CLBK
NEUTRAL
$17.81
Live
Columbia Financial, Inc. · NASDAQ
Target $18.5
(+3.9%)
$12.76
52W Range
$18.87
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$1.86B
P/E
34.92
ROE
4.6%
Profit margin
20.8%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
CLBK shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.
Key Strengths
Strong profitability (20.8% margin)
Strong revenue growth of 236.3%
Key Risks
High valuation with P/E of 34.9
Premium vs Graham Number ($11.47)
Weak ROE of 4.6%
AI Fair Value Estimate
Based on comprehensive analysis
$3.57
-80.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
40
Moderate
35
65
50
50
0
AI Verdict
CLBK shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.
Key drivers: Strong profitability (20.8% margin), Strong revenue growth of 236.3%, High valuation with P/E of 34.9
Confidence
55%
Value
35/100
Rule-based valuation (P/E + Graham).
Positives
- Insufficient data for clear positives.
Watchpoints
- Premium 34.9x trailing earnings multiple.
- Trades above Graham Number.
Future
65/100
Rule-based growth outlook.
Positives
- Revenue growth running at 236.3%.
Watchpoints
No urgent risks highlighted.
Past
50/100
Historical performance + price trend: Shares moved +1.0% over 5Y and +35.5% over 1Y.
Positives
- Healthy profit margin of 20.8%.
Watchpoints
- ROE only 4.6%.
Health
50/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
0/100
Dividend policy fallback.
Positives
- Insufficient data for clear positives.
Watchpoints
- No regular dividend payments.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.81
Analyst Target
$18.5
Upside/Downside
+3.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CLBK and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CLBK
Columbia Financial, Inc.
Primary
|
+1.0% | -3.4% | +35.5% | +19.9% | -0.3% | +1.7% |
|
AGM
Federal Agricultural Mortgage Corporation
Peer
|
+153.5% | +48.7% | -9.9% | -0.9% | -3.9% | -0.9% |
|
AGM-A
Federal Agricultural Mortgage Corporation
Peer
|
+116.9% | +37.7% | -10.3% | +1.4% | -2.7% | +1.0% |
|
CHCO
City Holding Company
Peer
|
+75.8% | +51.0% | +16.2% | +3.0% | +6.3% | +4.2% |
|
AAMI
Acadian Asset Management Inc.
Peer
|
+169.4% | +146.4% | +115.3% | +38.3% | +14.0% | +1.4% |
CLB
Columbia Financial, Inc.
Primary
5Y
+1.0%
3Y
-3.4%
1Y
+35.5%
6M
+19.9%
1M
-0.3%
1W
+1.7%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+153.5%
3Y
+48.7%
1Y
-9.9%
6M
-0.9%
1M
-3.9%
1W
-0.9%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+116.9%
3Y
+37.7%
1Y
-10.3%
6M
+1.4%
1M
-2.7%
1W
+1.0%
CHC
City Holding Company
Peer
5Y
+75.8%
3Y
+51.0%
1Y
+16.2%
6M
+3.0%
1M
+6.3%
1W
+4.2%
AAM
Acadian Asset Management Inc.
Peer
5Y
+169.4%
3Y
+146.4%
1Y
+115.3%
6M
+38.3%
1M
+14.0%
1W
+1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
34.92
Forward P/E
22.54
PEG Ratio
N/A
P/B Ratio
1.55
P/S Ratio
7.46
EV/Revenue
10.89
EV/EBITDA
N/A
Market Cap
$1.86B
Profitability
Profit margins and return metrics
Profit Margin
20.8%
Operating Margin
31.87%
Gross Margin
N/A
ROE
4.62%
ROA
0.48%
Growth
Revenue and earnings growth rates
Revenue Growth
+236.3%
Earnings Growth
N/A
Q/Q Revenue Growth
+202.84%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.37
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
22.8%
Total Assets
$11.0B
Liabilities
$9.9B
Equity
$1.2B
Debt/Equity
8.49x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
90%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-02-02
$0.16
+4.5% surprise
2025-10-20
$0.15
+15.8% surprise
2025-07-30
$0.13
+20.5% surprise
Financial Services Sector Comparison
Comparing CLBK against 245 companies in the Financial Services sector
(33 bullish, 106 neutral, 106 bearish)
P/E Ratio
34.92
This Stock
vs
27.96
Sector Avg
+24.9%
(Expensive)
Return on Equity (ROE)
4.62%
This Stock
vs
-2.43%
Sector Avg
-290.0%
(Below Avg)
Profit Margin
20.8%
This Stock
vs
80.5%
Sector Avg
-74.2%
(Weaker)
Revenue Growth
236.3%
This Stock
vs
28.96%
Sector Avg
+715.9%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CLBK
Columbia Financial, Inc.
|
NEUTRAL | $1.86B | 34.92 | 4.6% | 20.8% | $17.81 | |
|
AGM
Federal Agricultural...
|
NEUTRAL | $1.87B | 10.02 | 13.7% | 57.2% | $171.22 | Compare |
|
AGM-A
Federal Agricultural...
|
NEUTRAL | $1.79B | 7.35 | 13.7% | 57.2% | $129.0 | Compare |
|
CHCO
City Holding Company
|
BULLISH | $1.79B | 13.94 | 16.9% | 41.3% | $124.49 | Compare |
|
AAMI
Acadian Asset Management Inc.
|
NEUTRAL | $1.98B | 23.49 | 205.6% | 15.7% | $55.19 | Compare |
CLBK
Columbia Financial, Inc.
NEUTRAL
Mkt Cap
$1.9B
P/E
34.9
ROE
4.6%
Price
$17.81
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-20 | KEMLY THOMAS J | Chief Executive Officer | Stock Award | 107 | $1,858 |
| 2026-03-20 | KLIMOWICH JOHN | Officer | Stock Award | 39 | $685 |
| 2026-03-13 | KEMLY THOMAS J | Chief Executive Officer | Stock Award | 1,800 | $31,469 |
| 2026-03-13 | KLIMOWICH JOHN | Officer | Stock Award | 589 | $10,298 |
| 2026-03-13 | PRABHU MANESH BALACHANDRAN | Chief Technology Officer | Stock Award | 476 | $8,333 |
| 2026-03-06 | KEMLY THOMAS J | Chief Executive Officer | Stock Award | 102 | $1,858 |
| 2026-03-06 | KLIMOWICH JOHN | Officer | Stock Award | 37 | $685 |
| 2026-03-06 | TORRES DARIA STACY-WALLS | Director | Stock Award | 269 | $4,875 |
| 2026-03-06 | HOLLAND NOEL R | Director | Stock Award | 9 | $170 |
| 2026-03-02 | SPLAINE THOMAS F JR | Chief Financial Officer | Stock Award | 9,475 | - |
| 2026-03-02 | GIBNEY DENNIS E | Chairman of the Board | Stock Award | 31,213 | - |
| 2026-03-02 | SCHLESINGER ALLYSON KATZ | Officer | Stock Award | 12,574 | - |
| 2026-03-02 | KEMLY THOMAS J | Chief Executive Officer | Stock Award | 53,842 | - |
| 2026-03-02 | KLIMOWICH JOHN | Officer | Stock Award | 11,906 | - |
| 2026-03-02 | LEWIS OLIVER EDWARD JR. | Officer | Stock Award | 11,772 | - |
KEMLY THOMAS J
Chief Executive Officer
2026-03-20
107 shares
·
$1,858
KLIMOWICH JOHN
Officer
2026-03-20
39 shares
·
$685
KEMLY THOMAS J
Chief Executive Officer
2026-03-13
1,800 shares
·
$31,469
KLIMOWICH JOHN
Officer
2026-03-13
589 shares
·
$10,298
PRABHU MANESH BALACHANDRAN
Chief Technology Officer
2026-03-13
476 shares
·
$8,333
KEMLY THOMAS J
Chief Executive Officer
2026-03-06
102 shares
·
$1,858
KLIMOWICH JOHN
Officer
2026-03-06
37 shares
·
$685
TORRES DARIA STACY-WALLS
Director
2026-03-06
269 shares
·
$4,875
HOLLAND NOEL R
Director
2026-03-06
9 shares
·
$170
SPLAINE THOMAS F JR
Chief Financial Officer
2026-03-02
9,475 shares
GIBNEY DENNIS E
Chairman of the Board
2026-03-02
31,213 shares
SCHLESINGER ALLYSON KATZ
Officer
2026-03-02
12,574 shares
KEMLY THOMAS J
Chief Executive Officer
2026-03-02
53,842 shares
KLIMOWICH JOHN
Officer
2026-03-02
11,906 shares
LEWIS OLIVER EDWARD JR.
Officer
2026-03-02
11,772 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
2 analysts
Piper Sandler
2025-11-24
Neutral
Neutral
Past News Coverage
Recent headlines mentioning CLBK from our newsroom.
Newest → oldest
No matching news yet.