Columbia Financial, Inc.
CLBK
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.6B
$11.70
▲ 0.00%
P/E
20.53
Mkt Cap
$2.6B
52-Wk Range
$6.21–$12.00
52-Week Range
$6.21 - $12.00
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 70.5% 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 0.2).
- Growth premium of 3.5x vs Commercial Banking peers. Significant premium - requires sustained high growth to justify.
Growth
Revenue decline expected
Net interest margin expansion from rising interest rate environment benefiting deposit-heavy business model
Value
Growth premium of 3.5x vs Commercial Banking peers. Significant premium - requires sustained high growth to justify.
Momentum
Hot
+24.1% over 3m
Quality
Strong
High-growth business (58% revenue growth, 52% gross margin). Profitable with strong growth momentum.
Dividend
Token
0.43% yield
Smart-money signal
Who's buying CLBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 19, 2026
JUL 30, 2026
Reported EPS of $0.15 vs $0.07 consensus (+120.0% surprise). Revenue of $73.7M vs $71.2M expected (+3.6%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+120.0%
Revenue trend · last 8Q
—
-60%
+18%
+20%
+49%
+474%
+1%
+4%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$54.3M
$22.7M
$120.6M
$126.7M
$129.7M
$130.4M
$122.0M
$131.4M
Margins · last 8Q
Gross
51.6%
Operating
15.2%
Profit
11.0%
Wall Street consensus
2 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · Aug 17, 2026
vs Industry
How CLBK stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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