Stocks · Financial Services · Banks - Regional
Columbia Financial, Inc. CLBK
$11.41 +2.24% Close, Oct 2, 2026 · NASDAQ · Market cap $2.55B
Strong growthStrong trend
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.26, up 885.9% year over year.
- Operating margin widened to 11.8% from 2.0% a year earlier.
- The stock is in an uptrend: above its 200-day average for 217 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 41%
- EPS growth (TTM, YoY)Top 1%
- FCF growth (TTM, YoY)Top 1%
- Revenue growth, 3-year CAGRBottom 48%
- Revenue growth accelerationBottom 35%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 34%
- Gross marginBottom 24%
- Operating marginBottom 26%
- Cash conversion (OCF / net income)Top 36%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Bottom 46%
- Interest coverBottom 20%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 26%
- Free-cash-flow yieldBottom 29%
- EBITDA / enterprise valueBottom 31%
- Sales / enterprise valueBottom 22%
- P/E vs own 5-year history (lower is better)Bottom 39%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 3%
- 6-month returnTop 5%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highTop 23%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 38%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 37%
- Maximum drawdown, 3 yearsBottom 36%
- Beta vs S&P 500 (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Bottom 46%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.1% | 9.2% | ↓ |
| Gross margin | 40.5% | 52.2% | ↑ |
| Operating margin | 2.0% | 11.8% | ↑ |
| FCF margin | 1.0% | 13.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.2% | 11.1% | ↓ | Top 41% |
| EPS growth (TTM, YoY) | 885.9% | — | Top 1% | |
| Gross margin | 52.2% | 40.5% | ↑ | Bottom 24% |
| Operating margin | 11.8% | 2.0% | ↑ | Bottom 26% |
| Net margin | 11.5% | 1.3% | ↑ | — |
| Free-cash-flow margin | 13.6% | 1.0% | ↑ | — |
| Return on invested capital | 0.4% | — | Bottom 34% | |
| Revenue growth, 3-year CAGR | 14.3% | — | Bottom 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.62×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.55%
- Shareholder yield
- 0.55%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- -0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +2.6%
- Average 2-day reaction, last 8
- -1.1%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $14.00
- Target vs current price
- +22.7%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | -2.4% | +0.4% | -1.3% | +6.5% | — |
| Apr 29, 2026 | -7.7% | -0.3% | +0.7% | +4.6% | +25.3% |
| Feb 3, 2026 | +1.3% | -1.2% | +3.5% | +4.0% | +7.5% |
| Oct 23, 2025 | +19.2% | -1.2% | -2.0% | -3.5% | +2.4% |
| Jul 30, 2025 | +0.0% | -0.5% | +2.2% | +8.8% | +8.9% |
| Apr 30, 2025 | +83.2% | -3.3% | +9.0% | +2.7% | +1.1% |
| Jan 23, 2025 | -400.0% | -2.1% | -4.6% | -1.8% | -16.5% |
| Oct 24, 2024 | +0.0% | -0.9% | +1.5% | +4.9% | -7.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.07 | $0.07 | -2.4% | $73.7M |
| Apr 29, 2026 | $0.07 | $0.07 | -7.7% | $67.1M |
| Feb 3, 2026 | $0.07 | $0.07 | +1.3% | $68.8M |
| Oct 23, 2025 | $0.07 | $0.06 | +19.2% | $67.3M |
| Jul 30, 2025 | $0.05 | $0.05 | +0.0% | $63.9M |
| Apr 30, 2025 | $0.04 | $0.02 | +83.2% | $58.8M |
| Jan 23, 2025 | -$0.10 | $0.03 | -400.0% | $22.7M |
| Oct 24, 2024 | $0.03 | $0.03 | +0.0% | $54.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 43.8× | 31.1× | 68th | Bottom 26% |
| P/E (forward) | 40.9× | — | — | — |
| EV / EBITDA | 33.7× | — | — | Bottom 31% |
| EV / Sales | 5.31× | — | — | Bottom 22% |
| Free-cash-flow yield | 2.70% | — | — | Bottom 29% |
| Earnings yield | 2.28% | — | — | Bottom 26% |
P/E over the past five years
Range 19.6× – 246.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +70.0%
- Earnings per share growth (TTM)
- +885.9%
- Change in P/E multiple
- -83.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 217
- 50-day average slope (20 days)
- +5.1%
- 200-day average slope (20 days)
- +4.6%
- Distance from 50-day average
- +0.5%
- Distance from 200-day average
- +24.4%
- RSI (14)
- 52.8
- Relative volume
- 0.82×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.3%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.70
- Correlation with S&P 500
- 0.36
- Current drawdown from 1-year high
- -3.5%
- Maximum drawdown, 3 years
- -33.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 27, 2022 | Apr 21, 2025 | -42.7% | 685 days | 310 days (Jul 16, 2026) |
| Mar 14, 2022 | Apr 29, 2022 | -16.1% | 33 days | 59 days (Jul 26, 2022) |
| Apr 23, 2021 | Jun 18, 2021 | -12.3% | 39 days | 69 days (Sep 27, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.55B
- P/E (TTM)
- 43.8
- EPS, diluted (TTM)
- $0.26
- Revenue (TTM)
- $504.4M
- Dividend yield
- 0.44%
- 52-week range
- $6.21 – $12.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $309.0M | $340.1M | $422.4M | $453.3M | $507.4M |
| Gross profit | $281.9M | $291.7M | $228.5M | $165.4M | $255.0M |
| Operating income | $126.2M | $116.9M | $46.1M | -$15.9M | $60.2M |
| Net income | $92.0M | $86.2M | $36.1M | -$11.7M | $51.8M |
| EPS (diluted) | $0.40 | $0.37 | $0.16 | -$0.05 | $0.23 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $124.9M | $89.9M | $120.6M | $126.7M | $129.7M | $130.4M | $122.0M | $122.3M |
| Net income | $6.2M | -$21.2M | $8.9M | $12.3M | $14.9M | $15.7M | $13.1M | $14.5M |
| EPS (diluted) | $0.03 | -$0.10 | $0.04 | $0.05 | $0.07 | $0.07 | $0.06 | $0.06 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $98.7M | $142.2M | $40.7M | $33.3M | $68.4M |
| Capital expenditure | -$5.5M | -$7.2M | -$7.6M | -$7.4M | -$9.8M |
| Free cash flow | $93.2M | $135.0M | $33.1M | $25.9M | $58.6M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$108.1M | -$98.6M | -$81.1M | -$6.7M | -$13.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.09B
- Total assets
- $12.17B
- Total liabilities
- $10.98B
- Total debt
- $1.22B
- Net debt
- $128.9M
- Shareholders’ equity
- $1.20B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 12, 2026 | $0.05 | Aug 26, 2026 |
Short interest
- Shares sold short
- 19,255,474
- Days to cover
- 6.01
- Change vs previous report
- +0.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 21, 2026
- 11-for-5