Columbia Financial Inc

Columbia Financial Inc (CLBK) Stock Analysis

$10.670

-0.148 (-1.39%)At close

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High
10.930
Open
10.840
VWAP
10.74
Volume
3.55M
Mkt Cap
1.53B
Low
10.610
Amount
38.12M
EV/EBITDA, TTM
17.32

Columbia Financial, Inc. is the holding company of Columbia Bank. Columbia Bank is a federally chartered savings bank in Fair Lawn, New Jersey that operates approximately 68 full-service banking offices and offers traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and uses those funds to originate a variety of loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans.

AI analysis of Columbia Financial Inc (CLBK)

Hold

Columbia Financial Inc is currently priced at $10.67, which is significantly lower than its 52-week high of $25.83. However, the stock has a high forward P/E ratio of 72.46, indicating that it may be overvalued at this price. The RSI is at 28.73, suggesting it is oversold, which could attract buyers. The main risk is its declining net income trend, with a reported net income of $13.1 million in Q1 2026, down from $15.7 million in Q4 2025.

Analyst Ratings (1)

+59.33% upside
Buy
1 Buy
0 Hold
0 Sell
Current: 10.67
Low
17.00
Average
17.00
High
17.00

Piper Sandler

2026-08-11

Price Target

$14

Overweight

Piper Sandler

2026-03-16

Price Target

$18

Neutral

Brean Capital

2026-03-12

Price Target

$19

Neutral

Piper Sandler

2025-11-24

Price Target

$17

Neutral

Piper Sandler

2024-05-01

Price Target

$17

Hold

Valuation Metrics

The current forward P/E ratio for Columbia Financial Inc (CLBK) is 72.46, compared to its 5-year average forward P/E of 49.77.

Forward P/E

Fair
5Y Average P/E
49.77
Current P/E
72.46
Overvalued
73.58
Undervalued
25.96

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
3.83
Current EV/EBITDA
17.32
Overvalued
14.60
Undervalued
-6.94

Forward P/S

Fair
5Y Average P/S
7.88
Current P/S
5.80
Overvalued
10.14
Undervalued
5.62

Alphio AI Price Scenarios for CLBK

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%CLBK

$16.45

Scenario price

B

Base

Base · 50%CLBK

$14.57

Scenario price

B

Bear

Bear · 25%CLBK

$13.35

Scenario price

Events Timeline

2026-08-05 (ET)

09:00:00

Latest Data Shows Jersey Mike'S Subs Borrow Rate at 38.07%

2026-08-03 (ET)

09:00:00

Latest Data Shows JEPQ Borrow Rate Increases to 18.37%

2026-07-31 (ET)

09:00:00

Significant Increases in Indicative Borrow Rates for Liquid Options

2026-07-30 (ET)

09:00:00

Significant Increases in Borrow Rates for Liquid Options

2026-02-02 (ET)

07:51:00

Columbia Financial to Acquire Northfield Bancorp for Approximately $597M

News

CLBK FAQ — answered by Alphio AI

Columbia Financial, Inc. is the holding company of Columbia Bank. Columbia Bank is a federally chartered savings bank in Fair Lawn, New Jersey that operates approximately 68 full-service banking offices and offers traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and uses those funds to originate a variety of loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans. It operates in the Financials sector (SAVINGS INSTITUTION, FEDERALLY CHARTERED industry).

Columbia Financial Inc is currently priced at $10.67, which is significantly lower than its 52-week high of $25.83. However, the stock has a high forward P/E ratio of 72.46, indicating that it may be overvalued at this price. The RSI is at 28.73, suggesting it is oversold, which could attract buyers. The main risk is its declining net income trend, with a reported net income of $13.1 million in Q1 2026, down from $15.7 million in Q4 2025.

1 analysts cover CLBK: 1 rate it Buy, 0 Hold and 0 Sell. The average price target is 17.00.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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