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Columbia Financial, Inc. CLBK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 18.21
-2.04 %
$ 1.91 B
Market Cap
121.4
P/E
1. INTRINSIC VALUE

Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts.[ Read More ]

The intrinsic value of one CLBK stock under the base case scenario is HIDDEN Compared to the current market price of 18.2 USD, Columbia Financial, Inc. is HIDDEN

CLBK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CLBK

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FINANCIALS
422 M REVENUE
41.89%
Growth Rates
1Year 41.89%
3Years 18.59%
5Years 17.82%
7Years 16.60%
10Years 0.00%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 0.00%
5Years 0.00%
7Years 0.00%
10Years 0.00%
36.1 M NET INCOME
-58.12%
Growth Rates
1Year -58.12%
3Years -14.43%
5Years 9.68%
7Years 1.31%
10Years 0.00%
40.7 M OPERATING CASH FLOW
-71.36%
Growth Rates
1Year -71.36%
3Years -5.26%
5Years -6.37%
7Years -5.16%
10Years 0.00%
39.6 M INVESTING CASH FLOW
106.45%
Growth Rates
1Year 106.45%
3Years -46.41%
5Years 15.35%
7Years 11.45%
10Years 0.00%
164 M FINANCING CASH FLOW
-71.82%
Growth Rates
1Year -71.82%
3Years 57.51%
5Years -28.29%
7Years -4.98%
10Years 0.00%
54.3 M REVENUE
-55.66%
Growth Rates
1Year 41.89%
3Years 18.59%
5Years 17.82%
7Years 16.60%
10Years 0.00%
10.9 M OPERATING INCOME
47.88%
Growth Rates
1Year 0.00%
3Years 0.00%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-2.77 M NET INCOME
-60.93%
Growth Rates
1Year -58.12%
3Years -14.43%
5Years 9.68%
7Years 1.31%
10Years 0.00%
-32.7 M OPERATING CASH FLOW
-176.11%
Growth Rates
1Year -71.36%
3Years -5.26%
5Years -6.37%
7Years -5.16%
10Years 0.00%
153 M INVESTING CASH FLOW
247.08%
Growth Rates
1Year 106.45%
3Years -46.41%
5Years 15.35%
7Years 11.45%
10Years 0.00%
-92.3 M FINANCING CASH FLOW
-89.39%
Growth Rates
1Year -71.82%
3Years 57.51%
5Years -28.29%
7Years -4.98%
10Years 0.00%
Balance Sheet Decomposition Columbia Financial, Inc.
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Current Assets 886 M
Cash & Short-Term Investments 423 M
Receivables 0
Other Current Assets 463 M
Non-Current Assets 11.8 B
Long-Term Investments 1.5 B
PP&E 83.6 M
Other Non-Current Assets 10.3 B
Current Liabilities 911 M
Accounts Payable 0
Short-Term Debt 911 M
Other Current Liabilities 0
Non-Current Liabilities 1.96 B
Long-Term Debt 634 M
Other Non-Current Liabilities 1.32 B
EFFICIENCY
Earnings Waterfall Columbia Financial, Inc.
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Revenue 422 M
Cost Of Revenue 0
Gross Profit 422 M
Operating Expenses 233 M
Operating Income 0
Other Expenses -36.1 M
Net Income 36.1 M
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 0.00%
0.00% OPERATING MARGIN
0.00%
Averages
1Year 0.00%
3Years 31.89%
5Years 32.13%
7Years 38.54%
10Years 0.00%
8.56% NET MARGIN
8.56%
Averages
1Year 8.56%
3Years 23.80%
5Years 24.20%
7Years 21.86%
10Years 0.00%
3.47% ROE
3.47%
Averages
1Year 3.47%
3Years 6.73%
5Years 6.29%
7Years 5.76%
10Years 0.00%
0.34% ROA
0.34%
Averages
1Year 0.34%
3Years 0.72%
5Years 0.70%
7Years 0.63%
10Years 0.00%
0.00% ROIC
0.00%
Averages
1Year 0.00%
3Years 3.76%
5Years 3.35%
7Years 3.43%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Columbia Financial, Inc.
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Net Income 36.1 M
Depreciation & Amortization 14 M
Capital Expenditures -7.64 M
Stock-Based Compensation 12.1 M
Change in Working Capital -36.2 M
Others -19.4 M
Free Cash Flow 33.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Columbia Financial, Inc.
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CLBK has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION

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26.3 USD
CWBC
Undervalued 28.52%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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0.673 USD
FFNW
Overvalued 96.96%

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States.

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5.63 USD
FNWB
Overvalued 47.83%

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers.

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54.8 USD
FCAP
Undervalued 60.62%

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

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7.59 USD
MGYR
Overvalued 41.05%

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

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42.2 USD
OFED
Undervalued 212.50%

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts.

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21.1 USD
AFBI
Overvalued 1.63%

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania.

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28.6 USD
FRAF
Overvalued 14.12%

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations.

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9.74 USD
HFBL
Overvalued 20.62%

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses.

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38.1 USD
CFFI
Overvalued 47.42%

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits.

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92.7 USD
QCRH
Undervalued 3.15%

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers.

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2 USD
CZWI
Overvalued 86.84%

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California.

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28.7 USD
BSRR
Overvalued 8.47%
6. Ownership
Insider Ownership Columbia Financial, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
16.7 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
8 months ago
Feb 22, 2024
Bought 16.7 K USD
Van Dyk Robert
Director
+ 1000
 16.6892 USD
1 year ago
May 02, 2023
Bought 4.99 K USD
Klimowich John
EVP & Chief Risk Officer
+ 346
 14.42 USD
1 year ago
Mar 14, 2023
Bought 44 K USD
Kemly Thomas J.
President & CEO
+ 2500
 17.59 USD
1 year ago
Mar 14, 2023
Bought 35.2 K USD
Gibney Dennis E.
EVP & Chief Financial Officer
+ 2000
 17.6 USD
1 year ago
Dec 05, 2022
Sell 121 K USD
Randall Elizabeth E.
Director
- 5709
 21.22 USD
2 years ago
Oct 31, 2022
Bought 24.8 K USD
Massood Michael Jr.
Director
+ 1205
 20.5522 USD
2 years ago
Oct 31, 2022
Bought 35 K USD
Massood Michael Jr.
Director
+ 1703
 20.5517 USD
7. News
Why Columbia Financial (CLBK) Might be Well Poised for a Surge Columbia Financial (CLBK) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 weeks ago
Columbia Financial (CLBK) Meets Q3 Earnings Estimates Columbia Financial (CLBK) came out with quarterly earnings of $0.06 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.09 per share a year ago. zacks.com - 3 weeks ago
Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2024 FAIR LAWN, N.J., Oct. 24, 2024 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia"), reported net income of $6.2 million, or $0.06 per basic and diluted share, for the quarter ended September 30, 2024, as compared to $9.1 million, or $0.09 per basic and diluted share, for the quarter ended September 30, 2023. The income for the quarter ended September 30, 2024 reflected lower net interest income, mainly due to an increase in interest expense, and higher provision for credit losses, partially offset by higher non-interest income and lower income tax expense. globenewswire.com - 3 weeks ago
Columbia Financial, Inc. Announces Completion of Merger of Freehold Bank Into Columbia Bank FAIR LAWN, N.J., Oct. 07, 2024 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the mid-tier holding company for Columbia Bank, announced today the completion of the merger of Freehold Bank with and into Columbia Bank, effective as of October 5, 2024. Prior to the bank merger, Freehold Bank and Columbia Bank were held and operated as separate subsidiaries of the Company. globenewswire.com - 1 month ago
Columbia Financial Gets Regulatory Nod to Merge Freehold Bank CLBK receives regulatory approvals to complete the Freehold Bank merger into Columbia Bank. zacks.com - 2 months ago
Columbia Financial, Inc. Announces Receipt of Regulatory Approval for Merger of Freehold Bank Into Columbia Bank FAIR LAWN, N.J., Aug. 26, 2024 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the mid-tier holding company for Columbia Bank and Freehold Bank, announced today that Columbia Bank has received the requisite regulatory approval from the Office of the Comptroller of the Currency necessary to merge Freehold Bank with and into Columbia Bank. globenewswire.com - 2 months ago
Columbia Financial (CLBK) Could Find a Support Soon, Here's Why You Should Buy the Stock Now Columbia Financial (CLBK) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates higher enhances the stock's potential for a turnaround in the near term. zacks.com - 3 months ago
Surging Earnings Estimates Signal Upside for Columbia Financial (CLBK) Stock Columbia Financial (CLBK) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 3 months ago
Columbia Financial (CLBK) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for Columbia Financial (CLBK) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
Columbia Financial (CLBK) Beats Q2 Earnings and Revenue Estimates Columbia Financial (CLBK) came out with quarterly earnings of $0.05 per share, beating the Zacks Consensus Estimate of $0.04 per share. This compares to earnings of $0.12 per share a year ago. zacks.com - 3 months ago
Columbia Financial (CLBK) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Columbia Financial (CLBK) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 6 months ago
Columbia Financial (CLBK) Lags Q1 Earnings and Revenue Estimates Columbia Financial (CLBK) came out with quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.05 per share. This compares to earnings of $0.19 per share a year ago. zacks.com - 6 months ago
8. Profile Summary

Columbia Financial, Inc. CLBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.91 B
Dividend Yield 0.00%
Description Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
Contact 19-01 Route 208 North, Fair Lawn, NJ, 07410 https://www.columbiabankonline.com
IPO Date April 23, 2018
Employees 720
Officers Mr. Edward Thomas Allen Jr. Senior Executive Vice President & Chief Operating Officer Mr. John Klimowich Executive Vice President & Chief Risk Officer Ms. Allyson Katz Schlesinger Executive Vice President & Head of Consumer Banking Mr. Manesh Balachandran Prabhu Executive Vice President & Chief Information Officer Ms. Mayra L. Rinaldi Executive Vice President of Corporate Governance and Culture Mr. Oliver Edward Lewis Jr. Executive Vice President & Head of Commercial Banking Mr. W. Justin Jennings Executive Vice President of Operations & Operations Officer Mr. Dennis E. Gibney C.F.A. Executive Vice President & Chief Financial Officer Ms. Jenifer W. Walden Executive Vice President & Chief Human Resources Officer Mr. Thomas J. Kemly President, Chief Executive Officer & Director