What is Columbia Financial, Inc.'s (CLBK) StockRank?

MoatMap's StockRank for Columbia Financial, Inc. (CLBK) is 40/100, with a Hold signal. This is a composite score combining Quality (44), Value (17), and Momentum (72) factor ranks across MoatMap's 20,000+ stock universe.

Does Columbia Financial, Inc. have an economic moat?

Columbia Financial, Inc. (CLBK) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Columbia Financial, Inc. a buy, hold, or sell?

MoatMap's current signal for Columbia Financial, Inc. (CLBK) is Hold, based on a StockRank of 40/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Columbia Financial, Inc. in?

Columbia Financial, Inc. (CLBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

CLBK

HOLD

Columbia Financial, Inc. · Financial Services · United States · $1.1B · Avg Vol: $61M/d

StockRank

Get insider-trade alerts

P/E (TTM)

42.2x

ROE

4.9%

D/E

1.0x

Dividend %

—

COMPANY DESCRIPTION

Columbia Financial, Inc. is the holding company for Columbia Bank, a community bank offering a full range of traditional banking services to consumers and businesses in New Jersey. The bank's competitive strength lies in its deep community ties, personalized customer service, and strong local market knowledge, fostering enduring client relationships. It operates as a relationship-driven community financial institution, emphasizing organic growth within its established geographic footprint.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	297.2M	233.3M	179.9M	258.7M	-4.5%	259.2M	405.1M	591.9M	51.3%
EPS	0.82	0.35	-0.11	0.51	-14.6%	0.58	0.73	0.76	22.4%
Shares	109.0M	104.9M	104.8M	104.0M	-4.6%	104.1M	—	—	—
Debt	1.1B	1.5B	1.1B	1.2B	1.6%	1.3B	—	—	—
Equity	1.1B	1.0B	1.1B	1.2B	3.3%	—	—	—	—
Op CF	142.2M	40.7M	33.3M	68.4M	-21.6%	73.1M	—	—	—
Inv CF	-614.7M	39.6M	39.5M	-454.2M	—	—	—	—	—
Fin CF	580.8M	163.7M	-206.8M	437.3M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-47.5%

SMA 50SMA 200

$10.88

RSI (14)

73.7

52W High

$11.74

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*23.3

ROE

4.9%26.0

GP/Assets

2.4%N/A

Op. Margin

33.4%51.9

FCF/Assets

0.6%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

1.02xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

42.2x8.1

EV/EBITDA

bankN/A

P/FCF

17.6xN/A

P/B

2.2x22.2

P/S

9.8x18.1

Div Yield

—N/A

Momentum

52W High %

93%49.2

RS 6M

38%96.6

SMA 50/200

1.17x91.4

EPS Rev 4W

0.0%69.8

EPS Rev 12W

0.0%55.6

EPS Improve

+34%62.8

Q Growth

47%73.7

FUNDAMENTALS

Market Cap

$1.1B

P/E (Forward)

31.4x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CLBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CLBK	Columbia Financial, Inc.(you)	$1.1B	40	HOLD
EQBK	Equity Bancshares, Inc.	$1.0B	39	HOLD
ESQ	Esquire Financial Holdings, Inc.	$1.0B	37	HOLD
HBNC	Horizon Bancorp, Inc.	$1.0B	32	SELL
FSUN	FirstSun Capital Bancorp	$1.6B	44	HOLD
MCB	Metropolitan Bank Holding Corp.	$1.1B	51	HOLD
TFIN	Triumph Financial, Inc.	$1.8B	37	HOLD
OCFC	OceanFirst Financial Corp.	$1.7B	44	HOLD
EGBN	Eagle Bancorp, Inc.	$867M	32	SELL
NBBK	NB Bancorp, Inc.	$983M	52	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$10.88
Market Cap	$1.1B
P/E (TTM)	42.24
P/E (Forward)	31.41
Price/Book	2.17
Return on Equity	4.9%
Debt/Equity	1.02x
Operating Margin	33.4%
Revenue Growth	18.5%
Free Cash Flow	$64M