Start here if you're new
what it is
Columbia Financial is a New Jersey bank that takes deposits and makes real estate, business, and consumer loans.
how it gets paid
Last year Columbia Financial made $471M in revenue. multifamily & commercial real estate lending was the main engine at $188.4M, or 40% of sales.
why it's growing
Revenue grew 4.3% last year. The 190% revenue jump mattered most because it shows the rebound was not just accounting noise.
what just happened
A sharp rebound, with revenue up 190% vs. prior year to $349M and EPS up 133% to $0.35.
At a glance
B+ balance sheet — decent shape, but not bulletproof
40/100 earnings predictability — expect surprises
35.8x trailing p/e — you're paying up for this one
$0.51 fy2025 eps est
$3M fy2024 rev est
xvary composite: 63/100 — average
What they do
Columbia Financial is a New Jersey bank that takes deposits and makes real estate, business, and consumer loans.
This is a local bank, and local banks win by being the place your business already borrows from and your checking account already lives in. Columbia has 708 employees and a branch network in New Jersey, which helps keep deposits sticky. Sticky deposits → customers leave slowly → funding stays cheaper, so a plain bank can still earn real money.
How they make money
$471M
annual revenue · their business grew +4.3% last year
multifamily & commercial real estate lending
$188.4M
one-to-four family real estate lending
$117.8M
commercial business lending
$94.2M
consumer & home equity lending
$47.1M
title, insurance, and investment services
$23.5M
The products that matter
spread lending business
Net interest income
$248.9M · core engine
This is the core banking business — the spread between what the bank earns on loans and pays on funding. It sits at $248.9M here, and it was flat. For a bank trading at 34.25x earnings, flat is not a love language.
core profit driver
fees and ancillary income
Non-interest income
$222.1M · +4.3%
This bucket grew 4.3% and matters because it offsets some pressure from flat spread income. In plain English: if lending income stalls, fee income has to do more work.
supporting growth
operating bank platform
Columbia Bank
$15.7M net income in q4 2025
This is the actual banking operation inside the holding company. It produced $15.7M of quarterly net income, which tells you the business is profitable — just not obviously premium-multiple profitable.
profitability test
Key numbers
$0.51
fy2025 eps est
$3M
fy2024 rev est
35.8x
trailing p/e
n/a
dividend yield
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 65 / 100
- long-term debt $1.1B (37% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CLBK right now.
source: institutional data · return history unavailable
What just happened
beat estimates
A sharp rebound, with revenue up 190% vs. prior year to $349M and EPS up 133% to $0.35.
That is the cleanest proof point in the file. After a full-year 2024 loss of $0.11 a share, Columbia needed one quarter that looked normal again, and this one did.
$349M
revenue
$0.35
eps
190%
revenue growth
the number that mattered
The 190% revenue jump mattered most because it shows the rebound was not just accounting noise. It showed up in the top line.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
The top threat here is valuation compression in a slow-growth regional bank. Banks can be stable and still be expensive. CLBK is both.
high
valuation reversion to peers
CLBK trades at 34.25x earnings versus an 11.6x industry average. If the market decides this should trade like a normal bank instead of a special one, the multiple does a lot of damage before the business even changes.
the page itself frames that gap as a 195% premium and roughly 66% downside from multiple compression alone
med
flat net interest income
Net interest income is the core bank engine. It was flat. In plain English: the part of the business that should do the heavy lifting is treading water.
if the spread business stays flat, the case for a premium multiple gets thinner every quarter
med
low institutional sponsorship
Institutional ownership is just 12.72%. That does not mean the stock is broken. It does mean fewer large investors are around to support the valuation story.
thin sponsorship can leave small-cap bank valuations drifting until results force the issue
med
messy data picture
This snapshot shows $248.9M of trailing revenue in one place, but the segment lines total $471.0M. When the dataset is messy, the burden of proof on the premium thesis goes up, not down.
you need cleaner evidence before you can confidently argue that 34.25x is deserved
At 34.25x earnings, CLBK does not have much room for ordinary bank results. If growth stays around 1.8% and the multiple heads toward 11.6x, the stock does not need a crisis to look expensive.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
next earnings report
Estimated for April 28, 2026. Consensus expects $0.09 EPS. If results land soft, the premium valuation will not get much patience.
trend
net interest income
The core lending spread was flat. You want to see movement here, because fee income alone is not enough to justify a 34.25x bank multiple.
risk
valuation premium
CLBK trades at a 195% premium to the 11.6x industry average. Watch whether the business starts earning that premium or the stock starts losing it.
metric
capital allocation under the new CFO
Thomas Splaine took the CFO role in January 2026, and the company has an active buyback program. Watch how capital gets split between repurchases, balance-sheet caution, and operating priorities.
Analyst rankings
earnings predictability
40 / 100
Earnings can swing around here. In human-speak, analysts do not see CLBK as a smooth, easy-to-model bank.
risk rank
2
This scores safer than 80% of stocks. You are taking more valuation risk than balance-sheet risk.
price stability
65 / 100
The stock has been relatively steady. That helps if you own it for defense, less so if you own it for upside.
source: institutional data
Institutional activity
institutional ownership data for CLBK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$18
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive