undamentalytics Newsletter
Sign in

Columbia Financial, Inc. (CLBK) stock

Add to watchlist

Add holding +

NASDAQ: CLBK Nasdaq Regional Banks Next results ~November 3, 2026

Columbia Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

Loading chart…

Third-party market data · may be delayed

Model estimate per share

~$7.5

Forward price-to-earnings vs peers

Base case. Range ~$7.1–$9.0. Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings.

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Columbia Financial, Inc. valuation: adjust assumptions and compare models →

The Fundamentalytics view

Next results ~November 3, 2026 (estimated)

Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 15% in the quarter to 2026-09-30, the 2nd beat in the last four quarters.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Estimates rising. Analysts' consensus for next year's earnings per share has risen 117.2% over 90 days.

Things to watch

  • Heavily shorted. 11.8% of the shares available to trade are sold short (4.9 days of average volume to cover).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 2 of the last four quarters.

Latest results

Earnings per share
$0.17 against an average estimate of $0.15: beat by 14.6%
Share reaction
+3.5% in the first session after the results on October 29, 2026, against -2.1% for the S&P 500
Guidance given
additional interest income over the next twelve months $9.3m (next twelve months)
Next report
November 3, 2026; average EPS estimate $0.17

Columbia Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+1.0%
  • 1 week+2.4%
  • 1 month-2.3%
  • This year+58.6%
  • 1 year+67.1%
  • 5 years+27.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Earnings

Last results
October 29, 2026

News & updates

Updated November 1, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Guidance
  3. Results
  4. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Columbia Financial, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Columbia Financial, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.76 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: no twelve-month earnings or share count in the filings yet
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: no twelve-month earnings or share count in the filings yet
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. — Does not apply: no twelve-month earnings or share count in the filings yet
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. — Does not apply: no twelve-month earnings or share count in the filings yet
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$7.5 ~$7.1–$9.0 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: no twelve-month earnings or share count in the filings yet
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$7.5 ~$7.1–$9.0 1 model

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Columbia Financial, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 3, 2026, after the close. Analysts expect revenue of $121m and EPS of $0.17 (range $0.15 to $0.18) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $0.61 +159% $347m +57%
Next $0.77 +26% $503m +45%

Next year's EPS estimate has moved +117.2% in 90 days, across 3 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +82.3% on 90 days ago. In the last 30 days, 1 analyst raised Columbia Financial, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Columbia Financial, Inc., last 90 days
$0.20 $0.40 $0.60 $0.80 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $0.34 Current fiscal year, 60 days ago: $0.34 Current fiscal year, 30 days ago: $0.61 Current fiscal year, 7 days ago: $0.61 Current fiscal year, Now: $0.61 $0.61 Next fiscal year, 90 days ago: $0.35 Next fiscal year, 60 days ago: $0.35 Next fiscal year, 30 days ago: $0.77 Next fiscal year, 7 days ago: $0.77 Next fiscal year, Now: $0.77 $0.77

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $0.34$0.35
60 days ago $0.34$0.35
30 days ago $0.61$0.77
7 days ago $0.61$0.77
Now $0.61$0.77

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.15 $0.17 +14.6%
Jun 2026 $0.07 $0.07 0.0%
Mar 2026 $0.07 $0.07 −5.4%
Dec 2025 $0.07 $0.07 +4.5%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 29, 2026
  • additional interest income over the next twelve months about $9.3m
    “The yield on the securities purchased was 445 basis points higher than the securities sold, with lower average lives and duration, and the Company currently expects to earn approximately $9.3 million in additional interest income over the next twelve months as a result of this transaction.” source

Figures and quotations are management's, copied from the company's own press release (SEC 8-K exhibit) and checked word for word against it. Forward-looking statements are the company's expectations, not ours and not advice; guidance can change or be missed.

Analyst recommendations

3 analysts, Oct 2026
Buy3100%
Hold00%
Sell00%

Monthly trend

  1. Oct 2026213
  2. Sep 2026213

Counts of recommendations published by analysts covering Columbia Financial, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
11.8%
of tradable shares
Days to cover
4.86
at average volume
Short interest, 1 month
+17%
to October 15, 2026
Held by institutions
9%
of shares
Held by insiders
29.4%
of shares
Employees
749
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
CLBK+34%+4%−11%−18%−2%+59%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CLBK58%58%50%42%42%73%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CLBK−12%−17%−34%−28%−20%−11%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since April 23, 2018: 43% from July 27, 2022 to April 21, 2025. Getting back needed a 74% gain, reached on July 16, 2026, 451 days after the low.

Price behaviour

52-week range
$6.57 – $11.82
From 52-week high
−5.7%
vs 50-day average
−0.5%
vs 200-day average
+17.0%
Volatility (1 year)
26%
Beta vs S&P 500
0.42

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
1 up, 1 down
typical move ±2.2%
After a week
0 up, 1 down
typical move ±0.6%
After a month
1 up, 0 down
typical move ±6.4%
Results releasedNext dayS&P 500 next day5 days21 days
October 29, 2026 +3.5% −2.1% — —
July 30, 2026 −0.9% +2.4% −0.6% +6.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-Q. Generated November 3, 2026. Definitions in our methodology.

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

  • October 29, 2026
  • July 30, 2026

Recent SEC filings

Data status

When each part of this page on Columbia Financial, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Columbia Financial, Inc. in brief

What does Columbia Financial, Inc. do?
Columbia Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Columbia Financial, Inc.'s stock ticker?
Columbia Financial, Inc. trades under the ticker CLBK on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
When is Columbia Financial, Inc.'s next earnings date?
Around November 3, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Columbia Financial, Inc. announces its own schedule.