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CLCLBK

Columbia Financial, Inc.

$CLBK·$1.2B·Banks - Regional·Financial Services
$11.08-54.8%YTD-29.1%1Y-25.9%
Mentions · last 7 days
2026-07-15: 1 posts2026-07-16: 2 posts2026-07-17: 11 posts2026-07-18: 1 posts2026-07-19: 1 posts2026-07-20: 20 posts2026-07-21: 33 posts69
Price updated 3h ago·X counts updated 3h ago
CLCLBK
$CLBKColumbia Financial, Inc.
$11.08-54.78%69 posts
AI analysisFundamentalsVoices on X
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What it does

Plain-English summary of the business — what they sell and how they make money.

Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit. The company's extensive lending portfolio features financing for multifamily and commercial properties, business operations, residential homes (one-to-four family), construction projects, and home equity. Additionally, it extends consumer loans for purposes such as automobiles and personal use, alongside unsecured credit lines and overdraft protection. Beyond traditional banking, Columbia Financial also provides title insurance, wealth management services, and sophisticated cash management tools like remote deposit, lockbox services, and sweep accounts. Established in 1927 and headquartered in Fair Lawn, New Jersey, the firm maintained a significant physical presence as of December 31, 2021, with 62 full-service banking locations spread across 12 New Jersey counties, complemented by two additional branches in Freehold, New Jersey. Columbia Financial, Inc. operates as a subsidiary under the umbrella of Columbia Bank MHC.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CLBK.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+17.1%YTD
+20.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
20.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
13.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
4.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
51.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 20, 2026$0.15$0.16-6.3%
Q4 2025Feb 2, 2026$0.15$0.150.0%
Q3 2025Oct 20, 2025$0.15$0.13+15.4%
Q2 2025Jul 30, 2025$0.12$0.11+9.1%
Next earningsWed, Jul 29·consensus EPS $0.16

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$122.0M+1.1%51.3%15.3%$0.13$1.3M
Q4 FY25$130.4M+45.1%51.4%15.3%$0.15$22.0M
Q3 FY25$129.7M+3.9%54.5%9.0%$0.15$28.1M
Q2 FY25$126.7M+3.4%48.5%13.0%$0.12$12.9M

Forward consensus

2-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$407.5M$407.3M – $407.8M$0.74$0.73 – $0.751
FY27$552.1M$541.2M – $563.0M$0.77$0.76 – $0.782

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