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Upturn AI SWOT - About
CLBK 
Columbia Financial Inc (CLBK)
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Upturn Advisory Summary
07/16/2025: 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 $17
1 Year Target Price $17
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.8% | 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 07/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.52B 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 07/15/2025 |
52 Weeks Range 12.64 - 19.28 | Updated Date 07/15/2025 | ||
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 2391547392 | Price to Sales(TTM) 8.58 |
Enterprise Value 2391547392 | Price to Sales(TTM) 8.58 | ||
Enterprise Value to Revenue 13.89 | Enterprise Value to EBITDA - | Shares Outstanding 104928000 | Shares Floating 27187596 |
Shares Outstanding 104928000 | Shares Floating 27187596 | ||
Percent Insiders 74.42 | Percent Institutions 13.21 |
Upturn AI SWOT
Columbia Financial Inc
Company Overview
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.
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 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
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
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
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.
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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