Download PDF

1. Company Snapshot

1.a. Company 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.

Show Full description

1.b. Last Insights on CLBK

Columbia Financial's recent performance was negatively impacted by a pre-tax loss on the sale of securities and extinguishment of debt, totaling $37.9 million, resulting from a balance sheet repositioning transaction. This transaction, aimed at improving future earnings and expanding the net interest margin, involved selling $352.3 million of debt securities and using the proceeds to fund loan growth and purchase higher-yielding debt securities. The company's higher provision for credit losses and lower non-interest income also contributed to the net loss.

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

3. NewsRoom

Card image cap

Columbia Financial $CLBK Shares Purchased by Creative Planning

Nov -27

Card image cap

Columbia Financial (CLBK) Upgraded to Buy: What Does It Mean for the Stock?

Oct -22

Card image cap

Columbia Financial (NASDAQ:CLBK) Trading 6.4% Higher Following Earnings Beat

Oct -22

Card image cap

Why Columbia Financial Rallied on Tuesday

Oct -21

Card image cap

Columbia Financial (CLBK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Oct -20

Card image cap

Columbia Financial (CLBK) Beats Q3 Earnings and Revenue Estimates

Oct -20

Card image cap

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2025

Oct -20

Card image cap

Columbia Financial, Inc. Announces Seventh Stock Repurchase Program

Sep -08

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.43%)

6. Segments

Banking and Related Activities

Expected Growth: 7.43%

Columbia Financial, Inc.'s 7.43% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, improved operating efficiency, enhanced digital banking capabilities, and a favorable interest rate environment have contributed to the segment's growth.

7. Detailed Products

Commercial Banking

Columbia Financial, Inc. offers a range of commercial banking services, including cash management, lending, and treasury management solutions to help businesses manage their finances effectively.

Consumer Banking

Columbia Financial, Inc. provides consumer banking services, including checking and savings accounts, credit cards, personal loans, and mortgages to help individuals manage their personal finances.

Wealth Management

Columbia Financial, Inc. offers wealth management services, including investment management, financial planning, and retirement planning to help individuals and families achieve their long-term financial goals.

Mortgage Banking

Columbia Financial, Inc. provides mortgage banking services, including residential and commercial mortgage lending, to help individuals and businesses finance their real estate needs.

Treasury Management

Columbia Financial, Inc. offers treasury management services, including cash management, foreign exchange, and trade finance to help businesses manage their working capital and optimize their financial performance.

8. Columbia Financial, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Columbia Financial, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.

Bargaining Power Of Customers

Columbia Financial, Inc. has a large customer base, but the bargaining power of customers is high due to the availability of alternative financial services providers.

Bargaining Power Of Suppliers

Columbia Financial, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers.

Threat Of New Entrants

The threat of new entrants in the financial services industry is moderate, as there are barriers to entry such as regulatory requirements and capital requirements.

Intensity Of Rivalry

The financial services industry is highly competitive, with many established players competing for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 59.57%
Debt Cost 5.01%
Equity Weight 40.43%
Equity Cost 5.01%
WACC 5.01%
Leverage 147.35%

11. Quality Control: Columbia Financial, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Rhinebeck Bancorp

A-Score: 4.7/10

Value: 7.5

Growth: 1.7

Quality: 3.5

Yield: 0.0

Momentum: 8.5

Volatility: 7.0

1-Year Total Return ->

Stock-Card
John Marshall Bancorp

A-Score: 4.7/10

Value: 5.7

Growth: 4.7

Quality: 6.1

Yield: 2.0

Momentum: 4.0

Volatility: 5.7

1-Year Total Return ->

Stock-Card
Blue Ridge Bankshares

A-Score: 4.1/10

Value: 2.6

Growth: 1.4

Quality: 4.2

Yield: 2.0

Momentum: 9.0

Volatility: 5.3

1-Year Total Return ->

Stock-Card
CFSB Bancorp

A-Score: 3.8/10

Value: 3.4

Growth: 1.9

Quality: 5.3

Yield: 0.0

Momentum: 10.0

Volatility: 2.0

1-Year Total Return ->

Stock-Card
Patriot National Bancorp

A-Score: 3.0/10

Value: 8.2

Growth: 1.3

Quality: 2.8

Yield: 0.0

Momentum: 5.5

Volatility: 0.3

1-Year Total Return ->

Stock-Card
Columbia Financial

A-Score: 3.0/10

Value: 1.8

Growth: 3.7

Quality: 4.1

Yield: 0.0

Momentum: 1.5

Volatility: 6.7

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

16.76$

Current Price

16.76$

Potential

-0.00%

Expected Cash-Flows