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Columbia Financial, Inc.
CLBK
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.2B
$21.17
▼ -0.47%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$13.66 - $21.59
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 40.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established 95+ year operating history with deep community relationships in New Jersey
- Extensive branch network of 62 offices across 12 counties providing local market presence and customer accessibility
- Diversified loan portfolio reducing concentration risk across residential, commercial, and multifamily segments
- Integrated service offerings including wealth management and cash management creating customer stickiness
- Regional focus allowing specialized underwriting expertise in New Jersey real estate markets
Bear Case
2 risks
- Low volatility (beta 0.3).
- Growth premium of 2.5x vs Commercial Banking peers. Elevated but may be justified by growth trajectory.
Growth
Revenue decline expected
Net interest margin expansion from rising interest rate environment benefiting deposit-heavy business model
Value
Growth premium of 2.5x vs Commercial Banking peers. Elevated but may be justified by growth trajectory.
Momentum
Hot
+20.4% over 3m
Quality
Strong
High-growth business (103% revenue growth, 51% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying CLBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 28, 2026
APR 20, 2026
Reported EPS of $0.15 vs $0.16 consensus (-6.3% surprise). Revenue of $67.1M vs $61.7M expected (+8.9%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-6.3%
Next: Apr 28, 2026
Revenue trend · last 8Q
—
—
-60%
+18%
+20%
+49%
+474%
+1%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$53.3M
$54.3M
$22.7M
$120.6M
$126.7M
$129.7M
$130.4M
$122.0M
Margins · last 8Q
Gross
51.3%
Operating
15.3%
Profit
10.7%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
No analyst coverage on file for this stock yet.