Columbia Financial Stock Analysis

CLBK Stock  USD 16.23  0.36  2.27%   
Columbia Financial is undervalued with Real Value of 17.81 and Target Price of 19.5. The main objective of Columbia Financial stock analysis is to determine its intrinsic value, which is an estimate of what Columbia Financial is worth, separate from its market price. There are two main types of Columbia Financial's stock analysis: fundamental analysis and technical analysis.
The Columbia Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
  
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Columbia Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide.

Columbia Stock Analysis Notes

About 74.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.54. Some equities with similar Price to Book (P/B) outperform the market in the long run. Columbia Financial recorded a loss per share of 0.11. The entity had not issued any dividends in recent years. Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC. Columbia Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 645 people. For more info on Columbia Financial please contact Thomas Kemly at 800 522 4167 or go to https://www.columbiabankonline.com.

Columbia Financial Quarterly Total Revenue

54.25 Million

Columbia Financial Investment Alerts

Columbia Financial generated a negative expected return over the last 90 days
Columbia Financial has high likelihood to experience some financial distress in the next 2 years
Columbia Financial has a strong financial position based on the latest SEC filings
About 74.0% of the company shares are held by company insiders
Latest headline from news.google.com: Delta Financial Group Inc. Takes 578,000 Position in Columbia Financial, Inc. - MarketBeat

Columbia Financial Upcoming and Recent Events

24th of April 2024
Upcoming Quarterly Report
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24th of July 2024
Next Financial Report
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31st of March 2024
Next Fiscal Quarter End
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23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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Columbia Largest EPS Surprises

Earnings surprises can significantly impact Columbia Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2024-01-25
2023-12-310.070.06-0.0114 
2018-07-27
2018-06-300.10.110.0110 
2023-10-25
2023-09-300.070.090.0228 
View All Earnings Estimates

Columbia Financial Environmental, Social, and Governance (ESG) Scores

Columbia Financial's ESG score is a quantitative measure that evaluates Columbia Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Columbia Financial's operations that may have significant financial implications and affect Columbia Financial's stock price as well as guide investors towards more socially responsible investments.

Columbia Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Bank Of New York Mellon Corp2024-12-31
111.7 K
First Trust Advisors L.p.2024-12-31
98.4 K
Jpmorgan Chase & Co2024-12-31
93.3 K
D. E. Shaw & Co Lp2024-12-31
85.1 K
Nuveen Asset Management, Llc2024-12-31
83.3 K
Norges Bank2024-12-31
82.2 K
Ubs Asset Mgmt Americas Inc2024-12-31
79.6 K
Citadel Advisors Llc2024-12-31
70.1 K
Swiss National Bank2024-12-31
62.3 K
Vanguard Group Inc2024-12-31
2.7 M
Blackrock Inc2024-12-31
2.4 M
Note, although Columbia Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Columbia Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.66 B.

Columbia Profitablity

The company has Profit Margin (PM) of (0.07) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (1.04) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $1.04.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.00  0.01 
Return On Assets 0.00  0.01 
Return On Equity 0.04  0.07 

Management Efficiency

At this time, Columbia Financial's Return On Tangible Assets are quite stable compared to the past year. Return On Assets is expected to rise to 0.01 this year, although the value of Return On Capital Employed will most likely fall to 0. At this time, Columbia Financial's Non Current Liabilities Total is quite stable compared to the past year. Change To Liabilities is expected to rise to about 30.2 M this year, although the value of Total Current Liabilities will most likely fall to about 117.7 M. Columbia Financial's management efficiency ratios could be used to measure how well Columbia Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 9.12  8.66 
Tangible Book Value Per Share 8.04  7.64 
Enterprise Value Over EBITDA-14.8 K-14.1 K
Price Book Value Ratio 2.19  2.65 
Enterprise Value Multiple-14.8 K-14.1 K
Price Fair Value 2.19  2.65 
Enterprise Value2.8 B2.2 B
Columbia Financial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Operating Margin
(1.04)
Profit Margin
(0.07)
Beta
0.21
Return On Assets
(0)
Return On Equity
(0.01)

Technical Drivers

As of the 3rd of March, Columbia Financial shows the Risk Adjusted Performance of (0.08), standard deviation of 1.69, and Mean Deviation of 1.29. Columbia Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Columbia Financial Price Movement Analysis

Execute Study
The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Columbia Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Columbia Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Columbia Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Columbia Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Columbia Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Columbia Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Sorrentini Lucy over a week ago
Acquisition by Sorrentini Lucy of 155 shares of Columbia Financial at 15.38 subject to Rule 16b-3
 
Jennings William Justin over three weeks ago
Acquisition by Jennings William Justin of tradable shares of Columbia Financial at 16.15 subject to Rule 16b-3
 
John Klimowich over a month ago
Acquisition by John Klimowich of tradable shares of Columbia Financial at 15.42 subject to Rule 16b-3
 
Jennings William Justin over a month ago
Acquisition by Jennings William Justin of tradable shares of Columbia Financial at 14.93 subject to Rule 16b-3
 
Allyson Schlesinger over two months ago
Acquisition by Allyson Schlesinger of tradable shares of Columbia Financial at 15.81 subject to Rule 16b-3
 
Jenifer Walden over two months ago
Acquisition by Jenifer Walden of tradable shares of Columbia Financial at 17.41 subject to Rule 16b-3
 
Thomas Kemly over two months ago
Acquisition by Thomas Kemly of 122 shares of Columbia Financial at 16.93 subject to Rule 16b-3
 
John Klimowich over three months ago
Acquisition by John Klimowich of tradable shares of Columbia Financial at 18.23 subject to Rule 16b-3
 
John Klimowich over three months ago
Acquisition by John Klimowich of tradable shares of Columbia Financial at 18.21 subject to Rule 16b-3
 
Randall Elizabeth E. over three months ago
Acquisition by Randall Elizabeth E. of 141 shares of Columbia Financial at 17.41 subject to Rule 16b-3
 
John Klimowich over three months ago
Acquisition by John Klimowich of tradable shares of Columbia Financial at 16.89 subject to Rule 16b-3
 
Manesh Prabhu over three months ago
Disposition of 477 shares by Manesh Prabhu of Columbia Financial at 17.08 subject to Rule 16b-3

Columbia Financial Outstanding Bonds

Columbia Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Columbia Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Columbia bonds can be classified according to their maturity, which is the date when Columbia Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Columbia Financial Predictive Daily Indicators

Columbia Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Columbia Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Columbia Financial Corporate Filings

F4
25th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
11th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
28th of January 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
14th of January 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
31st of December 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
17th of December 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
12th of December 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
5th of December 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Columbia Financial Forecast Models

Columbia Financial's time-series forecasting models are one of many Columbia Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Columbia Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Columbia Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Columbia Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Columbia shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Columbia Financial. By using and applying Columbia Stock analysis, traders can create a robust methodology for identifying Columbia entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.18  0.26 
Operating Profit Margin 0.27  0.50 
Net Profit Margin 0.14  0.18 
Gross Profit Margin 1.63  1.45 

Current Columbia Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Columbia analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Columbia analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
19.5Buy2Odds
Columbia Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Columbia analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Columbia stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Columbia Financial, talking to its executives and customers, or listening to Columbia conference calls.
Columbia Analyst Advice Details

Columbia Stock Analysis Indicators

Columbia Financial stock analysis indicators help investors evaluate how Columbia Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Columbia Financial shares will generate the highest return on investment. By understating and applying Columbia Financial stock analysis, traders can identify Columbia Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow179.2 M
Long Term Debt1.5 B
Common Stock Shares Outstanding102.9 M
Total Stockholder EquityB
Tax Provision10 M
Quarterly Earnings Growth Y O Y-0.33
Property Plant And Equipment Net83.6 M
Cash And Short Term Investments423.2 M
Cash423.2 M
Net Debt1.1 B
50 Day M A15.6924
Total Current Liabilities107.7 M
Other Operating Expenses233.3 M
Non Current Assets Total10.2 B
Forward Price Earnings72.4638
Non Currrent Assets Other8.4 B
Stock Based Compensation12.1 M
When determining whether Columbia Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Columbia Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Columbia Financial Stock. Highlighted below are key reports to facilitate an investment decision about Columbia Financial Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Columbia Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide.
You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Columbia Financial. If investors know Columbia will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Columbia Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.33)
Earnings Share
(0.11)
Revenue Per Share
1.627
Quarterly Revenue Growth
(0.64)
Return On Assets
(0)
The market value of Columbia Financial is measured differently than its book value, which is the value of Columbia that is recorded on the company's balance sheet. Investors also form their own opinion of Columbia Financial's value that differs from its market value or its book value, called intrinsic value, which is Columbia Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Columbia Financial's market value can be influenced by many factors that don't directly affect Columbia Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Columbia Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Columbia Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Columbia Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.