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Columbia Financial, Inc. (CLBK) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Columbia Financial, Inc.

CLBKMarket cap $2.91BPrice $10.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs Columbia Bank, a New Jersey-based community lender serving retail and commercial customers across the state. It's one of the largest mutual holding company conversions in banking history, giving it a capital cushion many regional peers lack.

In Bastion Portfolios?

52W Return-21%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-5%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+30%–

Rev CAGR (5y)+18%9

Earnings Forecast

EPS Growth Y+1-21%2

EPS Growth Y+2+83%10

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%3

Net Income Margin22%8

Free Cash Flow Margin26%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE5%3

ROA1%2

Earnings Stability22

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)185

P/E Ratio (Forward 3y)145

P/BV2.46

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yield0.0%2

Dividend Yield1.9%5

Momentum

Short term

1 month return-7%4

3 month return+15%9

YTD return+54%9

Mid term

Price vs 52wHigh90%8

1 year return+60%9

Long term

3 year return+48%5

5 year return+27%5

Risk Shield

Price Risk

Beta0.76

Volatility28%8

Free Cash Flow

Free Cash Flow Margin26%9

Free Cash Flow Yield0.0%2

Quality

ROCE4%2

Earnings Stability22

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CLBKColumbia Financial

Revenue FY25$249M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+30%–

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-21%2

EPS growth, FY27E+83%10

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 30%/yr over the next 3 years, ahead of most of the market.9/10

After shrinking over the last 3 years, revenue is set to grow 30%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 8%/yr vs revenue 30%/yr), so margins are under pressure. One year dips: EPS falls 21% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+15%9

YTD return+54%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+60%9

3-year return+48%5

5-year return+27%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 60% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+15%) and so far this year (+54%).

WATCH

Average long-term results. Multi-year returns are middling (+48% over three years and +27% over five), roughly average for the market.

Returns sit at the market level over the past month (-7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Columbia Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CLBKColumbia Financial

Revenue FY25$249M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+30%–

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-21%2

EPS growth, FY27E+83%10

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 30%/yr over the next 3 years, ahead of most of the market.9/10

After shrinking over the last 3 years, revenue is set to grow 30%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 8%/yr vs revenue 30%/yr), so margins are under pressure. One year dips: EPS falls 21% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+15%9

YTD return+54%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+60%9

3-year return+48%5

5-year return+27%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 60% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+15%) and so far this year (+54%).

WATCH

Average long-term results. Multi-year returns are middling (+48% over three years and +27% over five), roughly average for the market.

Returns sit at the market level over the past month (-7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Columbia Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community