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Upturn AI Summary - About
Columbia Financial Inc(CLBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CLBK
11/13/2026: CLBK (2-star) is currently NOT-A-BUY. Pass it for now.
Columbia Financial Inc is a regional bank holding company serving New Jersey through its subsidiary, Columbia Bank. The company has a stable foundation built on traditional residential and commercial lending, supported by a loyal local customer base. Its main growth opportunity involves strategic regional acquisitions and the ongoing modernization of its digital banking platforms. However, investors must monitor risks related to interest rate sensitivity, regional economic concentration, and competitive pressure from larger national banks. The stock may best suit dividend-oriented or value-conscious investors looking for exposure to the regional financial sector, provided they understand the cyclical nature of the banking business.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth rather than the rapid expansion typically sought by aggressive growth investors. |
| Momentum investor | Mixed fit | Momentum appeal is limited, dependent on broader sector uptrends and favorable interest rate environments. |
| Value investor | Strong fit | The stock often trades at valuations reflective of regional banking fundamentals, appealing to those seeking traditional financial services assets. |
| Dividend investor | Strong fit | Regular dividend payments make this a suitable candidate for investors seeking steady income from the financial sector. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the business carries inherent risks related to interest rate sensitivity and economic cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can experience price swings based on Federal Reserve interest rate policy and market sentiment. |
| Valuation risk | Medium | Changes in interest rate expectations can lead to rapid re-valuations of banking assets and equity. |
| Competition risk (Regional Banking) | Medium / high | Aggressive competition for loans and deposits from larger banks can compress margins. |
| Business quality | Medium | The business relies heavily on traditional loan growth, which is cyclical and dependent on regional economic health. |
| Dividend income | Medium | Dividend sustainability depends on the bank's ability to maintain capital ratios and generate consistent earnings. |
| Execution risk | Medium | Successful management of loan portfolios and integration of acquisitions is vital to shareholder value. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.02B USD | Price to earnings Ratio 37.4 | 1Y Target Price 14.17 |
Price to earnings Ratio 37.4 | 1Y Target Price 14.17 | ||
Volume (30-day avg) 3.1M shares | Beta 0.27 | 52 Weeks Range 6.50 - 11.95 | Updated Date 11/12/2026 |
52 Weeks Range 6.50 - 11.95 | Updated Date 11/12/2026 | ||
Dividends yield (FY) 0.44% | Basic EPS (TTM) 0.3 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 7.15% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential and commercial loans minus interest paid on deposits. | The bank primarily makes money by charging more interest on loans than it pays to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and other banking charges. | The bank earns additional revenue through various customer service fees and financial products. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 0.13 | Actual 0.16 |
Profitability
Profit Margin 17.62% | Operating Margin (TTM) 27.05% |
Management Effectiveness
Return on Assets (TTM) 0.34% | Return on Equity (TTM) 2.25% |
Valuation
Trailing PE 37.4 | Forward PE 72.46 | Enterprise Value 4.10B | Price to Sales(TTM) 10.99 |
Enterprise Value 4.10B | Price to Sales(TTM) 10.99 | ||
Enterprise Value to Revenue 16.02 | Enterprise Value to EBITDA - | Shares Outstanding 269.55M | Shares Floating 261.79M |
Shares Outstanding 269.55M | Shares Floating 261.79M | ||
Percent Insiders 29.4 | Percent Institutions 20.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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