holding company structure commonly used by U.S. thrifts and community banks.
- Net interest margin compresses as Fed cuts rates
- Multifamily and CRE loan portfolio drives net interest income
- Deposit costs rise amid competition from money market funds
| 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 (79.7m): 12.13 < 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 38.64%; Δ 12.79% > 0.5%) |
| Asset Turnover: 4.71% > 50% (prev 4.32%; Δ 0.39% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBIT TTM 66.8m / 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: 0.12 (Book Value of Equity 1.17b / Total Liabilities 9.84b) |
| Altman-Z'' = 2.56 = A |
| DSRI: 0.90 (Receivables 41.8m/41.9m, Revenue 508.8m/457.9m) |
| GMI: 0.75 (GM 38.64% / 51.43%) |
| 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 July 08, 2026, the stock is trading at USD 21.47 with a total of 478,544 shares traded. Over the past week, the price has changed by +2.07%, over one month by +3.45%, over three months by +20.52% and over the past year by +43.48%.
Current recommended Stop Loss: 20.90 (which is 2.7% or 1.3 ATR below the current price).
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 | -11.5% |
P/E Trailing = 38.9273
P/E Forward = 72.4638
P/S = 8.5952
P/B = 1.8769
Revenue TTM = 508.8m USD
EBIT TTM = 66.8m USD
EBITDA TTM = 79.7m USD
Long Term Debt = 1.24b USD (from longTermDebt, last quarter)
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 = 3.19b USD (2.23b + Debt 1.24b - CCE 276.9m)
Interest Coverage Ratio = 0.29 (Ebit TTM 66.8m / Interest Expense TTM 232.0m)
EV/FCF = 49.66x (Enterprise Value 3.19b / FCF TTM 64.3m)
FCF Yield = 2.01% (FCF TTM 64.3m / Enterprise Value 3.19b)
FCF Margin = 12.64% (FCF TTM 64.3m / 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 = 0.29 (Enterprise Value 3.19b / Total Assets 11.0b)
Interest Expense / Debt = 18.66% (Interest Expense 232.0m / Debt 1.24b)
Taxrate = 16.26% (10.9m / 66.8m)
NOPAT = 56.0m (EBIT 66.8m * (1 - 16.26%))
Current Ratio = 1.71 (Total Current Assets 8.51b / Total Current Liabilities 4.97b)
Debt / Equity = 1.06 (Debt 1.24b / totalStockholderEquity, last quarter 1.17b)
Debt / EBITDA = 12.13 (Net Debt 966.5m / EBITDA 79.7m)
Debt / FCF = 15.03 (Net Debt 966.5m / FCF TTM 64.3m)
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 = 2.79% (EBIT 66.8m / Capital Employed (Equity 1.15b + L.T.Debt 1.24b))
RoIC = 0.51% (NOPAT 56.0m / Invested Capital 11.0b)
WACC = 10.76% (E(2.23b)/V(3.47b) * Re(8.05%) + D(1.24b)/V(3.47b) * Rd(18.66%) * (1-Tc(0.16)))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 2.22 | Cagr: -0.16%
[DCF] Terminal Value 70.57% ; FCFF base≈42.2m ; Y1≈48.3m ; Y5≈71.1m
[DCF] Fair Price = N/A (negative equity: EV 749.9m - Net Debt 966.5m = -216.7m; 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=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.20 | Chg30d=-2.44% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=0.74 | Chg30d=-1.99% | Revisions=-25% | GrowthEPS=+42.2% | GrowthRev=+56.6%
EPS next Year (2027-12-31): EPS=0.78 | Chg30d=-1.27% | Revisions=-25% | GrowthEPS=+5.4% | GrowthRev=+46.1%
[Analyst] Revisions Ratio: -57% (up=0, down=4)