Columbia Financial, Inc. (CLBK)

NASDAQ: CLBK · USD

$10.7

-0.19 (-1.7%)· Recorded snapshot

Market cap	2.9B
Revenue (ttm)	267.2M
Net income (ttm)	58.1M
EPS (ttm)	$0.26
Shares out	269.5M
P/E (trailing)	41.2x
P/E (forward)	15.7x
Dividend	$0.20 (1.88%)
Volume	2,225,499
Beta	0.26

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 267.2M
Net income (ttm): 58.1M
EPS (ttm): $0.26
P/E (trailing): 41.2x
P/E (forward): 15.7x
Market cap: 2.9B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E15.7

P25 n/aP50 n/aP75 n/a

Trailing P/E41.2

P25 n/aP50 n/aP75 n/a

ROE5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CLBK indicators

Market & fundamental data

Available fields

232

Groups with data

Currency

USD

Showing 232 of 232 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0002115119
Company name	Columbia Financial, Inc.
Country	United States
Country code	US
CUSIP number	197914104
Earnings date	2026-11-10
Earnings time	amc
Employees	796
Employees change	41
Employees growth	5.43%
Enterprise value	$3B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1927
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1979141041
Last 10-K release date	2026-03-06
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2026-07-21
Last stock split type	Forward
Market cap	$2.9B
Market cap category	Mid-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$10.67
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-10-28
Symbol	CLBK
U.S. state	New Jersey
Website	https://www.columbiabankonline.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	29.93x
Average P/E ratio (10Y)	87.72x
Average P/E ratio (3Y)	82.23x
Average P/E ratio (5Y)	56.76x
Earnings yield	2.43%
EV/Earnings	52.17x
EV/FCF	44.12x
EV/Sales	11.35x
FCF / EV yield	2.27%
FCF yield	2.38%
Forward EV/Sales	6.47x
Forward P/E	15.74x
Forward P/S	6.15x
Graham number	5.51862
Graham upside	-48.47%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$1.30
Lynch upside	-87.91%
P/B ratio	2.08x
P/E ratio	41.17x
P/FCF ratio	41.99x
P/OCF ratio	36.82x
P/S ratio	10.8x
Price / tangible book value	2.68x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	25.63%
FCF margin	25.73%
Operating margin	32.79%
Pretax margin	29.26%
Profit margin	21.76%
Profit per employee	$73,048
Profitable quarters	6
Profitable years	1
Revenue per employee	$335,714
ROA	0.51%
ROA (5Y)	0.52%
ROE	5.02%
ROE (5Y)	4.77%
SBC / revenue	3.09%
Tax / revenue	7.5%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	840.51%
EPS growth (Q)	16.7%
EPS growth (QoQ)	8.17%
EPS growth 3Y	-1.81%
EPS growth 5Y	-5.78%
EPS growth quarters	6
EPS growth years	1
FCF growth	1,378.18%
FCF growth (Q)	34.28%
FCF growth (QoQ)	1,260.94%
FCF growth 3Y	-8.48%
FCF growth 5Y	-9.43%
Net income growth	842.86%
Net income growth (Q)	17.73%
Net income growth (QoQ)	10.59%
Net income growth 3Y	-2.74%
Net income growth 5Y	-6.98%
Net income growth quarters	6
Net income growth years	1
OCF growth	473.58%
OCF growth (Q)	36.16%
OCF growth (QoQ)	534.7%
OCF growth 3Y	-6.95%
OCF growth 5Y	-7.87%
Revenue growth	42.71%
Revenue growth (Q)	13.07%
Revenue growth (QoQ)	4.92%
Revenue growth 3Y	-0.22%
Revenue growth 5Y	-0.25%
Revenue growth quarters	6
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-9.7M
EPS	$0.26
FCF per share	$0.26
Financing cash flow	$1.3B
Free cash flow	$68.8M
Gross profit	$267.2M
Income taxes	$20M
Investing cash flow	$-537.1M
Net borrowing	$-54.1M
Net cash flow	$841.4M
Net income	$58.1M
Operating income	$87.6M
Revenue	$267.2M
Stock-based compensation	$8.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$5.23
Debt / equity	1.04
Debt / FCF	18.16
Net cash (debt)	$-146.7M
Net cash / market cap	-5.08%
Net debt / equity	0.12
Net debt / FCF	2.13
Piotroski F-Score	4
Property, plant and equipment	$82.8M
Shareholders' equity	$1.2B
Tangible book value	$1.1B
Tangible book value per share	$4.71
Total assets	$12.2B
Total cash	$1.1B
Total debt	$1.2B
Total liabilities	$11B
WACC	3.98%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-8.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.17%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-08-26
Dividend payment years	1
Dividend per share	$0.20
Dividend yield	1.88%
Ex-dividend date	2026-08-12
FCF payout ratio	19.6%
Last dividend	$0.05
Payout ratio	19.3%
Shareholder yield	2.04%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$10.02
1D price change	-1.71%
1M price change	-6.44%
1M total return	-6.44%
1W price change	-0.47%
1W total return	-0.47%
1Y price change	51.54%
1Y return CAGR	52.26%
1Y total return	52.21%
20-day SMA	$10.88
200-day SMA	$9.50
3M price change	-2.3%
3M total return	-1.86%
3Y price change	45.39%
3Y return CAGR	13.45%
3Y total return	46.05%
50-day SMA	$11.25
50-day SMA vs 200-day SMA	50over200
52-week high	$12.00
52-week high date	2026-08-17
52-week low	$6.56
52-week low date	2025-11-18
5Y price change	26.4%
5Y return CAGR	4.89%
5Y total return	26.97%
6M price change	25.92%
6M total return	26.49%
All-time high	$12.00
All-time high date	2026-08-17
All-time low	$4.67
All-time low date	2020-09-01
Average true range (ATR)	$0.25
Average volume	3M
Beta (1Y)	0.12
Beta (2Y)	0.68
Beta (5Y)	0.26
Change from 52-week high	-11.13%
Change from 52-week low	62.65%
Change from all-time high	-11.67%
Change from all-time low	127.08%
Change from open	-1.61%
Day's gap	-0.09%
Dollar volume	$23.7M
High price	$10.84
Low price	$10.54
Monthly RSI	65.75
Open price	$10.84
Position in 52-week range	41.67%
Previous close	$10.85
Price vs 150-day SMA	5.75%
Price vs 20-day SMA	-2.57%
Price vs 200-day SMA	11.61%
Price vs 50-day SMA	-5.8%
Relative volume	0.73
RSI	38.57
Sharpe ratio	1.61
Sharpe ratio (3Y)	0.46
Sharpe ratio (5Y)	0.17
Sortino ratio	3.07
Sortino ratio (3Y)	0.9
Sortino ratio (5Y)	0.42
Volume	2.2M
Weekly RSI	54.73
YTD price change	50.06%
YTD total return	50.74%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	261.8M
Float percentage	97.12%
Shares change (QoQ)	0.49%
Shares change (YoY)	-0.17%
Shares held by insiders	2.88%
Shares held by institutions	15.58%
Shares outstanding	269.5M
Short % of float	8.39%
Short % of shares	8.15%
Short ratio	4.8 days

Deeper analysis on CLBK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this CLBK report

Is a complete CLBK research report available?

No complete published report is available for Columbia Financial, Inc. (CLBK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Columbia Financial, Inc. (CLBK)

Price

Financial snapshot

Fair-value bridge

Latest news · CLBK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CLBK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CLBK

Frequently asked questions