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Upturn AI SWOT - About
CLBK 
Columbia Financial Inc (CLBK)
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Upturn Advisory Summary
08/28/2025: 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 -31.29% | Avg. Invested days 24 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.58B USD | Price to earnings Ratio 215.43 | 1Y Target Price 16.75 |
Price to earnings Ratio 215.43 | 1Y Target Price 16.75 | ||
Volume (30-day avg) 2 | Beta 0.25 | 52 Weeks Range 12.64 - 19.28 | Updated Date 08/28/2025 |
52 Weeks Range 12.64 - 19.28 | Updated Date 08/28/2025 | ||
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 2025-07-30 | When After Market | Estimate 0.11 | Actual 0.13 |
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 215.43 | Forward PE 72.46 | Enterprise Value 2637576448 | Price to Sales(TTM) 8.45 |
Enterprise Value 2637576448 | Price to Sales(TTM) 8.45 | ||
Enterprise Value to Revenue 14.36 | 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. Originally known as Columbia Savings Bank, it operated as a mutual savings bank for over a century before converting to a stock company. The company focused primarily on residential mortgages and savings accounts.
Core Business Areas
- Retail Banking: Offers traditional banking services including checking accounts, savings accounts, and certificates of deposit to individual and small business customers.
- Mortgage Lending: Originates and services residential mortgage loans, primarily in the New Jersey market.
- Commercial Lending: Provides commercial real estate loans and other business financing solutions.
Leadership and Structure
The company has a board of directors and an executive management team led by its CEO. The organizational structure is typical of a publicly traded financial institution.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primary product offering. Market share is concentrated in the New Jersey region. Competitors include larger national banks and mortgage companies. Revenue from residential mortgages contributes significantly to Columbia Financial's income.
- Checking and Savings Accounts: Traditional banking services aimed at local customers. Market share is limited to the New Jersey area. Competitors include national banks and credit unions.
- Commercial Real Estate Loans: Provides loan products for commercial real estate projects. Limited market share, primarily regional focus. Competitors include larger banks and specialized lenders.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Interest rate fluctuations, economic conditions, and regulatory changes significantly impact profitability. Increased adoption of digital banking is transforming operations.
Positioning
Columbia Financial positions itself as a community-focused bank with a strong presence in the New Jersey market. It emphasizes customer service and local relationships.
Total Addressable Market (TAM)
TAM includes the banking and financial services market in New Jersey and surrounding areas. While it's challenging to get the complete market size for smaller regional markets, it is worth $22.8 billion in 2024 and is expected to reach $29.38 billion by 2029, growing at a CAGR of 5.15%. Columbia Financial Inc. caters to regional markets within this TAM, with limited market share, focusing on community banking and mortgage lending.
Upturn SWOT Analysis
Strengths
- Strong community presence in New Jersey
- Long-standing reputation
- Experienced management team
- Focus on customer service
Weaknesses
- Limited geographic diversification
- Dependence on mortgage lending
- Smaller scale compared to national banks
- Technology and digital banking limitations
Opportunities
- Expansion into neighboring markets
- Increased digital banking adoption
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Lakeland Financial Corporation (LKFN)
- OceanFirst Financial Corp. (OCFC)
- Northfield Bancorp, Inc. (NFBK)
Competitive Landscape
Columbia Financial faces significant competition from larger regional and national banks. It differentiates itself through local customer service and community relationships. However, it needs to innovate digitally to maintain market share.
Growth Trajectory and Initiatives
Historical Growth: The growth of Columbia Financial is determined by accessing historical financial data. Analyze recent performance in revenue, profitability, and asset growth to define previous growth trends.
Future Projections: Future growth projections are made based on analysis reports, analyst estimates, and market trends to predict the company's growth path.
Recent Initiatives: Latest announcements and initiatives for strategic growth must be extracted from news releases, financial reports, and investor relations sections.
Summary
Columbia Financial is a regional bank with a strong community presence in New Jersey. It benefits from long-standing relationships, but faces challenges from larger competitors and technological limitations. The company needs to focus on digital transformation and strategic growth initiatives to improve its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
- Financial news sources
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can 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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