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Upturn AI SWOT - About
CLBK 
Columbia Financial Inc (CLBK)
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Upturn Advisory Summary
09/17/2025: CLBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $16.75
1 Year Target Price $16.75
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.74% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.62B USD | Price to earnings Ratio 220.29 | 1Y Target Price 16.75 |
Price to earnings Ratio 220.29 | 1Y Target Price 16.75 | ||
Volume (30-day avg) 2 | Beta 0.32 | 52 Weeks Range 12.64 - 19.28 | Updated Date 09/16/2025 |
52 Weeks Range 12.64 - 19.28 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.29% | Operating Margin (TTM) 29.71% |
Management Effectiveness
Return on Assets (TTM) 0.06% | Return on Equity (TTM) 0.57% |
Valuation
Trailing PE 220.29 | Forward PE 72.46 | Enterprise Value 2660660480 | Price to Sales(TTM) 8.64 |
Enterprise Value 2660660480 | Price to Sales(TTM) 8.64 | ||
Enterprise Value to Revenue 14.42 | Enterprise Value to EBITDA - | Shares Outstanding 104927000 | Shares Floating 27183473 |
Shares Outstanding 104927000 | Shares Floating 27183473 | ||
Percent Insiders 74.42 | Percent Institutions 13.11 |
Upturn AI SWOT
Columbia Financial Inc
Company Overview
History and Background
Columbia Financial, Inc. was founded in 1901 as a mutual savings and loan association. It converted to a stock holding company in 1993 and later became a public company. It operates primarily through its subsidiary, Columbia Bank.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals, families, and businesses in New Jersey.
- Commercial Real Estate Lending: Offers loans for commercial real estate properties.
- Residential Mortgage Lending: Provides mortgage loans for residential properties.
- Wealth Management: Offers financial planning and wealth management services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes departments for retail banking, commercial lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant revenue source. Market share data specifically for Columbia Financial is difficult to obtain precisely, but the overall commercial real estate lending market is highly competitive. Competitors include larger national and regional banks such as Bank of America, Wells Fargo, and PNC Financial Services.
- Residential Mortgages: Columbia Bank offers a range of residential mortgage products. Market share data specifically for Columbia Financial is difficult to obtain precisely, but the overall mortgage market is highly competitive. Competitors include Quicken Loans, United Wholesale Mortgage, and various other regional and national lenders.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data specifically for Columbia Financial is difficult to obtain precisely, but the overall deposit market is highly competitive. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are navigating these headwinds while also adapting to changing customer preferences for digital banking services.
Positioning
Columbia Financial is a regional community bank focused on serving the New Jersey market. Its competitive advantages include its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in New Jersey is estimated to be in the billions of dollars. Columbia Financial's market share is relatively small compared to larger national banks, but it has a significant presence within its target communities.
Upturn SWOT Analysis
Strengths
- Strong presence in the New Jersey market
- Experienced management team
- Focus on community banking
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on interest rate spreads
- Lower digital banking adoption rate compared to national banks
Opportunities
- Expanding digital banking services
- Growing wealth management business
- Acquiring smaller community banks
- Increasing commercial lending activities
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn in New Jersey
Competitors and Market Share
Key Competitors
- USB
- BOH
- FCNCA
Competitive Landscape
Columbia Financial competes with both large national banks and smaller regional banks. Its advantages include its local market knowledge and customer relationships. Disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by analyzing revenue growth, net income growth, and asset growth over the past several years.
Future Projections: Future growth projections would be based on analyst estimates, which typically consider factors such as industry trends, company strategy, and macroeconomic conditions.
Recent Initiatives: Recent strategic initiatives may include expanding digital banking services, acquiring other banks, or launching new products.
Summary
Columbia Financial is a community bank primarily operating in New Jersey. Its strength lies in its regional presence and customer relationships. However, it faces challenges from larger competitors and the need to adapt to digital banking trends. Future growth will depend on successfully expanding its services and managing competition in a changing industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data may not be current.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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