Columbia Financial CLBK

11.33 0.07 0.62% as of 25 Sep
Market cap
$3.0B
P/E
45.3×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 4.78
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — 16 — 1
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios

Market Cap 3,040.00
Revenue 513.00
Net Income 55.97
Free Cash Flow 64.30
Net Debt 966.52
Current Ratio 1.00
Debt/Equity 1.06
P/E ratio 45.32
P/S ratio 4.92
P/B ratio 2.15
Past 5Y EPS Growth 11.43%
This Y EPS Growth 12.88%
Next Y EPS Growth 25.54%
Next 5Y EPS Growth 19.19%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.10
0.05
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 423 289 341 277
Receivables — — — —
Inventory — — — —
Other — — — —
8,282 8,187 8,607 8,510
2023 2024 2025 Q'26
Payables 7,847 8,096 8,444 8,372
ST’ Debt — — — —
Other — — — —
8,033 8,269 8,629 8,545
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 13.44% 9.21% 14.32%
Cash Flow 0.00% 6.88% (21.64%)
Earnings 5.24% (2.11%) (15.62%)
Book Value — 2.79% 3.28%

Revenue

Mar Jun Sep Dec Year
’26 126 — — — —
’25 121 127 130 130 508
’24 116 122 125 90 453
’23 101 96 107 119 422
’22 76 81 88 95 340
’21 76 82 75 76 309
’20 81 83 81 82 327
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 3 — — — —
’25 (2) 15 31 24 68
’24 14 19 (28) 29 33
’23 (4) 34 43 (32) 41
’22 33 42 37 30 142
’21 172 (100) (5) 31 99
’20 (8) 12 5 41 49
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 1 — — — —
’25 (4) 13 30 20 59
’24 12 17 (30) 27 27
’23 (5) 32 41 (35) 33
’22 32 41 35 28 137
’21 170 (100) (5) 31 95
’20 (10) 10 4 40 44
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.06 — — — —
’25 0.04 0.05 0.07 0.07 0.23
’24 0.00 0.02 0.03 (0.10) (0.05)
’23 0.08 0.01 0.04 0.03 0.16
’22 0.09 0.10 0.09 0.10 0.37
’21 0.09 0.12 0.09 0.10 0.40
’20 0.03 0.06 0.06 0.09 0.24
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — 6.37 6.48 4.67 6.68 8.53 6.41 6.27 5.75

Analyst estimates 2026–2028

Powerpack
Low Price
— — 8.06 7.82 7.88 9.59 10.39 10.10 9.30 7.91
High Price
— — 663 698 628 714 815 774 755 796
Employees
0 0 0 0 1 0 0 1 1 1
Revenue/Emp
144 201 248 293 327 309 340 422 453 508
Revenue
0.00% 77.93% 74.89% 69.69% 77.33% 88.02% 87.39% 55.23% 39.68% 50.92%
Gross Margin
(66) 47 34 71 76 126 117 46 (16) 68
EBT
(46.17%) 23.38% 13.57% 24.28% 23.32% 40.84% 34.37% 10.90% (3.51%) 13.38%
EBT Margin
(33) 0 23 55 58 92 86 36 (12) 52
Net Income
(5) 0 8 7 11 18 22 21 18 18
Depreciation
1.24 1.74 1.01 1.20 1.35 1.35 1.46 1.87 2.03 2.27
Revenue/Sh
0.28 0.01 0.09 0.22 0.24 0.40 0.37 0.16 (0.05) 0.23
Earnings/Sh
(0.51) 0.00 0.23 0.09 0.20 0.43 0.61 0.18 0.15 0.31
Cash Flow/Sh
0.02 0.00 (0.05) (0.08) (0.02) (0.02) (0.02) (0.03) (0.03) (0.04)
Capex/Sh
(0.49) 0.00 0.18 0.01 0.18 0.42 0.59 0.15 0.12 0.26
Free CF/Sh
0.00 4.07 3.97 4.02 4.19 4.71 4.54 4.61 4.83 5.18
Book Value/Sh
116 116 245 244 241 229 232 226 224 224
Shares
28.04 28.04 152.90 34.58 29.35 23.43 26.13 55.44 0.00 30.46
PE Ratio
0.00 0.00 6.87 6.43 5.22 7.03 6.73 4.72 3.55 3.11
PS Ratio
0.00 0.00 1.75 1.92 1.69 2.01 2.17 1.91 1.49 1.36
PB Ratio
(0.21) (0.21) 11.49 10.98 6.37 8.02 9.52 7.33 5.29 4.77
EV/Sales
12.16 12.16 65.78 1,295.78 46.91 26.07 23.68 93.63 88.57 41.39
EV/FCF
(59) 0 57 22 49 99 142 41 33 68
Op' Cash Flow
3 0 (13) (19) (5) (4) (5) (8) (6) (10)
Capex
(56) 0 43 2 44 95 137 33 27 59
FCF
— 142 488 470 (392) (1,334) (344) 249 (82) (22)
Working Cap'
505 929 1,189 1,407 799 377 1,127 1,529 1,081 1,183
Total Debt
505 864 1,147 1,331 376 306 948 1,105 791 843
Net Debt
0 472 972 983 1,011 1,079 1,054 1,040 1,080 1,161
Sh' Equity
0.00% 1.08% 0.36% 0.74% 0.68% 1.02% 0.88% 0.34% (0.11%) 0.48%
ROA
(13.60%) 2.20% 0.99% 1.99% 3.52% 5.73% 3.74% 1.36% (0.48%) 2.13%
ROIC
6.78% 6.81% 3.15% 5.60% 5.78% 8.81% 8.08% 3.45% (1.10%) 4.62%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Mar 2026

Columbia Financial (CLBK) key facts

  • Columbia Financial (CLBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Columbia Financial’s revenue for fiscal 2025 (year ended December 2025) was $508.0 million, up 12.1% from fiscal 2024.
  • As of September 25, 2026, CLBK traded at $11.33, a market capitalization of $3.0 billion.
  • Return on equity was 4.62% and debt-to-equity 1.06.

Source: company filings (standardised) and stockrow calculations.

Columbia Financial (CLBK) Latest News

News by impact score

Fine-tune

13 Aug

3

Columbia Financial (CLBK) stock may rise on increasing earnings estimates. Rising earnings estimates can lift investor sentiment and valuation but rarely shift long-term company trajectory.

10 Aug

3

Columbia Financial (CLBK) is identified as the momentum stock suitable for long-term investors, while two other stocks face challenges. Momentum classification and noted challenges may influence CLBK investor sentiment and short-term trading without altering core operations.

31 Jul

4

Columbia Financial (CLBK) completed a merger, leading to assessment of whether its stock trades at a rich or reasonable valuation. Merger alters Columbia Financial's scale, operations and market positioning with lasting effects on performance.

3

Columbia Financial (CLBK) may see its narrative recast by an earnings beat, dividend and governance shifts. Earnings beat, dividend and governance shifts point to moderate effects on financial performance and investor sentiment without guaranteed trajectory change.

30 Jul

3

Columbia Financial (CLBK) exceeded Q2 earnings and revenue estimates. Beating quarterly estimates moderately lifts short-term stock sentiment and financial perception for Columbia Financial.

3

Columbia Financial reported Q2 2026 financial results and initiated a quarterly cash dividend. Quarterly results release plus new dividend payout signals stable finances with moderate positive effect on valuation and sentiment.

20 Jul

4

Columbia Financial completed its second step conversion via a $1.7 billion stock offering and acquired Northfield Bancorp. The $1.7 billion stock offering and Northfield Bancorp acquisition constitute a major strategic expansion and capital raise.

16 Jul

4

Columbia Financial announced results of its offering, final merger consideration, and anticipated closing date. Merger finalization and offering results represent major strategic restructuring with substantial effects on valuation and operations.

1 Jul

4

Columbia Financial received stockholder and depositor approvals for its pending second step conversion and announced updated subscription offering results. Second step conversion approvals represent major corporate restructuring with substantial effects on ownership and capital structure.

23 Jun

3

Columbia Financial released preliminary subscription offering results and raised maximum purchase limits for participants. Subscription offering results and purchase limit changes alter Columbia Financial's equity capital and ownership base.

9 Jun

3

Columbia Financial reported Q1 earnings, prompting buy, sell or hold analysis for CLBK stock. Q1 earnings and related investment stance can moderately shift near-term investor sentiment and trading activity.

3 Jun

3

Columbia Financial (CLBK) Q1 results are benchmarked against other thrifts and mortgage finance stocks. Q1 results benchmarking reveals company performance versus sector peers without indicating major strategic shifts.

11 May

4

Columbia Financial, Inc. commenced its second-step conversion offering and received regulatory approvals for the conversion and acquisition of Northfield Bancorp, Inc. Regulatory approvals and commencement of conversion offering plus Northfield Bancorp acquisition enable major strategic growth and structural transformation.

21 Apr

3

Columbia Financial (CLBK) missed earnings and revenue expectations, triggering a valuation review amid concerns over financial performance and market positioning. Earnings and revenue shortfalls directly impact financial metrics and investor sentiment, with moderate effects on stock trajectory.

20 Apr

4

Columbia Financial (CLBK) reported Q1 earnings, analyzing key metrics for performance insights. Q1 earnings reports deliver vital financial metrics that significantly affect stock performance and investor outlook.

4

Columbia Financial, Inc. announced financial results for the first quarter ended March 31, 2026. Quarterly earnings announcements typically drive significant short-term stock volatility and shape future market performance expectations.

3

Columbia Financial (CLBK) reported Q1 earnings and revenue below analyst estimates. Q1 earnings and revenue miss affects key financial metrics and investor sentiment but is limited to one quarter.

10 Apr

3

Columbia Financial (CLBK) could see stock gains driven by upward revisions in analyst earnings estimates. Rising earnings estimates signal improved financial outlook with moderate potential to boost stock performance and investor sentiment.

4 Feb

4

Columbia Financial (CLBK) is set to merge with another New Jersey bank in a deal valued at $597 million. This merger aims to enhance the combined entity's market presence and operational efficiency, potentially benefiting customers and shareholders alike. The transaction is expected to close in the coming months, pending regulatory approvals. The merger is a significant strategic move that could alter Columbia Financial's competitive positioning and market dynamics.

3 Feb

3

Columbia Financial and Northfield Bank have announced their merger, raising questions about the future of their New Jersey branches. The merger aims to enhance operational efficiencies and expand market presence, but concerns persist regarding potential branch closures and job losses in the region. The merger may moderately influence Columbia Financial's competitive positioning and operational dynamics in the New Jersey market.

2 Feb

4

Columbia Financial (CLBK) experienced a significant surge in stock price today, driven by positive market sentiment following the announcement of strong quarterly earnings. The company reported impressive growth in net income and an increase in loan origination, which exceeded analysts' expectations. Investors reacted favorably to the news, leading to a notable rise in trading volume and overall market interest in the stock. This performance reflects Columbia Financial's solid operational strategies and potential for continued growth in the competitive financial sector. Strong quarterly earnings and increased loan origination are likely to significantly impact future performance and investor sentiment.

4

Columbia Financial (NASDAQ:CLBK) reported better-than-expected sales for the fourth quarter of calendar year 2025, indicating strong performance and potential growth in its financial operations. The results surpassed analysts' forecasts, reflecting effective management strategies and market positioning. The better-than-expected sales suggest significant positive momentum that could influence future performance and investor sentiment.

4

Columbia Financial has announced a merger with Northfield Bancorp valued at $597 million, alongside a second-step conversion plan set for 2026. This strategic move aims to enhance the company's growth and market position. The merger and conversion plan are significant strategic initiatives that could substantially influence Columbia Financial's future performance and market dynamics.

4

Columbia Financial and Northfield Bancorp have announced a merger valued at $597 million in an all-stock deal. The transaction aims to enhance the combined entity's market presence and operational efficiencies. Shareholders of Northfield will receive 0.75 shares of Columbia for each share they own, resulting in Northfield shareholders owning approximately 37% of the merged company. The merger is expected to close in the second half of 2024, subject to regulatory approvals and customary closing conditions. The merger is a significant strategic move that could enhance market positioning and operational efficiencies for Columbia Financial.

4

Columbia Financial, Inc. and Northfield Bancorp, Inc. have announced plans to merge, aiming to create a larger financial institution that can enhance operational efficiencies and expand market presence. The merger is expected to provide significant benefits to both companies, including improved financial performance and increased shareholder value. Details regarding the merger timeline and financial terms have not been disclosed yet. The merger is likely to significantly impact future performance and market positioning for Columbia Financial.

3

Columbia Financial (CLBK) has been identified as one of the top midday gainers in the stock market, reflecting a positive shift in investor sentiment and market performance. The company's stock has shown notable upward movement, indicating potential interest from investors and analysts alike. This trend may suggest a favorable outlook for Columbia Financial amidst current market conditions. The stock's upward movement indicates moderate investor interest, which may influence market sentiment and financial performance.

3

Columbia Financial (CLBK) shares experienced an uptick today, driven by positive market sentiment and favorable financial indicators. Investors reacted to recent announcements regarding strategic initiatives aimed at enhancing operational efficiency and expanding market reach. Analysts noted that these developments could bolster the company's competitive positioning in the financial sector, leading to increased investor confidence. Recent strategic initiatives are expected to moderately influence Columbia Financial's competitive positioning and financial performance.

3

Columbia Financial (CLBK) reported its fourth-quarter earnings, matching analysts' estimates. The results reflect the company's stable financial performance amid current market conditions. Investors are closely monitoring CLBK's strategies and future growth potential as it navigates the competitive landscape. Earnings results matching estimates indicate stable performance but do not signal significant changes in trajectory.

3

Columbia Financial (CLBK) reported its Q4 earnings, showcasing a notable performance with increased revenues and improved net income compared to the previous quarter. The bank's strategic initiatives and focus on customer service contributed to its growth, while management expressed optimism about future prospects. Key metrics highlighted include loan growth and a stable net interest margin, indicating a solid operational foundation. Overall, the results reflect a positive trajectory for Columbia Financial as it navigates the current economic landscape. The earnings report indicates moderate growth and stability, which may influence investor sentiment and financial performance.

3

Northfield Bancorp, Inc. has announced a strategic transaction alongside its financial results for the fourth quarter and year-end 2025. The company reported significant developments that may influence its operational strategy and market positioning moving forward. The strategic transaction and financial results may moderately influence Northfield's competitive positioning and financial performance.

stockrow.com/CLBK · Data as of Mar 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com