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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 $10.94, about 9.5% undervalued vs fair value, -21.5% 1Y return, ranked 571/1078 in sector.
Metrics P/E 30.6× Rev Growth 43.8% ROE 4.6% Gross Margin 98.6%
USD 10.94
-1.26%
(Delayed)
• Vol 90d: 135.5%
Market Cap
$2.20B
Enterprise Value
$3.17B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 20 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$22
Current: $10.94 +10% 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

Locked 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
28
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
28
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For informational purposes only. Not investment advice.

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 (59.2%), Profitability (11.3%), and Safety (29.5%). Growth 59% Safety 30% Profitability 11%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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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% 55p 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

13th percentile vs peers
14
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
$11.98
- - -
+9.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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