CLBK$15.25
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Performance
Key Stats
AI CLBK Summary
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Powered by LiveAIOverall Analysis
NeutralCLBK shows mixed signals. While its financial health is solid with manageable debt and positive cash flow, profitability has declined recently. Technical indicators are predominantly bearish, suggesting potential downside risk in the short term. Thematic positioning is not readily apparent from the provided data.
Thematic
No specific thematic drivers are explicitly mentioned in the provided data. The company operates in banking and financial services, which are generally stable but not strongly tied to emerging growth themes based on the current information.
Fundamental
CLBK demonstrates good balance sheet health with manageable debt and positive cash flow. However, profitability has recently turned negative, and revenue growth has slowed. Valuation metrics are mixed, with a high P/E when profitable but negative earnings currently.
Technical
The stock is experiencing a significant downtrend across multiple timeframes. Key moving averages are aligned bearishly, and most oscillators are signaling sell or are in oversold territory, indicating strong downward momentum.
| Factor | Score |
|---|---|
| Industry Trends | 50 |
| Digital Transformation | 40 |
| Economic Sensitivity | 30 |
| Factor | Score |
|---|---|
| Valuation | 30 |
| Profitability | 20 |
| Growth | 25 |
| Balance Sheet Health | 75 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 10 |
| Momentum | 40 |
| Volume Confirmation | 40 |
| Support & Resistance | 50 |
| Short-term Momentum | 30 |
AI Investing Checklist
Powered by LiveAIBullish Points (5)
Positive Earnings Surprises
The company has a history of positive earnings surprises, with reported EPS exceeding estimates in 6 out of the last 8 quarters. The latest quarter (2024 Q3) reported EPS of $0.04 against an estimate of $0.04 with a surprise of 14.29%.
Undervalued Relative to Revenue
The Price-to-Sales (P/S) ratio is 11.2, which might seem high, but considering the revenue growth and industry, it could be seen as a sign of potential undervaluation if future revenue targets are met.
Bearish Points (8)
Recent Net Loss
The company reported a net loss of -$11.65 million for the period ending 2024Q4, with a negative net margin of -6.5%, indicating profitability challenges.
High P/E Ratio on Recent Earnings
The trailing P/E ratio is -247.4, and the forward P/E (2024 estimate) is -142.4, reflecting significant losses and making traditional P/E valuation difficult.
Calendar
July 2025
31
Next Earnings Date
H: $0.11
A: $0.10
L: $0.10
H: 53.40M
A: 53.20M
L: 53.00M
Profile
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.
Seasonals
Price Target
17.00 USD
The 39 analysts offering 1 year price forecasts for CLBK have a max estimate of 18.00 and a min estimate of 16.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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