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CLBK 
Columbia Financial Inc (CLBK)
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Upturn Advisory Summary
11/05/2025: CLBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 -33.93% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.58B USD | Price to earnings Ratio 100.8 | 1Y Target Price 17 |
Price to earnings Ratio 100.8 | 1Y Target Price 17 | ||
Volume (30-day avg) 2 | Beta 0.25 | 52 Weeks Range 12.64 - 19.28 | Updated Date 11/6/2025 |
52 Weeks Range 12.64 - 19.28 | Updated Date 11/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 0.13 | Actual 0.15 |
Profitability
Profit Margin 7.35% | Operating Margin (TTM) 34.32% |
Management Effectiveness
Return on Assets (TTM) 0.14% | Return on Equity (TTM) 1.34% |
Valuation
Trailing PE 100.8 | Forward PE 72.46 | Enterprise Value 2593799168 | Price to Sales(TTM) 7.84 |
Enterprise Value 2593799168 | Price to Sales(TTM) 7.84 | ||
Enterprise Value to Revenue 14.12 | Enterprise Value to EBITDA - | Shares Outstanding 104743273 | Shares Floating 27052045 |
Shares Outstanding 104743273 | Shares Floating 27052045 | ||
Percent Insiders 74.55 | Percent Institutions 13.08 |
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 in Fair Lawn, New Jersey. Originally a savings and loan association, it converted to a stock form of ownership in 1993 and has since grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans to businesses for various purposes, including real estate, equipment, and working capital.
- Retail Banking: Offers a range of personal banking products and services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides financial planning and investment management services to individuals and families.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. Thomas J. Kemly serves as the President and CEO. The organizational structure comprises various departments overseeing lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available; Columbia Bank primarily competes with regional and community banks in New Jersey. Competitors: Provident Financial Services, Peapack-Gladstone Financial Corporation.
- Residential Mortgages: Mortgages for purchasing or refinancing residential properties. Market share data is not publicly available; competes with larger national mortgage lenders. Competitors: Wells Fargo, Bank of America.
- Consumer Deposit Accounts: Checking, savings, and money market accounts for individual customers. Market share data is not publicly available. Competitors: Chase, TD Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and evolving regulatory requirements. Community banks are focused on maintaining strong customer relationships and providing personalized service.
Positioning
Columbia Financial Inc., through Columbia Bank, positions itself as a relationship-focused community bank serving the needs of individuals and businesses in its market area. Its competitive advantages include local market expertise and a strong commitment to customer service.
Total Addressable Market (TAM)
The TAM for banking services in Columbia Financial's operating region is estimated at multiple billions of dollars. Columbia Financial is focused on capturing a larger share of this market through strategic growth initiatives and customer acquisition.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey
- Experienced management team
- Commitment to customer service
- Solid capital base
Weaknesses
- Limited geographic diversification
- Dependence on traditional banking products
- Smaller scale compared to larger competitors
- Higher cost of deposits compared to national banks
Opportunities
- Expanding into adjacent markets
- Developing new digital banking products
- Acquiring smaller community banks
- Increasing wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Provident Financial Services (PFS)
- Peapack-Gladstone Financial Corporation (PGC)
- OceanFirst Financial Corp. (OCFC)
Competitive Landscape
Columbia Financial competes with other community banks and larger regional banks. Its advantages include local market expertise and customer relationships. Disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Freehold Bank
- Year: 2014
- Acquisition Price (USD millions): 15
- Strategic Rationale: Expansion in freehold NJ market.
Growth Trajectory and Initiatives
Historical Growth: Columbia Financial has grown steadily over the years through organic expansion and strategic acquisitions. The bank has focused on increasing its commercial lending portfolio and expanding its branch network.
Future Projections: Analyst projections for Columbia Financial's future growth vary depending on economic conditions and the company's strategic initiatives. Overall outlook for growth is stable but slow.
Recent Initiatives: Recent initiatives include investing in digital banking technology, expanding into new markets, and enhancing customer service.
Summary
Columbia Financial Inc. is a stable community bank with a strong presence in New Jersey, demonstrating consistent growth and dividend payouts. While its local focus and customer commitment are strengths, its growth potential is limited by its smaller scale and dependency on traditional banking. Future success relies on leveraging digital technologies and strategically expanding its market reach, while mitigating risks from rising interest rates and increased competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data is subject to change.
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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