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CLBKColumbia Financial, Inc.
$21.17$2.2B
Overview & Verdict
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CLBK logoColumbia Financial, Inc.(CLBK)Earnings, Financials & Key Ratios

CLBK•NASDAQ•Banking & Credit
$21.27
41.7× P/E·Price updated Jul 2, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutColumbia 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 more
  • Net Interest Income$233M+36.6%
  • Total Revenue$507M+11.9%
  • Net Income$52M+544.2%
  • Return on Equity4.62%+520.4%
  • Net Interest Margin2.11%+29.9%
  • Efficiency Ratio38.4%-4.0%
  • ROA0.48%+536.7%
  • Equity / Assets10.53%+2.1%
  • Book Value per Share11.44+7.9%

CLBK Price & Volume

Columbia Financial, Inc. (CLBK) stock price & volume — 10-year historical chart

Loading chart...

Strategic Asset Expansion Amidst Persistent Margin Constraints

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and liquidity

Key Thesis Takeaways

  • Columbia Financial is leveraging its Mutual Holding Company structure to prioritize long-term balance sheet growth, as evidenced by total assets reaching $11.0 billion in 2026Q1.
  • While the bank has successfully scaled its regional footprint through acquisitions, investors should monitor the persistent 0.5% net interest margin which suggests ongoing pressure from funding costs.
  • The firm's commitment to capital retention, evidenced by a zero-dividend policy, provides a stable foundation, though the significant concentration in a $9.9 billion investment securities portfolio warrants caution regarding duration risk.

Verdict Logic

while the bank shows a 24% year-over-year growth in net interest income, the current 40.90 P/E TTM and stagnant 0.5% net interest margin suggest limited near-term upside for investors.

CLBK Growth Metrics

Columbia Financial, Inc. (CLBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years9.24%
3 Years14.27%
TTM-

Profit CAGR

10 Years-
5 Years-2.11%
3 Years-15.62%
TTM3602.19%

EPS CAGR

10 Years-
5 Years-0.39%
3 Years-14.29%
TTM2611.42%

Return on Capital

10 Years3.45%
5 Years3.3%
3 Years0.88%
Last Year1.43%

CLBK Recent Earnings

Columbia Financial, Inc. (CLBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 20, 2026
Metric
Actual
Est
EPS
$0.15-6.3%
$0.16
Rev
$67M+8.9%
$62M
Q1 2026
Feb 2, 2026
Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$69M+12.9%
$61M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$0.15+15.4%
$0.13
Rev
$81M+36.1%
$59M
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$0.12+9.1%
$0.11
Rev
$64M+15.3%
$55M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.15vs $0.16-6.3%
$67Mvs $62M+8.9%
Q1 2026Feb 2, 2026
$0.15vs $0.15+0.0%
$69Mvs $61M+12.9%
Q4 2025Oct 20, 2025
$0.15vs $0.13+15.4%
$81Mvs $59M+36.1%
Q3 2025Jul 30, 2025
$0.12vs $0.11+9.1%
$64Mvs $55M+15.3%
Based on last 12 quarters of dataView full earnings history →

Latest CLBK News

Recent stock market news and headlines for Columbia Financial, Inc. (CLBK)

Globe News Wire·5 days ago
Columbia Financial, Inc. Announces Receipt of Stockholder and Depositor Approvals of Pending Second Step Conversion and Updated Results of Subscription Offering

FAIR LAWN, N. J. , July 01, 2026 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (NASDAQ: CLBK), a Delaware corporation and the mid-tier holding company for Columbia Bank (the "Holding Company"), announced today that at its Annual Meeting of Stockholders held on June 25, 2026, its stockholders approved the Plan of Conversion and Reorganization whereby Columbia Bank MHC, the mutual holding company of the Holding Company and the Bank, will convert from mutual holding company form to the fully public stock holding company form (the "Conversion"), and approved its acquisition of Northfield Bancorp, Inc.

GlobeNewsWire·5 days ago
Columbia Financial, Inc. Announces Receipt of Stockholder and Depositor Approvals of Pending Second Step Conversion and Updated Results of Subscription Offering

FAIR LAWN, N.J., July 01, 2026 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (NASDAQ: CLBK), a Delaware corporation and the mid-tier holding company for Columbia Bank (the “Holding Company”), announced today that at its Annual Meeting of Stockholders held on June 25, 2026, its stockholders approved the Plan of Conversion and Reorganization whereby Columbia Bank MHC, the mutual holding company of the Holding Company and the Bank, will convert from mutual holding company form to the fully public stock holding company form (the “Conversion”), and approved its acquisition of Northfield Bancorp, Inc. (“Northfield”), which will occur simultaneously upon completion of the Conversion. In addition, at a Special Meeting of Members of Columbia Bank MHC held on June 29, 2026, the depositors of the Bank approved the Conversion.

GlobeNewsWire·Jun 23, 2026
Columbia Financial, Inc. Announces Preliminary Subscription Offering Results and Increase in Maximum Purchase Limits

FAIR LAWN, N.J., June 23, 2026 (GLOBE NEWSWIRE) -- Columbia Financial, Inc. (“Columbia”) (NASDAQ: CLBK), a Delaware corporation and the mid-tier holding company for Columbia Bank, announced today, on a preliminary basis, that Columbia Financial, Inc., a Maryland corporation and the proposed successor to Columbia, received over 5,000 orders representing approximately $925 million in the subscription offering that expired on June 16, 2026 in connection with the “second-step” conversion of Columbia Bank MHC from mutual to stock form.

Peers Comparison

Key metrics vs top competitors for Columbia Financial, Inc. (CLBK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CLBK logoCLBKColumbia Financial, Inc.Current
$21.27$2.21B41.7111.94%10.2%4.62%—
NBTB logoNBTBNBT Bancorp Inc.
$50.25$2.61B15.0910.36%19.66%9.83%—
KRNY logoKRNYKearny Financial Corp.
$9.54$600.38M22.715.09%10.39%4.75%—
OCFC logoOCFCOceanFirst Financial Corp.
$19.62$1.13B16.77-4.7%10.55%4.22%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$14.91$622.7M753.03-26.69%1.79%0.68%—
WSFS logoWSFSWSFS Financial Corporation
$78.47$4.08B15.42-3.05%22.64%11.38%—

Compare CLBK vs Peers

Columbia Financial, Inc. (CLBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CLBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CLBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, KRNY, OCFC, NFBK

CLBK SEC Filings & Documents

Columbia Financial, Inc. (CLBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 15, 2026·SEC

Material company update

May 11, 2026·SEC

Material company update

Apr 27, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 6, 2026·SEC

10-Q Quarterly Reports

4
FY 2026

May 11, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CLBK Frequently Asked Questions

Columbia Financial, Inc. (CLBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Columbia Financial, Inc. growing?

Columbia Financial, Inc. (CLBK) grew revenue by 11.9% over the past year. This is steady growth.

Is CLBK profitable?

Yes, Columbia Financial, Inc. (CLBK) is profitable, generating $56.0M in net income for fiscal year 2025 (10.2% net margin).

Dividend & Returns
What is CLBK's return on equity?

Columbia Financial, Inc. (CLBK) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.

Industry Metrics
What is Columbia Financial, Inc.'s net interest margin?

Columbia Financial, Inc. (CLBK) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.

What is Columbia Financial, Inc.'s efficiency ratio?

Columbia Financial, Inc. (CLBK) has an efficiency ratio of 38.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CLBK back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →