Symbols / CLBK Stock $20.27 +0.10% Columbia Financial, Inc.

Financial Services • Banks - Regional • United States • NMS
CLBK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Thomas J. Kemly
Exch · Country NMS · United States
Market Cap 2.11B
Enterprise Value 3.10B
Income 55.97M
Sales 259.20M
FCF (ttm) —
Book/sh 11.27
Cash/sh 2.76
Employees 749
Insider 10d —
IPO Apr 23, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 36.85
Forward P/E 25.99
PEG —
P/S 8.14
P/B 1.80
P/C —
EV/EBITDA —
EV/Sales 11.94
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.55
EPS next Y 0.78
EPS Growth 48.00%
Revenue Growth 18.50%
EPS Gr Q/Q 47.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2026-04-20
ROA 0.52%
ROE 4.92%
ROIC —
Gross Margin 0.00%
Oper. Margin 33.40%
Profit Margin 21.59%
Shs Outstand 104.05M
Shs Float 26.37M
Insider Own 75.12%
Instit Own 13.23%
Short Float 9.87%
Short Ratio 8.15
Short Interest 2.57M
52W High 20.69
vs 52W High -2.03%
52W Low 13.66
vs 52W Low 48.39%
Beta 0.26
Impl. Vol. 53.56%
Rel Volume 0.94
Avg Volume 311.21K
Volume 291.72K
Target (mean) $19.00
Tgt Median $19.00
Tgt Low $19.00
Tgt High $19.00
# Analysts 2
Recom None
Prev Close $20.25
Price $20.27
Change 0.10%
About

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. operates as a subsidiary of Columbia Bank MHC.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$19.00
Mean price target
2. Current target
$20.27
Latest analyst target
3. DCF / Fair value
$8.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$20.27
Low
$19.00
High
$19.00
Mean
$19.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-11-24 main Piper Sandler Neutral → Neutral $17
2025-05-01 main Piper Sandler Neutral → Neutral $16
2024-05-01 main Piper Sandler Neutral → Neutral $17
2024-03-26 main Piper Sandler Neutral → Neutral $19
2024-01-26 main Piper Sandler Neutral → Neutral $20
2023-10-26 main Piper Sandler Neutral → Neutral $18
2023-10-11 init Janney Montgomery Scott — → Buy —
2022-07-28 down Piper Sandler Overweight → Neutral $24
2022-04-28 down Compass Point Buy → Neutral —
2021-12-02 up Piper Sandler Neutral → Overweight $22
2020-10-30 down Piper Sandler Overweight → Neutral —
2020-09-28 main Piper Sandler — → Overweight $14
2020-07-30 main Piper Sandler — → Overweight $16
2019-06-12 down Compass Point Buy → Neutral —
2019-04-29 up Compass Point Neutral → Buy $18
2019-01-09 down Compass Point Buy → Neutral —
News
RSS: Latest CLBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-29 KLIMOWICH JOHN Officer — 34 $20.13 $685
2026-05-29 KEMLY THOMAS J Chief Executive Officer — 92 $20.13 $1,858
2026-05-15 TORRES DARIA STACY-WALLS Director — 249 $19.57 $4,875
2026-05-15 KLIMOWICH JOHN Officer — 34 $19.57 $685
2026-05-15 KEMLY THOMAS J Chief Executive Officer — 94 $19.57 $1,858
2026-05-15 HOLLAND NOEL R Director — 8 $19.57 $170
2026-05-01 KLIMOWICH JOHN Officer — 35 $19.25 $685
2026-05-01 KEMLY THOMAS J Chief Executive Officer — 96 $19.25 $1,858
2026-04-17 KLIMOWICH JOHN Officer — 36 $18.56 $685
2026-04-17 KEMLY THOMAS J Chief Executive Officer — 100 $18.56 $1,858
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
258.70
+43.82%
179.88
-22.88%
233.25
-21.51%
297.18
Operating Revenue
258.70
+43.82%
179.88
-22.88%
233.25
-21.51%
297.18
Selling General And Administration
128.37
+7.35%
119.58
-9.61%
132.29
+8.10%
122.38
Selling And Marketing Expense
2.42
-3.75%
2.51
-10.52%
2.81
-2.09%
2.87
General And Administrative Expense
125.95
+7.59%
117.07
-9.59%
129.49
+8.34%
119.52
Salaries And Wages
119.15
+8.83%
109.49
-9.40%
120.85
+3.35%
116.93
Other Gand A
—
—
—
—
Reconciled Depreciation
15.03
+3.26%
14.56
+2.00%
14.27
+6.90%
13.35
Total Unusual Items
0.07
+101.31%
-5.11
-464.24%
-0.91
+67.76%
-2.81
Total Unusual Items Excluding Goodwill
0.07
+101.31%
-5.11
-464.24%
-0.91
+67.76%
-2.81
Special Income Charges
-0.21
+95.81%
-5.11
-464.24%
-0.91
+67.76%
-2.81
Restructuring And Mergern Acquisition
0.21
-87.15%
1.67
+174.75%
0.61
-78.43%
2.81
Net Income
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Pretax Income
67.99
+527.34%
-15.91
-134.55%
46.05
-60.60%
116.88
Net Interest Income
216.28
+26.94%
170.38
-15.10%
200.68
-24.29%
265.06
Interest Expense
249.32
-8.82%
273.44
+44.60%
189.10
+340.87%
42.89
Interest Income
465.60
+4.91%
443.82
+13.86%
389.79
+26.58%
307.95
Gain On Sale Of Security
1.16
+103.50%
-33.26
-227.59%
-10.15
-5215.18%
-0.19
Tax Provision
16.22
+481.09%
-4.26
-142.72%
9.96
-67.54%
30.70
Tax Rate For Calcs
0.00
-10.83%
0.00
+23.65%
0.00
-17.63%
0.00
Tax Effect Of Unusual Items
0.02
+101.17%
-1.37
-597.68%
-0.20
+73.44%
-0.74
Net Income Including Noncontrolling Interests
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Net Income From Continuing Operation Net Minority Interest
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Net Income From Continuing And Discontinued Operation
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Net Income Continuous Operations
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Normalized Income
51.71
+753.89%
-7.91
-121.49%
36.80
-58.30%
88.24
Net Income Common Stockholders
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Diluted EPS
0.51
+563.64%
-0.11
-131.43%
0.35
-56.79%
0.81
Basic EPS
0.51
+563.64%
-0.11
-131.43%
0.35
-57.32%
0.82
Basic Average Shares
101.81
+0.13%
101.68
-0.95%
102.66
-2.77%
105.58
Diluted Average Shares
101.81
-0.03%
101.84
-1.03%
102.89
-3.11%
106.19
Diluted NI Availto Com Stockholders
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Insurance And Claims
6.80
-10.30%
7.58
-12.25%
8.64
+233.42%
2.59
Occupancy And Equipment
24.48
+4.23%
23.48
+2.42%
22.93
+1.50%
22.59
Other Non Interest Expense
17.08
-10.09%
19.00
+15.34%
16.47
-12.75%
18.88
Professional Expense And Contract Services Expense
10.76
-24.07%
14.16
+44.18%
9.82
+20.42%
8.16
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
11,018.79
+5.19%
10,475.49
-1.60%
10,645.57
+2.28%
10,408.17
Cash And Cash Equivalents
340.81
+17.84%
289.22
-31.67%
423.25
+136.15%
179.23
Cash Equivalents
0.11
+0.91%
0.11
+0.92%
0.11
-16.79%
0.13
Cash Financial
340.69
+17.84%
289.11
-31.67%
423.14
+136.26%
179.10
Other Short Term Investments
801.23
-21.90%
1,025.95
-6.18%
1,093.56
-17.69%
1,328.63
Receivables
41.49
+2.74%
40.38
+2.64%
39.34
+16.07%
33.90
Accounts Receivable
41.49
+2.74%
40.38
+2.64%
39.34
+16.07%
33.90
Net PPE
82.98
+1.48%
81.77
-2.16%
83.58
-0.36%
83.88
Gross PPE
169.24
+5.57%
160.31
+0.14%
160.08
+3.66%
154.43
Accumulated Depreciation
-86.26
-9.82%
-78.54
-2.66%
-76.51
-8.43%
-70.56
Land And Improvements
68.08
+5.79%
64.36
+7.45%
59.90
+5.01%
57.03
Buildings And Improvements
30.21
+1.00%
29.91
-19.99%
37.38
-4.38%
39.10
Machinery Furniture Equipment
40.67
+7.62%
37.79
+2.72%
36.78
+5.87%
34.75
Leases
30.28
+7.17%
28.26
+8.60%
26.02
+10.47%
23.55
Goodwill And Other Intangible Assets
120.30
-0.58%
121.01
-1.90%
123.35
-1.43%
125.14
Goodwill
110.72
+0.00%
110.72
+0.00%
110.72
+0.00%
110.72
Other Intangible Assets
9.59
-6.86%
10.29
-18.54%
12.63
-12.42%
14.43
Investments And Advances
1,525.05
+6.99%
1,425.46
-4.89%
1,498.79
-14.53%
1,753.54
Total Liabilities Net Minority Interest
9,858.07
+4.93%
9,395.12
-2.19%
9,605.23
+2.68%
9,354.57
Payables And Accrued Expenses
—
—
—
180.91
Current Accrued Expenses
—
—
—
180.91
Long Term Debt And Capital Lease Obligation
1,183.47
+9.52%
1,080.60
-29.31%
1,528.69
+35.64%
1,127.05
Long Term Debt
1,183.47
+9.52%
1,080.60
-29.31%
1,528.69
+35.64%
1,127.05
Stockholders Equity
1,160.73
+7.44%
1,080.38
+3.85%
1,040.34
-1.26%
1,053.60
Common Stock Equity
1,160.73
+7.44%
1,080.38
+3.85%
1,040.34
-1.26%
1,053.60
Capital Stock
1.32
+0.15%
1.31
+0.15%
1.31
+0.23%
1.31
Common Stock
1.32
+0.15%
1.31
+0.15%
1.31
+0.23%
1.31
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
131.62
+0.16%
131.41
+0.20%
131.16
+0.19%
130.90
Ordinary Shares Number
103.98
-0.74%
104.76
-0.15%
104.92
-3.72%
108.97
Treasury Shares Number
27.64
+3.69%
26.66
+1.60%
26.24
+19.64%
21.93
Additional Paid In Capital
806.58
+0.89%
799.48
+1.01%
791.45
+1.32%
781.16
Retained Earnings
933.72
+5.87%
881.95
-1.30%
893.60
+4.21%
857.52
Gains Losses Not Affecting Retained Earnings
-75.97
+31.16%
-110.37
+30.47%
-158.74
+11.47%
-179.30
Treasury Stock
476.13
+3.29%
460.98
+1.51%
454.13
+22.17%
371.71
Other Equity Adjustments
-75.97
+31.16%
-110.37
+30.47%
-158.74
+11.47%
-179.30
Total Equity Gross Minority Interest
1,160.73
+7.44%
1,080.38
+3.85%
1,040.34
-1.26%
1,053.60
Total Capitalization
2,344.20
+8.48%
2,160.98
-15.88%
2,569.03
+17.81%
2,180.64
Invested Capital
2,344.20
+8.48%
2,160.98
-15.88%
2,569.03
+17.81%
2,180.64
Total Debt
1,183.47
+9.52%
1,080.60
-29.31%
1,528.69
+35.64%
1,127.05
Net Debt
842.67
+6.48%
791.38
-28.41%
1,105.45
+16.63%
947.82
Net Tangible Assets
1,040.43
+8.45%
959.37
+4.62%
916.99
-1.24%
928.45
Tangible Book Value
1,040.43
+8.45%
959.37
+4.62%
916.99
-1.24%
928.45
Available For Sale Securities
342.46
+5032.05%
6.67
+63.59%
4.08
+20.54%
3.38
Cash Cash Equivalents And Federal Funds Sold
340.81
+17.84%
289.22
-31.67%
423.25
+136.15%
179.23
Held To Maturity Securities
381.36
-2.92%
392.84
-2.07%
401.15
-4.83%
421.52
Other Equity Interest
-28.78
+7.23%
-31.02
+6.47%
-33.17
+6.29%
-35.39
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
68.40
+105.27%
33.32
-18.16%
40.72
-71.36%
142.16
Cash Flow From Continuing Operating Activities
68.40
+105.27%
33.32
-18.16%
40.72
-71.36%
142.16
Net Income From Continuing Operations
51.77
+544.23%
-11.65
-132.29%
36.09
-58.12%
86.17
Depreciation Amortization Depletion
15.03
+3.26%
14.56
+2.00%
14.27
+6.90%
13.35
Depreciation
12.65
+4.31%
12.12
+3.78%
11.68
+4.89%
11.14
Amortization Cash Flow
2.38
-1.93%
2.43
-6.06%
2.59
+16.99%
2.21
Depreciation And Amortization
15.03
+3.26%
14.56
+2.00%
14.27
+6.90%
13.35
Amortization Of Intangibles
2.38
-1.93%
2.43
-6.06%
2.59
+16.99%
2.21
Other Non Cash Items
-8.60
-17.45%
-7.32
+27.72%
-10.13
-36.97%
-7.39
Stock Based Compensation
8.15
-20.91%
10.30
-14.65%
12.07
-1.76%
12.29
Asset Impairment Charge
0.00
-100.00%
0.64
0.00
0.00
Deferred Tax
14.15
+336.40%
-5.99
-277.36%
3.38
-73.57%
12.77
Deferred Income Tax
14.15
+336.40%
-5.99
-277.36%
3.38
-73.57%
12.77
Operating Gains Losses
-1.07
-102.80%
38.20
+278.22%
10.10
+7018.49%
-0.15
Gain Loss On Investment Securities
-0.29
-100.81%
35.85
+230.52%
10.85
+5265.24%
-0.21
Unrealized Gain Loss On Investment Securities
-0.87
+66.35%
-2.59
-273.24%
-0.69
-273.32%
0.40
Gain Loss On Sale Of PPE
0.02
+111.17%
-0.19
-211.90%
0.17
-30.58%
0.24
Change In Working Capital
-22.59
-8.07%
-20.90
+42.27%
-36.20
-448.32%
10.39
Change In Receivables
-1.11
-6.65%
-1.04
+80.94%
-5.45
-16.17%
-4.69
Changes In Account Receivables
-1.11
-6.65%
-1.04
+80.94%
-5.45
-16.17%
-4.69
Change In Payables And Accrued Expense
7.98
+209.35%
-7.30
-322.36%
3.28
-86.87%
25.00
Change In Accrued Expense
7.98
+209.35%
-7.30
-322.36%
3.28
-86.87%
25.00
Change In Other Current Assets
-29.43
-136.59%
-12.44
+63.40%
-33.99
-243.91%
-9.88
Investing Cash Flow
-454.16
-1250.71%
39.47
-0.45%
39.65
+106.45%
-614.73
Cash Flow From Continuing Investing Activities
-454.16
-1250.71%
39.47
-0.45%
39.65
+106.45%
-614.73
Net PPE Purchase And Sale
-9.84
-57.93%
-6.23
+18.43%
-7.63
-40.56%
-5.43
Purchase Of PPE
-9.84
-32.10%
-7.45
+2.48%
-7.63
-5.98%
-7.20
Sale Of PPE
0.00
-100.00%
1.22
0.00
-100.00%
1.77
Capital Expenditure
-9.84
-32.10%
-7.45
+2.48%
-7.63
-5.98%
-7.20
Net Investment Purchase And Sale
-43.62
-152.79%
82.63
-69.79%
273.48
+1.51%
269.40
Purchase Of Investment
-305.51
+31.54%
-446.25
-258.09%
-124.62
+26.90%
-170.48
Sale Of Investment
261.88
-50.48%
528.88
+32.85%
398.10
-9.50%
439.88
Net Business Purchase And Sale
-1.40
0.00
0.00
-100.00%
140.77
Purchase Of Business
-1.40
0.00
0.00
—
Net Other Investing Changes
-2.60
-112.61%
20.64
+195.80%
-21.54
+34.79%
-33.04
Financing Cash Flow
437.35
+311.47%
-206.81
-226.37%
163.66
-71.82%
580.83
Cash Flow From Continuing Financing Activities
437.35
+311.47%
-206.81
-226.37%
163.66
-71.82%
580.83
Net Issuance Payments Of Debt
102.87
+122.78%
-451.54
-212.51%
401.35
-46.05%
743.98
Issuance Of Debt
175.33
-35.35%
271.20
-49.41%
536.11
+59.61%
335.89
Repayment Of Debt
-104.42
+78.47%
-484.92
-1065.68%
-41.60
-7.42%
-38.73
Long Term Debt Issuance
175.33
-35.35%
271.20
-49.41%
536.11
+59.61%
335.89
Long Term Debt Payments
-104.42
+78.47%
-484.92
-1065.68%
-41.60
-7.42%
-38.73
Net Long Term Debt Issuance
70.92
+133.18%
-213.72
-143.22%
494.51
+66.41%
297.17
Net Short Term Debt Issuance
31.96
+113.44%
-237.82
-155.27%
-93.17
-120.85%
446.81
Net Common Stock Issuance
-13.79
-105.51%
-6.71
+91.73%
-81.11
+17.75%
-98.61
Common Stock Payments
-13.79
-105.51%
-6.71
+91.73%
-81.12
+17.74%
-98.61
Repurchase Of Capital Stock
-13.79
-105.51%
-6.71
+91.73%
-81.12
+17.74%
-98.61
Proceeds From Stock Option Exercised
-0.00
+98.99%
-0.10
-312.50%
-0.02
+93.89%
-0.39
Net Other Financing Charges
0.34
-82.56%
1.94
+199.64%
-1.95
-125.51%
7.65
Changes In Cash
51.58
+138.49%
-134.03
-154.92%
244.02
+125.39%
108.27
Beginning Cash Position
289.22
-31.67%
423.25
+136.15%
179.23
+152.57%
70.96
End Cash Position
340.81
+17.84%
289.22
-31.67%
423.25
+136.15%
179.23
Free Cash Flow
58.56
+126.32%
25.88
-21.78%
33.08
-75.49%
134.95
Interest Paid Supplemental Data
249.92
-8.91%
274.38
+49.47%
183.57
+346.89%
41.08
Income Tax Paid Supplemental Data
0.00
-99.79%
0.94
-89.84%
9.25
-41.17%
15.73
Common Stock Issuance
0.00
0.00
-100.00%
0.01
0.00
Issuance Of Capital Stock
0.00
0.00
-100.00%
0.01
0.00
Sale Of Business
—
0.00
0.00
-100.00%
140.77
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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