CLBK
Columbia Financial, Inc.
CLBK's fundamentals are strong, but it looks expensive: trading at 53x earnings, above its usual 33x. Analysts expect strong earnings growth.
CLBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CLBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CLBK.
CLBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $11.22 | — |
| Cheap | 24x | $5.10 | -55% |
| Fair | 33x | $6.85 | -39% |
| Current | 53x | $11.22 | — |
| Expensive | 95x | $19.98 | +78% |
Historical ranges are pointers, not guarantees.
CLBK's PE is in its expensive range at 53x. If earnings grow as analysts expect, today's price would be 16x next year's earnings, in its cheap range.
CLBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for CLBK, with profitability improving.
CLBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.70 | +233% |
| Q3 2026 | $0.21 | +200% |
| Q2 2026 | $0.26 | +767% |
| Q1 2026 | $0.25 | +$0.25 |
| Q4 2025 | $0.23 | +$0.28 |
| Q3 2025 | $0.07 | 0% |
| Q2 2025 | $0.03 | -63% |
| Q1 2025 | -$0.00 | -100% |
| Q4 2024 | -$0.05 | -131% |
CLBK's earnings per share have fallen from their peak: $0.21 over the past year, against $0.40 in late 2021.
CLBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $100.5M | +49% |
| Q2 2026 | $73.7M | +15% |
| Q1 2026 | $67.1M | +14% |
| Q4 2025 | $68.8M | +203% |
| Q3 2025 | $67.3M | +24% |
| Q2 2025 | $63.9M | +20% |
| Q1 2025 | $58.8M | +18% |
| Q4 2024 | $22.7M | -60% |
CLBK's revenue has grown year over year for seven quarters in a row: $100M last quarter, up 49% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 1.1% | -28 points |
| Q2 2026 | 27% | +1.3 points |
| Q1 2026 | 28% | +7.4 points |
| Q4 2025 | 29% | +146 points |
| Q3 2025 | 29% | +16 points |
| Q2 2025 | 26% | +17 points |
| Q1 2025 | 20% | +23 points |
| Q4 2024 | -118% | -131 points |
CLBK's operating margin was 1.1% last quarter, down 28 points from the same quarter a year ago, near the bottom of its range since 2019.
CLBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.5M | +69% |
| Q1 2026 | $1.3M | +$5.8M |
| Q4 2025 | $22M | -19% |
| Q3 2025 | $28.1M | +$59.2M |
| Q2 2025 | $12.9M | -25% |
| Q1 2025 | -$4.5M | -136% |
| Q4 2024 | $27.3M | +$62.1M |
| Q3 2024 | -$31.1M | -176% |
CLBK's free cash flow was $99M over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like CLBK.
CLBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +12% | +27.4M shares |
| 1 year | +12% | +27.2M shares |
| 3 years | +12% | +27M shares |
| 5 years | +11% | +25.1M shares |
| Available history | +4% | +9.8M shares |
CLBK has 252M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $10.5M |
| Q3 2025 | $2.8M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $4.2M |
| Q1 2024 | $1.7M |
CLBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 11.3x | High |
| Q4 2025 | 10.7x | High |
| Q3 2025 | 31.4x | High |
| Q2 2025 | 52.4x | High |
| Q1 2025 | 108.8x | High |
| Q3 2024 | 39.8x | High |
| Q2 2024 | 39.1x | High |
| Q1 2024 | 38.4x | High |
CLBK's net debt is about 11 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CLBK.
CLBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 40.9 | Neutral |
CLBK's weekly RSI is 63 (neutral) and its Stochastic is 41 (neutral).
CLBK PE vs Financial Services Sector
| Metric | CLBK | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 309% above |
| PE % | 79 | 63 | 16 pts above |
CLBK is trading at 53x earnings, a 309% premium to the Financial Services sector's median of 13x.
CLBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.1 | 1.5% above |
| 20 week MA | $11.0 | 1.6% above |
| 50 week MA | $9.34 | 20% above |
| 100 week MA | $8.06 | 39% above |
| 200 week MA | $7.97 | 41% above |
CLBK is in an uptrend: it's above all five of its weekly moving averages, and 41% above its 200-week average.
CLBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.82 | $6.97 | -11% |
| 2021 | $6.97 | $9.40 | +35% |
| 2022 | $9.40 | $9.76 | +3.8% |
| 2023 | $9.76 | $8.76 | -10% |
| 2024 | $8.76 | $7.19 | -18% |
| 2025 | $7.19 | $7.33 | +1.9% |
| 2026 YTD | $7.33 | $11.2 | +53% |
CLBK is up 53% so far in 2026, after finishing lower in three of the previous six years.