Columbia Financial, Inc. logo

Columbia Financial, Inc.

CLBK

NASDAQFinancial ServicesBanks - Regional

Previous close

$11.79

+$0.03 · +0.26%

Aug 21, 4:00 PM ET

CLBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

30

Expensive

Momentum

60

Neutral

Sentiment

55

Mixed

Risk resilience

80

Low Risk

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Company profile

Company website

Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Thomas J. Kemly
Listed since
Apr 23, 2018
Employees
773

Market position

Day range

Current $11.79

52-week range

Current $11.79

Open
$11.80
Previous close
$11.76
Volume
2.96M
0.71× average
Average volume
4.18M
Average daily volume
Market cap
2.63B USD
Beta
0.23
Market reference 1
50-day average
$10.3459
+13.96% above average
200-day average
$8.5575
+37.77% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.42B USD
P/E (TTM)
45.27×
P/B (TTM)
2.2×
P/S (TTM)
5.22×
EV / EBITDA
35.11×
Earnings yield
3.29%
Free cash flow yield
3.72%
Dividend yield
0.42%

Profitability & efficiency

Gross margin
52.18%
Operating margin
11.80%
Net margin
11.53%
Return on equity
4.46%
Return on assets
0.47%
Return on invested capital
0.86%

Financial health

Debt / equity
1.02×
Current ratio
0.08×
Altman Z-score
0.43
Piotroski F-score
9 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%63%25%-13%Gross margin, FY2021: 91.24%Gross margin, FY2022: 85.77%Gross margin, FY2023: 54.09%Gross margin, FY2024: 36.49%Gross margin, FY2025: 50.25%Operating margin, FY2021: 40.84%Operating margin, FY2022: 34.37%Operating margin, FY2023: 10.90%Operating margin, FY2024: -3.51%Operating margin, FY2025: 11.86%Net margin, FY2021: 29.79%Net margin, FY2022: 25.34%Net margin, FY2023: 8.54%Net margin, FY2024: -2.57%Net margin, FY2025: 10.20%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.24%. Gross margin FY2022 85.77%. Gross margin FY2023 54.09%. Gross margin FY2024 36.49%. Gross margin FY2025 50.25%. Operating margin FY2021 40.84%. Operating margin FY2022 34.37%. Operating margin FY2023 10.90%. Operating margin FY2024 -3.51%. Operating margin FY2025 11.86%. Net margin FY2021 29.79%. Net margin FY2022 25.34%. Net margin FY2023 8.54%. Net margin FY2024 -2.57%. Net margin FY2025 10.20%.

Income trends

Revenue

507.44M USD+11.94%

Operating income

60.16M USD+76.07M USD

Net income

51.77M USD+63.42M USD
Income trends across reported periods559.77M USD350.43M USD141.09M USD−68.24M USDRevenue, FY2021: 308.98M USDRevenue, FY2022: 340.07M USDRevenue, FY2023: 422.36M USDRevenue, FY2024: 453.32M USDRevenue, FY2025: 507.44M USDOperating income, FY2021: 126.18M USDOperating income, FY2022: 116.88M USDOperating income, FY2023: 46.05M USDOperating income, FY2024: −15.91M USDOperating income, FY2025: 60.16M USDNet income, FY2021: 92.05M USDNet income, FY2022: 86.17M USDNet income, FY2023: 36.09M USDNet income, FY2024: −11.65M USDNet income, FY2025: 51.77M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 308.98M USD. Revenue FY2022 340.07M USD. Revenue FY2023 422.36M USD. Revenue FY2024 453.32M USD. Revenue FY2025 507.44M USD. Operating income FY2021 126.18M USD. Operating income FY2022 116.88M USD. Operating income FY2023 46.05M USD. Operating income FY2024 −15.91M USD. Operating income FY2025 60.16M USD. Net income FY2021 92.05M USD. Net income FY2022 86.17M USD. Net income FY2023 36.09M USD. Net income FY2024 −11.65M USD. Net income FY2025 51.77M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue507.44M USD453.32M USD422.36M USD340.07M USD308.98M USD
Cost of goods sold252.44M USD287.9M USD193.89M USD48.38M USD27.06M USD
Gross profit255M USD165.43M USD228.47M USD291.69M USD281.92M USD
Selling, general, and administrative74.54M USD119.58M USD132.29M USD122.38M USD104.27M USD
Operating expenses194.84M USD181.34M USD182.42M USD174.82M USD155.74M USD
Interest income468.13M USD443.82M USD389.79M USD307.95M USD267.68M USD
Interest expense235.4M USD273.44M USD189.1M USD42.89M USD37.02M USD
Depreciation and amortization8.71M USD14.56M USD14.27M USD13.35M USD11.64M USD
Operating income60.16M USD−15.91M USD46.05M USD116.88M USD126.18M USD
Net income51.77M USD−11.65M USD36.09M USD86.17M USD92.05M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 4 misses, 3 met estimates
Average EPS surprise
-32.86%
11 comparable reports
Latest EPS result
0.07
Estimate 0.07 · Miss by 2.41%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.170.07-0.03-0.14Q1 '25MissQ2 '25BeatQ3 '25MetQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual -0.095, estimate 0.032, surprise -399.97%, Miss. Q2 2025, reported Apr 30, 2025: actual 0.042, estimate 0.023, surprise +83.19%, Beat. Q3 2025, reported Jul 30, 2025: actual 0.05, estimate 0.05, surprise 0.00%, Met estimate. Q4 2025, reported Oct 23, 2025: actual 0.07, estimate 0.059, surprise +19.17%, Beat. Q1 2026, reported Feb 3, 2026: actual 0.069, estimate 0.068, surprise +1.35%, Beat. Q2 2026, reported Apr 29, 2026: actual 0.067, estimate 0.073, surprise -7.74%, Miss. Q3 2026, reported Jul 30, 2026: actual 0.067, estimate 0.068, surprise -2.41%, Miss. Q4 2026, reported Oct 19, 2026: actual —, estimate 0.13, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates138.5M98.77M59.04M19.3MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 22.71M USD, estimate 46.14M USD, surprise -50.78%, Miss. Q2 2025, reported Apr 30, 2025: actual 58.8M USD, estimate 49.95M USD, surprise +17.71%, Beat. Q3 2025, reported Jul 30, 2025: actual 63.88M USD, estimate 55.4M USD, surprise +15.30%, Beat. Q4 2025, reported Oct 23, 2025: actual 67.25M USD, estimate 56.2M USD, surprise +19.67%, Beat. Q1 2026, reported Feb 3, 2026: actual 68.78M USD, estimate 59.2M USD, surprise +16.18%, Beat. Q2 2026, reported Apr 29, 2026: actual 67.14M USD, estimate 60.9M USD, surprise +10.24%, Beat. Q3 2026, reported Jul 30, 2026: actual 73.75M USD, estimate 71.15M USD, surprise +3.65%, Beat. Q4 2026, reported Oct 19, 2026: actual —, estimate 129.93M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$14.00

18.74% upside
Past 12 months12-month forecastHigh $14.00Average $14.00Low $14.00

Recent analyst actions

1 institution

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