Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CLBK
HoldHot AirColumbia Financial, Inc. · Financial Services · United States · $1.2B · Avg Vol: $50M/d
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% | 267.2M | 405.1M | 587.2M | 50.7% |
| EPS | 0.82 | 0.35 | -0.11 | 0.51 | -14.6% | 0.55 | 0.50 | 0.63 | 11.5% |
| Shares | 109.0M | 104.9M | 104.8M | 104.0M | -4.6% | 104.1M | — | — | — |
| Debt | 1.1B | 1.5B | 1.1B | 1.2B | 1.6% | 1.2B | — | — | — |
| Equity | 1.1B | 1.0B | 1.1B | 1.2B | 3.3% | — | — | — | — |
| Op CF | 142.2M | 40.7M | 33.3M | 68.4M | -21.6% | 78.4M | — | — | — |
| Inv CF | -614.7M | 39.6M | 39.5M | -454.2M | — | — | — | — | — |
| Fin CF | 580.8M | 163.7M | -206.8M | 437.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
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) | $1.2B | 53 | Hold |
| MCB | Metropolitan Bank Holding Corp. | $1.1B | 50 | Hold |
| HFWA | Heritage Financial Corporation | $1.2B | 56 | Hold |
| WABC | Westamerica Bancorporation | $1.3B | 55 | Hold |
| AMTB | Amerant Bancorp Inc. | $1.1B | 56 | Hold |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 54 | Hold |
| LKFN | Lakeland Financial Corporation | $1.5B | 52 | Hold |
| TRST | TrustCo Bank Corp NY | $973M | 55 | Hold |
| BFC | Bank First Corporation | $1.7B | 53 | Hold |
| SBSI | Southside Bancshares, Inc. | $950M | 49 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%