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Columbia Financial, Inc.NasdaqGS:CLBK Stock Report

Market Cap US$3.2b
Share Price
n/a
1Y69.0%
7D0%
1D0.3%
Portfolio Value
View

Columbia Financial, Inc.

NasdaqGS:CLBK Stock Report

Market Cap: US$3.2b

Columbia Financial (CLBK) Stock Overview

Operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. More details

CLBK fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance4/6
Financial Health6/6
Dividends2/6

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Columbia Financial, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Columbia Financial
Historical stock prices
Current Share PriceUS$11.79
52 Week HighUS$12.00
52 Week LowUS$6.21
Beta0.23
1 Month Change7.77%
3 Month Change27.40%
1 Year Change68.98%
3 Year Change54.76%
5 Year Change42.20%
Change since IPO68.21%

Recent News & Updates

Seeking Alpha Jul 22

Columbia Financial: Fully Valued Amid Acquisition And Second-Step Offering

Summary Columbia Financial completed its second-step conversion and Northfield Bancorp acquisition, creating a leading New Jersey regional bank with $18 billion in assets. CLBK expects 50% EPS accretion by 2027, improved deposit mix, and enhanced operating leverage but faces material rent-regulated multifamily loan exposure. Rent-regulated loan risk is mitigated by low LTVs and strong credit history, but current legislative and refinancing pressures could drive $10 million–$20 million in losses. I view CLBK as fully valued at 12x 2027E earnings, with better value and lower risk in peers VLY and CNOB; recommend a "Sell" rating. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha Jul 22

Columbia Financial: Fully Valued Amid Acquisition And Second-Step Offering

Summary Columbia Financial completed its second-step conversion and Northfield Bancorp acquisition, creating a leading New Jersey regional bank with $18 billion in assets. CLBK expects 50% EPS accretion by 2027, improved deposit mix, and enhanced operating leverage but faces material rent-regulated multifamily loan exposure. Rent-regulated loan risk is mitigated by low LTVs and strong credit history, but current legislative and refinancing pressures could drive $10 million–$20 million in losses. I view CLBK as fully valued at 12x 2027E earnings, with better value and lower risk in peers VLY and CNOB; recommend a "Sell" rating. Read the full article on Seeking Alpha
Analysis Article Jun 23

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

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Analysis Article Mar 02

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

Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Analysis Article Nov 04

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

Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Analysis Article Jul 05

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

Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Analysis Article Mar 08

Is Now The Time To Put Columbia Financial (NASDAQ:CLBK) On Your Watchlist?

It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...

Shareholder Returns

CLBKUS BanksUS Market
7D0%-3.9%-2.1%
1Y69.0%21.8%18.8%

Return vs Industry: CLBK exceeded the US Banks industry which returned 21.8% over the past year.

Return vs Market: CLBK exceeded the US Market which returned 18.8% over the past year.

Price Volatility

Is CLBK's price volatile compared to industry and market?
CLBK volatility
CLBK Average Weekly Movement3.7%
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.3%
10% least volatile stocks in US Market3.1%

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 (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1926773Tom Kemlywww.columbiabankonline.com

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings.

Columbia Financial, Inc. Fundamentals Summary

How do Columbia Financial's earnings and revenue compare to its market cap?
CLBK fundamental statistics
Market capUS$3.17b
Earnings (TTM)US$58.15m
Revenue (TTM)US$267.23m
54.7x
P/E Ratio
2.7x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CLBK income statement (TTM)
RevenueUS$267.23m
Cost of RevenueUS$0
Gross ProfitUS$267.23m
Other ExpensesUS$209.08m
EarningsUS$58.15m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)0.22
Gross Margin100.00%
Net Profit Margin21.76%
Debt/Equity Ratio102.8%

How did CLBK perform over the long term?

See historical performance and comparison

Dividends

1.7%
Current Dividend Yield
n/a
Payout Ratio

Does CLBK pay a reliable dividends?

See CLBK dividend history and benchmarks
When do you need to buy CLBK by to receive an upcoming dividend?
Columbia Financial dividend dates
Ex Dividend DateAug 12 2026
Dividend Pay DateAug 26 2026
Days until Ex dividend10 days
Days until Dividend pay date4 days

Does CLBK pay a reliable dividends?

See CLBK dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/08/21 22:52
End of Day Share Price 2026/08/21 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Columbia Financial, Inc. is covered by 3 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Damon DelMonteKeefe, Bruyette, & Woods
Mark FitzgibbonPiper Sandler Companies
Manuel NavasPiper Sandler Companies