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Company Analysis

Columbia Financial, Inc. CLBK

A comprehensive view of key metrics, scores, and financial health for Columbia Financial, Inc.

Overview of Columbia Financial, Inc.

CLBK NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
Columbia Financial, Inc. (CLBK), is a Mid Cap company, in the Banks - Regional industry, last closed at $10.67, about 13.9% undervalued vs fair value, +59.1% 1Y return, ranked 441/1078 in sector.
Metrics P/E 13.9× Rev Growth 43.8% ROE 4.6% Gross Margin 98.6%
USD 10.67
-1.66%
(Delayed)
• Vol 90d: 24.1%
52-Week Range
Market Cap
$2.88B
Enterprise Value
$3.00B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.columbiabankonline...
HQ Fair Lawn, NJ
Fiscal year Dec 31

Next Events

Earnings Oct 27 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $10.67 +14% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$465.6M
4.9%%
Interest Expense
$249.3M
Net Interest Income
$216.3M
26.9%%
Total Revenue
$258.7M
43.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.5%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Columbia Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
24
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.14).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.20).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
24
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 90% Coverage
Trade-Off Triangle Visualization A ternary plot showing CLBK's balance between Growth (57.5%), Profitability (13.7%), and Safety (28.8%). Growth 58% Safety 29% Profitability 14%

Click axes to expand details. Marker shows current allocation.

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Growth

71th percentile vs peers
71
Key Signals
NII Growth YoY 26.9% 87p EPS Growth YoY 5.44 99p Asset Growth YoY 5.2% 56p Equity Growth YoY 7.4% 41p
Strengths
  • NII Growth YoY in top 20% of peers (26.9%, 87th percentile)
  • EPS Growth YoY in top 20% of peers (5.44, 99th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

16th percentile vs peers
17
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Columbia Financial, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.15
- - -
+13.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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