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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 Small Cap
Columbia Financial, Inc. (CLBK), is a Small Cap company, in the Banks - Regional industry, last closed at $19.09, about 39.0% overvalued vs fair value, +41.7% 1Y return, ranked 477/1037 in sector.
Metrics P/E 30.6× Rev Growth 182.1% ROE 4.6% Gross Margin 50.2%
$19.09
3.08%
As of April 28, 2026
Previous close • Vol 90d: 27.8%
52-Week Range
Market Cap
$1.93B
Enterprise Value
$2.77B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$12
$22
Current: $19.09 -39% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$443.8M
13.9%%
Interest Expense
$235.4M
Net Interest Income
$170.4M
-15.1%%
Total Revenue
$507.4M
182.1%%
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
-1.1%
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
0/2
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
22
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
21
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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 (38.5%), Profitability (13.2%), and Safety (48.3%). Growth 38% Safety 48% Profitability 13%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

43th percentile vs peers
44
Key Signals
EPS Growth YoY 5.44 98p Asset Growth YoY 5.2% 58p Equity Growth YoY 3.9% 27p NII Growth YoY -15.1% 5p
Strengths
  • EPS Growth YoY in top 20% of peers (5.44, 98th percentile)
  • Debt/Assets in top 20% of peers (10.7%, 84th percentile)
  • D/E Ratio in top 20% of peers (1.02, 84th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (-15.1%)

Profitability

14th percentile vs peers
15
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
55
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$11.65
- - -
-39.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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