CLBK Stock Overview
Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States.
Columbia Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$20.30|
|52 Week High||US$22.71|
|52 Week Low||US$16.34|
|1 Month Change||-7.60%|
|3 Month Change||-5.67%|
|1 Year Change||15.34%|
|3 Year Change||31.39%|
|5 Year Change||n/a|
|Change since IPO||31.65%|
Recent News & Updates
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...
|CLBK||US Mortgage||US Market|
Return vs Industry: CLBK exceeded the US Mortgage industry which returned -30.4% over the past year.
Return vs Market: CLBK exceeded the US Market which returned -12.7% over the past year.
|CLBK Average Weekly Movement||3.7%|
|Mortgage Industry Average Movement||4.0%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.0%|
Stable Share Price: CLBK is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CLBK's weekly volatility (4%) has been stable over the past year.
About the Company
Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides 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 that include automobiles and personal loans, as well as unsecured and overdraft lines of credit.
Columbia Financial Fundamentals Summary
|CLBK fundamental statistics|
Is CLBK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CLBK income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.82|
|Net Profit Margin||32.23%|
How did CLBK perform over the long term?See historical performance and comparison
Is Columbia Financial undervalued compared to its fair value and its price relative to the market?
Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CLBK ($20.3) is trading above our estimate of fair value ($9.27)
Significantly Below Fair Value: CLBK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CLBK is poor value based on its PE Ratio (24.9x) compared to the US Mortgage industry average (12.1x).
PE vs Market: CLBK is poor value based on its PE Ratio (24.9x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: CLBK is poor value based on its PEG Ratio (12.1x)
Price to Book Ratio
PB vs Industry: CLBK is overvalued based on its PB Ratio (2.2x) compared to the US Mortgage industry average (0.9x).
How is Columbia Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CLBK's forecast earnings growth (2.1% per year) is above the savings rate (1.9%).
Earnings vs Market: CLBK's earnings (2.1% per year) are forecast to grow slower than the US market (12.5% per year).
High Growth Earnings: CLBK's earnings are forecast to grow, but not significantly.
Revenue vs Market: CLBK's revenue (0.6% per year) is forecast to grow slower than the US market (7.8% per year).
High Growth Revenue: CLBK's revenue (0.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CLBK's Return on Equity is forecast to be high in 3 years time
How has Columbia Financial performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CLBK has high quality earnings.
Growing Profit Margin: CLBK's current net profit margins (32.2%) are higher than last year (28.4%).
Past Earnings Growth Analysis
Earnings Trend: CLBK's earnings have grown significantly by 35.8% per year over the past 5 years.
Accelerating Growth: CLBK's earnings growth over the past year (27.2%) is below its 5-year average (35.8% per year).
Earnings vs Industry: CLBK earnings growth over the past year (27.2%) exceeded the Mortgage industry 7.1%.
Return on Equity
High ROE: CLBK's Return on Equity (8.9%) is considered low.
How is Columbia Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CLBK's Assets to Equity ratio (8.9x) is low.
Allowance for Bad Loans: CLBK has a sufficient allowance for bad loans (1025%).
Low Risk Liabilities: 93% of CLBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: CLBK has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: CLBK's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: CLBK has an appropriate level of bad loans (0.1%).
What is Columbia Financial current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CLBK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CLBK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CLBK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CLBK's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CLBK's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Kemly (63 yo)
Mr. Thomas J. Kemly, also Known as Tom, has been Chief Executive Officer and President of Columbia Financial, Inc. since 2011 and its Director since 2006. Mr. Kemly serves as Director of Federal Home Loan...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD2.13M) is below average for companies of similar size in the US market ($USD5.43M).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Experienced Management: CLBK's management team is considered experienced (2.8 years average tenure).
Experienced Board: CLBK's board of directors are seasoned and experienced ( 16.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CLBK insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.8%.
Columbia Financial, Inc.'s employee growth, exchange listings and data sources
- Name: Columbia Financial, Inc.
- Ticker: CLBK
- Exchange: NasdaqGS
- Founded: 1927
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$2.276b
- Shares outstanding: 112.10m
- Website: https://www.columbiabankonline.com
Number of Employees
- Columbia Financial, Inc.
- 19-01 Route 208 North
- Fair Lawn
- New Jersey
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/21 00:00|
|End of Day Share Price||2022/05/20 00:00|
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 here.