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Upturn stock ratingUpturn stock rating
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Columbia Financial Inc (CLBK)

Upturn stock ratingUpturn stock rating
$14.51
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: CLBK (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $17

1 Year Target Price $17

Analysts Price Target For last 52 week
$17Target price
Low$12.64
Current$14.51
high$19.28

Analysis of Past Performance

Type Stock
Historic Profit -26.97%
Avg. Invested days 28
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.54B USD
Price to earnings Ratio -
1Y Target Price 17
Price to earnings Ratio -
1Y Target Price 17
Volume (30-day avg) 2
Beta 0.2
52 Weeks Range 12.64 - 19.28
Updated Date 06/29/2025
52 Weeks Range 12.64 - 19.28
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) -0.01

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -0.9%
Operating Margin (TTM) 24.88%

Management Effectiveness

Return on Assets (TTM) -0.01%
Return on Equity (TTM) -0.15%

Valuation

Trailing PE -
Forward PE 72.46
Enterprise Value 2409385728
Price to Sales(TTM) 8.71
Enterprise Value 2409385728
Price to Sales(TTM) 8.71
Enterprise Value to Revenue 14.01
Enterprise Value to EBITDA -
Shares Outstanding 104928000
Shares Floating 27187596
Shares Outstanding 104928000
Shares Floating 27187596
Percent Insiders 74.42
Percent Institutions 13.21

Analyst Ratings

Rating 2
Target Price 17
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Columbia Financial Inc

stock logo

Company Overview

overview logo History and Background

Columbia Financial, Inc. operates as the holding company for Columbia Bank, a community-oriented financial institution. Founded in 1927, the bank primarily serves the communities in Central and Northern New Jersey. The company has grown organically and through strategic acquisitions.

business area logo Core Business Areas

  • Commercial Lending: Provides loans to businesses for various purposes, including real estate, equipment, and working capital.
  • Residential Lending: Offers mortgage loans to individuals for purchasing or refinancing homes.
  • Retail Banking: Provides deposit accounts, personal loans, and other banking services to individuals.
  • Wealth Management: Offers financial planning and investment management services.

leadership logo Leadership and Structure

The company is led by a board of directors and a senior management team. The organizational structure is hierarchical, with various departments responsible for different business functions. Name not available.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties. Market share data unavailable. Competitors include regional and national banks like PNC, Bank of America, and Wells Fargo.
  • Residential Mortgages: Loans for purchasing or refinancing homes. Market share data unavailable. Competitors include Quicken Loans, Rocket Mortgage, and local mortgage brokers.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data unavailable. Competitors include Chase, Wells Fargo, and local credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and subject to regulatory oversight. It is influenced by interest rates, economic conditions, and technological advancements.

Positioning

Columbia Financial Inc. positions itself as a community-focused bank, emphasizing personal service and local expertise. Its competitive advantages lie in its strong relationships with customers and its deep understanding of the local markets it serves.

Total Addressable Market (TAM)

TAM for banking services in Central and Northern New Jersey is estimated to be billions of dollars. Columbia Financial Inc. captures a small percentage of this TAM, with growth potential tied to expansion in the area.

Upturn SWOT Analysis

Strengths

  • Strong community relationships
  • Local market expertise
  • Experienced management team
  • Solid asset quality

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger banks
  • Dependence on interest rate environment
  • Weaker brand recognition

Opportunities

  • Expansion into new markets
  • Increased digital banking adoption
  • Acquisitions of smaller banks
  • Growth in wealth management services

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • PNC (PNC)
  • Bank of America (BAC)
  • Wells Fargo (WFC)

Competitive Landscape

Columbia Financial Inc. faces intense competition from larger national banks, regional banks, and local credit unions. It competes on service, local expertise, and community involvement.

Growth Trajectory and Initiatives

Historical Growth: Columbia Financial Inc.'s growth has been steady, driven by organic expansion and strategic acquisitions.

Future Projections: Future growth projections depend on economic conditions, interest rates, and management's ability to execute its strategic plan.

Recent Initiatives: Recent initiatives include expanding digital banking services, investing in technology, and pursuing acquisitions.

Summary

Columbia Financial Inc is a community bank focused on local markets which has worked well for them. The company faces challenges from large competitors, but they have solid asset quality. To achieve further success, they need to expand their digital capabilities. Economic uncertainty and potential regulatory changes pose ongoing risks.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • Public Financial Statements (SEC Filings)
  • Industry Reports
  • Analyst Estimates

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data should be verified with official SEC filings.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Columbia Financial Inc

Exchange NASDAQ
Headquaters Fair Lawn, NJ, United States
IPO Launch date 2018-04-20
President, CEO & Director Mr. Thomas J. Kemly
Sector Financial Services
Industry Banks - Regional
Full time employees 708
Full time employees 708

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. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit. 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. is a subsidiary of Columbia Bank MHC.