Columbia Financial (Nasdaq:CLBK) - Stock Price, News & Analysis

CLBK Stock Overview

A bank holding company, provides various financial services to businesses and consumers in the United States. More details

CLBK fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	3/6
Past Performance	1/6
Financial Health	6/6
Dividends	0/6

Rewards

Earnings are forecast to grow 48.69% per year

Risk Analysis

Profit margins (8%) are lower than last year (20.7%)

Columbia Financial, Inc. Competitors

Sandy Spring Bancorp

NasdaqGS:SASR

US$1.7b

Hilltop Holdings

NYSE:HTH

US$2.1b

Northwest Bancshares

NasdaqGS:NWBI

US$1.8b

Live Oak Bancshares

NYSE:LOB

US$2.1b

Price History & Performance

Summary of all time highs, changes and price drops for Columbia Financial
Historical stock prices
Current Share Price	US$17.95
52 Week High	US$20.46
52 Week Low	US$13.79
Beta	0.17
11 Month Change	6.78%
3 Month Change	5.96%
1 Year Change	4.60%
33 Year Change	-6.07%
5 Year Change	6.85%
Change since IPO	16.41%

Recent updates

Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?

Jun 23

Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?

Mar 02

If You Like EPS Growth Then Check Out Columbia Financial (NASDAQ:CLBK) Before It's Too Late

Nov 04

How Many Columbia Financial, Inc. (NASDAQ:CLBK) Shares Did Insiders Buy, In The Last Year?

Dec 11

Shareholder Returns

	CLBK	US Banks	US Market
7D	-3.4%	-0.9%	-1.0%
1Y	4.6%	53.3%	30.3%

Return vs Industry: CLBK underperformed the US Banks industry which returned 54.2% over the past year.

Return vs Market: CLBK underperformed the US Market which returned 30.4% over the past year.

Price Volatility

Is CLBK's price volatile compared to industry and market?
CLBK volatility
CLBK Average Weekly Movement	4.9%
Banks Industry Average Movement	5.1%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CLBK has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CLBK's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1926	747	Tom Kemly	www.columbiabankonline.com

Columbia Financial, Inc., a bank holding company, provides various financial services to businesses and consumers in the United States. Its deposit products include checking, interest-earning checking products and municipal, savings and club deposits, and money market accounts, as well as certificates of deposit. The company also provides various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans, such as automobiles and personal loans, as well as unsecured and overdraft lines of credit.

Columbia Financial, Inc. Fundamentals Summary

How do Columbia Financial's earnings and revenue compare to its market cap?
CLBK fundamental statistics
Market cap	US$1.89b
Earnings (TTM)	US$16.14m
Revenue (TTM)	US$201.02m

116.3x

P/E Ratio

1.7x

P/B Ratio

Is CLBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CLBK income statement (TTM)
Revenue	US$201.02m
Cost of Revenue	US$0
Gross Profit	US$201.02m
Other Expenses	US$184.88m
Earnings	US$16.14m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.15
Gross Margin	100.00%
Net Profit Margin	8.03%
Debt/Equity Ratio	134.4%

How did CLBK perform over the long term?

See historical performance and comparison

CLBK Stock Overview

Rewards

Risk Analysis

Columbia Financial, Inc. Competitors

NasdaqGS:SASR

US$1.7b

NYSE:HTH

US$2.1b

NasdaqGS:NWBI

US$1.8b

NYSE:LOB

US$2.1b

Price History & Performance

Recent News & Updates

Now 22% overvalued after recent price rise

Third quarter 2024 earnings: EPS in line with expectations, revenues disappoint

Columbia Financial, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024

Consensus EPS estimates increase by 30%

Price target increased by 12% to US$19.00

Now 20% overvalued after recent price rise

Recent updates

Now 22% overvalued after recent price rise

Third quarter 2024 earnings: EPS in line with expectations, revenues disappoint

Columbia Financial, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024

Consensus EPS estimates increase by 30%

Price target increased by 12% to US$19.00

Now 20% overvalued after recent price rise

Now 23% overvalued after recent price rise

E. Thomas Allen, Jr. to Retire as Senior Executive Vice President and Chief Operating Officer of Columbia Financial, Inc., Columbia Bank MHC and Columbia Bank, Effective as of January 31, 2025

Consensus EPS estimates fall by 48%

Price target decreased by 7.9% to US$17.50

Price target decreased by 7.7% to US$18.00

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Now 21% overvalued

Price target decreased by 7.3% to US$19.00

Consensus EPS estimates fall by 15%

Full year 2023 earnings: EPS misses analyst expectations

Price target increased by 11% to US$20.50

Full year 2023 earnings: EPS misses analyst expectations

Columbia Financial, Inc., Annual General Meeting, Jun 06, 2024

New major risk - Revenue and earnings growth

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Price target decreased by 12% to US$18.00

Consensus EPS estimates fall by 35%

Second quarter 2023 earnings: EPS misses analyst expectations

Investor sentiment improves as stock rises 19%

Insufficient new directors

Investor sentiment deteriorates as stock falls 21%

First quarter 2023 earnings: EPS and revenues miss analyst expectations

Price target decreased by 7.1% to US$19.50

Investor sentiment deteriorates as stock falls 20%

Consensus EPS estimates fall by 11%

Columbia Financial, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022

Full year 2022 earnings: Revenues and EPS in line with analyst expectations

Columbia Financial, Inc., Annual General Meeting, Jun 07, 2023

Columbia Financial, Inc. Appoints Mayra L. Rinaldi as Executive Vice President, Corporate Governance and Culture

Independent Director exercised options and sold US$125k worth of stock

Independent Director recently bought US$60k worth of stock

Third quarter 2022 earnings: EPS misses analyst expectations

Columbia Financial, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2022

Columbia Financial, Inc. Appoints Manesh Prabhu as Executive Vice President, Chief Information Officer

Price target decreased to US$21.00

Second quarter 2022 earnings: EPS in line with expectations, revenues disappoint

Columbia Financial, Inc.(NasdaqGS:CLBK) dropped from Russell 2000 Dynamic Index

Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?

Columbia Financial, Inc. Appoints Jenifer Walden as Executive Vice President, Chief Human Resources Officer for Columbia Bank

Columbia Financial, Inc. (NasdaqGS:CLBK) acquired RSI Bancorp, MHC.

First quarter 2022 earnings: EPS misses analyst expectations

Columbia Financial, Inc. Receives Regulatory Approvals for Acquisition of RSI Bank

Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?

Full year 2021 earnings: EPS exceeds analyst expectations

Stipulation and Agreement of Compromise, Settlement and Release Files in Relation to A Lawsuit Involving Columbia Financial, Inc

Price target increased to US$22.00

Columbia Financial, Inc. (NasdaqGS:CLBK) agreed to acquire RSI Bancorp, MHC.

If You Like EPS Growth Then Check Out Columbia Financial (NASDAQ:CLBK) Before It's Too Late

Third quarter 2021 earnings released: EPS US$0.20 (vs US$0.14 in 3Q 2020)

Consensus forecasts updated

High number of new directors

Second quarter 2021 earnings released: EPS US$0.26 (vs US$0.14 in 2Q 2020)

Here's Why We Think Columbia Financial (NASDAQ:CLBK) Is Well Worth Watching