
Columbia Financial, Inc.
CLBKNASDAQFinancial ServicesBanks - Regional
Previous close
$11.79
+$0.03 · +0.26%
CLBK company overview
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GoAI snapshot
AI-powered factor overview
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 websiteColumbia 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 507.44M USD | 453.32M USD | 422.36M USD | 340.07M USD | 308.98M USD |
| Cost of goods sold | 252.44M USD | 287.9M USD | 193.89M USD | 48.38M USD | 27.06M USD |
| Gross profit | 255M USD | 165.43M USD | 228.47M USD | 291.69M USD | 281.92M USD |
| Selling, general, and administrative | 74.54M USD | 119.58M USD | 132.29M USD | 122.38M USD | 104.27M USD |
| Operating expenses | 194.84M USD | 181.34M USD | 182.42M USD | 174.82M USD | 155.74M USD |
| Interest income | 468.13M USD | 443.82M USD | 389.79M USD | 307.95M USD | 267.68M USD |
| Interest expense | 235.4M USD | 273.44M USD | 189.1M USD | 42.89M USD | 37.02M USD |
| Depreciation and amortization | 8.71M USD | 14.56M USD | 14.27M USD | 13.35M USD | 11.64M USD |
| Operating income | 60.16M USD | −15.91M USD | 46.05M USD | 116.88M USD | 126.18M USD |
| Net income | 51.77M USD | −11.65M USD | 36.09M USD | 86.17M USD | 92.05M 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$14.00
18.74% upsideRecent analyst actions
CLBK news
CLBK peers
ETFs holding CLBK
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI88.52M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM80.71M0.10%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB63.88M0.03%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK36.67M0.08%43.8B USD0.05%$358.65+0.70%
iShares Russell 2000 Value ETFIWN27.66M0.19%14.66B USD0.24%$224.81+0.45%
Vanguard Extended Market ETFVXF18.52M0.02%93.7B USD0.05%$245.53+0.82%
Vanguard Russell 2000 ETFVTWO14.36M0.08%17.4B USD0.06%$121.25+0.74%
Dimensional - US Small Cap ETFDFAS10.18M0.06%15.92B USD0.26%$83.02+0.73%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 88.52M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 80.71M
- Weight
- 0.10%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 63.88M
- Weight
- 0.03%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK- Market value
- 36.67M
- Weight
- 0.08%
- AUM
- 43.8B USD
- Expense ratio
- 0.05%
- Price / 1D
- $358.65+0.70%
iShares Russell 2000 Value ETFIWN- Market value
- 27.66M
- Weight
- 0.19%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Vanguard Extended Market ETFVXF- Market value
- 18.52M
- Weight
- 0.02%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
Vanguard Russell 2000 ETFVTWO- Market value
- 14.36M
- Weight
- 0.08%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Dimensional - US Small Cap ETFDFAS- Market value
- 10.18M
- Weight
- 0.06%
- AUM
- 15.92B USD
- Expense ratio
- 0.26%
- Price / 1D
- $83.02+0.73%
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