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Columbia Financial, Inc. CLBK R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.columbiabankonline.com
Company Profile ↓
$11.70
+70.35% 1Y
Mkt Cap$1.22B
P/E21.27
P/B2.02
Div. Yield1.84%
52W High$11.82
52W Low$6.21
Book Value$5.37
EPS (TTM)$0.55

Company Overview

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. was formerly a subsidiary of Columbia Bank MHC.

Why Investors Should Care

Healthy Margins

Maintains a net profit margin of 21.8%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +13.1%, earnings +16.7%.
  • 5-Year Trend Long-term compounding — profit CAGR 5.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:13.10%

Compounded Profit Growth

5 Years:5.15%
1 Year:16.70%

Stock Price Performance

1 Year:+70.35%
6 Months:+43.17%
3 Months:+27.56%
1 Month:+8.42%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 98% of range
$6.21 $11.82
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.61 · Neutral
Price Performance
1M+8.42%
3M+27.56%
6M+43.17%
1Y+70.35%
Valuation vs Sector

P/E of 21.27 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.8%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
21.27
Industry PE
14.52
Forward P/E
33.00
PEG Ratio
-
Book Value
$5.37
Price to Book
2.02
P/S
4.22
EV/EBITDA
-
Dividend Yield
1.84%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
5.15%
Revenue (YoY)
13.10%
Earnings (YoY)
16.70%

Profitability & Returns

ROCE
-
ROE
5.02%
ROA
0.51%
Profit Margin
21.76%
Op Margin
32.64%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.14
EPS (TTM)
$0.55

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.22B
Total Assets
$12.17B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
29.40%
Chg in Prom Hold
0.40%
FII / Inst Holding
3.71%
Chg in FII Hold
0.89%

Financial Snapshot

Enterprise Value
$1.22B
Total Revenue (TTM)
$267.23M
EBITDA
-
Free Cash Flow
$58.56M
Operating Cash Flow
$68.40M
Shares Outstanding
104.06M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CLBK Columbia Financial, Inc. R2KR3KFINANCIAL 11.70 21.27 $1.22B 1.84% - 5.02% - 5.15%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ---------2.81M---3.06M------------------------
Net Income 7.91M8.31M8.23M8.50M9.99M10.29M9.27M1.51M3.68M11.78M-14.74M10.83M14.87M14.92M12.03M14.22M13.55M6.76M15.10M15.09M20.65M21.05M26.69M20.98M20.40M22.96M20.92M18.72M1.66M9.13M-1.16M4.54M6.18M8.90M12.30M14.87M13.10M14.49M
Diluted EPS -----------0.130.10-0.130.110.13-0.060.140.14-0.200.260.200.200.220.190.180.020.09-0.010.040.060.090.120.150.130.14

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2016Sep 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 32.95M31.07M22.74M54.72M57.60M92.05M86.17M36.09M-11.65M51.77M
Diluted EPS --0.200.490.520.880.810.35-0.110.51

Balance Sheet (Annual)

Figures in USD.

Metric Sep 2015Sep 2016Sep 2017Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets ---5.77B6.69B8.19B8.80B9.22B10.41B10.65B10.48B11.02B
Total Equity 418.00M439.66M475.91M472.07M972.06M982.52M1.01B1.08B1.05B1.04B1.08B1.16B
Cash & Equivalents 43.18M45.69M100.97M65.33M42.06M75.55M422.96M70.96M179.23M423.25M289.22M340.81M
Long Term Debt ---929.06M1.19B1.41B799.36M377.31M1.13B1.53B1.08B1.18B
Total Liabilities ---5.29B5.72B7.21B7.79B8.15B9.35B9.61B9.40B9.86B

Cash Flows (Annual)

Figures in USD.

Metric Sep 2016Sep 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 58.99M36.04M56.59M21.82M49.04M-142.16M40.72M33.32M68.40M
Investing Cash Flow -290.57M-330.32M-943.15M-521.01M257.64M--614.73M39.65M39.47M-454.16M
Financing Cash Flow 234.10M349.56M863.26M532.54M40.72M-580.83M163.66M-206.81M437.35M
Capital Expenditure -3.67M-6.53M-13.27M-19.34M-4.62M--7.20M-7.63M-7.45M-9.84M
Free Cash Flow 55.33M29.51M43.32M2.48M44.42M-134.95M33.08M25.88M58.56M
Net Change in Cash ------108.27M244.02M-134.03M51.58M
Share Buybacks -0055.31M108.17M107.77M94.00M80.50M5.89M13.35M

Ratios (Annual)

Figures in %.

Metric Sep 2016Sep 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------
Operating Margin % ----------
Net Margin % ----------
ROE % 7.5%6.5%2.3%5.6%5.7%8.5%8.2%3.5%-1.1%4.5%
ROCE % ----------

Shareholding Pattern

Insiders
29.40%
Institutions
3.71%
Public Float
5.26%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 2.00% 5.38M $62.20M
2 Dimensional Fund Advisors LP 1.72% 4.62M $53.46M
3 Ursa Fund Management, LLC 1.04% 2.81M $32.45M
4 State Street Corporation 1.00% 2.70M $31.16M
5 Vanguard Capital Management LLC 0.96% 2.59M $29.90M
6 Vanguard Portfolio Management LLC 0.92% 2.47M $28.53M
7 Geode Capital Management, LLC 0.64% 1.73M $19.99M
8 Renaissance Technologies, LLC 0.59% 1.58M $18.28M
9 One Fin Capital Management LP 0.47% 1.28M $14.75M
10 Weiss Asset Management Lp 0.41% 1.11M $12.83M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for CLBK

Google News Mon, 07 Sep 2026

Are You Looking for a Top Momentum Pick? Why Columbia Financial (CLBK) is a Great Choice - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxQX0xmN29NMjFqaDY3WGRTSWhVdjFQU2hDOEFuOFA4T1NSS3lLTXowbjJmMlQxVnNUTngzaVQwazZydEZKVm9sS2ZUXzdkdlRlYWthVU93S1VoYWo4N0RjbjdQLXBVcjJpM0liU1VNMV9hRWMxekd2MmRyUkduY0lNZUQ5QURhSFFVN2tZYX…

Google News Fri, 04 Sep 2026

Director at Columbia Financial (CLBK) logs 20-share trade and gift - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQ0l6TWdwYmlfbW9PR0pKbHQtQnBlcXRETE5pOE9hYUhQUWxkbkxhTWZoR0VYeDY5LWhPR3B6T0FIOFpKVUVZNEVHb0d0VnljSHI0bHF3ZlB2Y01oS3l5ZGFkZTczcWRfUkFMZ1JJVnlpb0wwcDc4VElkQjQ3b0JGSmJQT3FBMWo0cFpHY3…

Google News Fri, 31 Jul 2026

Is Columbia Financial (CLBK) Stock Rich Or Reasonable After Its Merger? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxPSm1WTVJxWWVZOWtXek1hejVGdU1qM25TbUUweWwzV1hqOFpid0p3TkE4T2s0VS1oeUpkMS1iaEdwbTRYOG9RNGJRMVljZ0Z6ZzhXSTdjOVZEUlpwd2dqNm1qQ0ZCRG05QmJWNmExTE9DSUZuSHBrOThiNkxobDQ4WFhxMEVweG9yUS1aTV…

Google News Wed, 22 Jul 2026

Columbia Financial EVP Mayra Rinaldi buys $103,370 of CLBK stock - Investing.com

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxNWE1JcUFndUNxUzEyVXJ4RVRuSmJCOUVVdzg2LTZWTkk0TlRzaUN0aVJVclFnMzVoZm5heVZEeVpTNDRSaEFRX3VoREx4T3gwMlBSUDJxaTVWalE5NktrT01JVFA0ZlltQllEMWk2T1BnY3VqUldrcEZXVWNobTItcWpHeFY1TmlGUDdvNW…

Google News Sun, 06 Sep 2026

3 US Financial Stocks That Could Benefit If Fed Rates Stay Higher - simplywall.st

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxNbDc4MEdSN1pQdjNRSEQ5endpQkNlTTJJZUFDR3V1T2VOZjhvOF9LT1ZoU19HWlRla2hSME0xZjVsN2lQT3JCeExGNEhETkZ0TGNxTWctRmRNaC1zbEJoVWFsaUNZUkN0c2NCQ213SVdrSHFBcGYya1R6Y3pWTmR3UzFnQW1hVlpWSjBMNk…

Google News ue, 07 Jul 2026

Columbia Financial, Inc. Launches Public Offering of Unsubscribed Shares in Second-Step Conversion - quiverquant.com

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxQdEVzam55WGUwaFdQX0h6N01DSG9jLWhrUmI1ZURlR25YeFNzN2N3ZUMwdXk3UFlBVTMxWGkzYlVPeWZaVmlIb2hDRnU0elVmWFl4LWJSN01nWFI1WC1LeUlkYTBaUWo1MEdkMEFiSEUzaTI1aG5YN0Vvdi1xcE9rSmNwRkNsWGRWb0R5dn…

CLBK — Frequently Asked Questions

What is the current share price of Columbia Financial, Inc. (CLBK)?

As of 2026-09-07 16:24 PDT, Columbia Financial, Inc. (CLBK) trades at $11.70 on NasdaqGS. Its 52-week range is $6.21 to $11.82.

What is the market capitalisation of CLBK?

Columbia Financial, Inc. (CLBK) has a market capitalisation of $1.22B on NasdaqGS.

What is the P/E ratio of CLBK?

CLBK trades at a trailing price-to-earnings (P/E) ratio of 21.27. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 2.02.

Does CLBK pay a dividend?

Columbia Financial, Inc. (CLBK) currently offers a dividend yield of 1.84%.

What is the return on equity (ROE) of CLBK?

CLBK has a return on equity (ROE) of 5.02%.

Is CLBK a good stock to buy?

This page provides a data-driven analysis of Columbia Financial, Inc. (CLBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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