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Home CompaniesColumbia Financial Inc

Columbia Financial Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
11.06 USD -0.09 ( 0.81%)
Last update at 2026-11-03T21:00:00Z
VOLUME
4197683
Market Cap
1199.79M
P/E
20.59

Momentum Score

…

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. was formerly a subsidiary of Columbia Bank MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
11.03
Low
11.23
High
52 Week Price Range
6.18
Low
12.00
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Columbia Financial, Inc. is a bank holding company whose regional community bank provides deposit, mortgage and commercial lending services. Long-term growth drivers may include net interest margin expansion, loan growth linked to local economic activity and fee income from mortgage and treasury services, while digital investment could improve customer retention. Investors may find the company attractive for its regional franchise and potential to benefit from higher interest rates.
Key risks are credit deterioration, margin sensitivity to rate moves, deposit competition and regional concentration, and regulatory or operational constraints.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
11.15
Dividend Yield
-
Revenue TTM
267.23M
Revenue Per Share
1.20
Gross Profit TTM
267.23M
Debt / Equity
1.02
ROE
5.02%
Net Debt
842.78M
ROCE
0.99%
Diluted EPS TTM
0.56

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 60.16M -15.91M 46.05M 116.88M 126.18M
Net income 51.77M -11.65M 36.09M 86.17M 92.05M
Selling general administrative 70.20M 117.07M 129.49M 119.52M 101.91M
Selling and marketing expenses 4.34M 2.51M 2.81M 2.87M 2.36M
Gross profit 255.00M 165.43M 228.47M 297.18M 271.96M
Reconciled depreciation 15.03M 14.56M 14.27M 13.35M 11.64M
Ebit 60.16M -15.91M 46.05M 146.42M 126.18M
Ebitda 68.86M -1.35M 60.32M 159.77M 137.82M
Depreciation and amortization 8.71M 14.56M 14.27M 13.35M 11.64M
Operating income 60.16M -15.91M 46.05M 146.42M 126.18M
Other operating expenses 447.28M 469.23M 376.31M 11.02M 145.78M
Interest expense 235.40M 273.44M 189.10M 42.89M 36.59M
Tax provision 16.22M -4.26M 9.96M 30.70M 34.13M
Interest income 465.60M 443.82M 389.79M 307.95M 267.68M
Net interest income 216.28M 170.38M 200.68M 265.06M 231.10M
Income tax expense 8.39M -4.26M 9.96M 30.70M 34.13M
Total revenue 507.44M 453.32M 422.36M 297.18M 271.96M
Total operating expenses 194.84M 181.34M 182.42M 11.02M -145.78M
Cost of revenue 252.44M 287.89M 193.89M - -
Total other income expense net - -5.11M -9.54M -29.54M -36.59M
Net income from continuing ops 51.77M -11.65M 36.09M 86.17M 92.05M
Net income applicable to common shares - - - 86.17M 92.05M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 11018.79M 10475.49M 10766.97M 10408.17M 9224.10M
Intangible assets 9.59M 10.29M 12.63M 14.43M 6.37M
Other current assets - - 462.59M 6296.13M 5114.30M
Total liab 9858.07M 9395.12M 9797.05M 9354.57M 377.31M
Total stockholder equity 1160.73M 1080.38M 1040.34M 1053.60M 1079.08M
Other current liab 4968.30M 8096.15M 4659.35M 8001.16M 7570.22M
Common stock -26.62M 1.31M 1.31M 1.31M 1.25M
Capital stock 1.32M 1.31M 1.31M 1.31M 1.25M
Retained earnings 933.72M 881.95M 893.60M 857.52M 765.13M
Other liab - - - 79.86M 36.47M
Good will 110.72M 110.72M 110.72M 110.72M 85.32M
Other assets 2208.40M 2086.14M - 6903.85M 5114.30M
Cash 340.69M 289.22M 423.25M 179.23M 70.96M
Total current liabilities 4968.30M 8096.15M 5570.55M 8182.07M 429.73M
Net debt 842.78M 791.38M 1121.98M 947.82M 306.35M
Short term debt - 500.79M 911.20M - 429.73M
Short long term debt total 1183.47M 1080.60M 1545.23M 1127.05M 377.31M
Other stockholder equity 1160.73M 307.48M 334.37M 374.06M 358.62M
Property plant equipment - - - 83.88M 78.71M
Total current assets 382.19M 1102.23M 462.59M 1541.76M 1803.11M
Long term investments 1525.05M 1425.46M 1498.79M 1753.54M 2136.29M
Net tangible assets - - - 928.45M 988.54M
Short term investments 0.11M 772.63M 1093.56M 1328.63M 1703.85M
Net receivables 41.49M 40.38M 39.34M 33.90M 28.30M
Long term debt 1183.47M 1080.60M 1528.69M 1127.05M 377.31M
Inventory - - -1556.15M - -
Accounts payable - - - 180.91M 7570.22M
Accumulated other comprehensive income -75.97M -110.37M -188.95M -179.30M -45.92M
Common stock total equity - - - 1.31M 1.25M
Retained earnings total equity - - - 857.52M 765.13M
Treasury stock - - - -371.71M -271.65M
Non currrent assets other 618.75M 660.68M 9876.02M -1962.56M -2306.69M
Non current assets total 10636.61M 9373.26M 10304.37M 1962.56M 2306.69M
Long term debt total - - - 1127.05M 377.31M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -43.62M 39.47M -218.06M -751.09M -461.71M
Change to liabilities - - - 25.00M 1.93M
Total cashflows from investing activities -454.16M 39.47M 39.65M -614.73M -443.61M
Net borrowings 102.87M -451.54M 401.35M 743.98M -483.82M
Total cash from financing activities 437.35M -206.81M 163.66M 580.83M -7.09M
Change to operating activities - - - 15.08M -20.23M
Net income 51.77M -11.65M 36.09M 86.17M 92.05M
Change in cash 51.58M -134.03M 244.02M 108.27M -351.99M
Begin period cash flow 289.22M 423.25M 179.23M 70.96M 422.96M
End period cash flow 340.81M 289.22M 423.25M 179.23M 70.96M
Total cash from operating activities 68.40M 33.32M 40.72M 142.16M 98.70M
Issuance of capital stock 0.00M 0.00M 0.01M - 0.00M
Depreciation 15.03M 14.56M 14.27M 13.35M 11.64M
Other cashflows from investing activities -399.30M -35.72M -226.20M 143.57M 23.60M
Dividends paid - - - - 0.90M
Change to account receivables -1.11M -1.04M -5.45M -4.69M 2.02M
Sale purchase of stock -13.79M -6.71M -81.12M -98.61M -108.13M
Other cashflows from financing activities 347.83M 251.44M -156.58M 715.54M 407.79M
Change to netincome - - - 22.97M 7.09M
Capital expenditures 9.84M 7.45M 7.63M 7.20M 5.49M
Change receivables - - - -4.69M 2.02M
Cash flows other operating - - - -5.43M -18.73M
Cash and cash equivalents changes - - - 108.27M -351.99M
Change in working capital -22.59M -20.90M -36.20M 10.39M -18.21M
Stock based compensation 8.15M 10.30M 12.07M 12.29M 12.93M
Other non cash items 1.89M 47.00M 11.11M 7.18M -17.42M
Free cash flow 58.56M 25.88M 33.08M 134.95M 93.21M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CLBK
Columbia Financial Inc		 -0.09
0.81%		 11.06 20.59 72.46 4.49 1.01 9.10
DBSDY
DBS Group Holdings Ltd ADR		 -2.95
1.31%		 221.60 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.72
2.15%		 33.05 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 1.29
1.58%		 82.76 11.53 10.27 5.72 1.83 8.22

Profile*

Columbia Financial Inc

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. was formerly a subsidiary of Columbia Bank MHC.

19-01 Route 208 North, Fair Lawn, NJ, United States, 07410

800 522 4167

https://www.columbiabankonline.com

749

Name Title Year Born
Ms. Jenifer W. Walden Exec. VP & Chief HR Officer NA
Mr. Thomas J. Kemly Pres, CEO & Director 1958
Mr. Dennis E. Gibney C.F.A., CFA Exec. VP & CFO 1974
Mr. Edward Thomas Allen Jr. Sr. Exec. VP & COO 1957
Mr. John Klimowich Exec. VP & Chief Risk Officer 1963
Ms. Allyson Katz Schlesinger Exec. VP & Head of Consumer Banking 1972
Mr. Oliver Edward Lewis Jr. Exec. VP & Head of Commercial Banking 1965
Mr. Manesh Balachandran Prabhu Exec. VP & Chief Information Officer NA
Mr. W. Justin Jennings Exec. VP & Operations Officer 1982
Mr. Matthew William Rickert Exec. VP & Chief Credit Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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