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    C

    Columbia Financial Inc (CLBK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $10.82
    -0.02 (-0.18%)

    Market Cap: $2.92B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    88%(30/34)
    Avg Surprise
    +13.39%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.12
    Range$0.06 - $0.18
    3 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.09+33.3%
    60d ago$0.09+33.3%
    30d ago$0.120.0%
    7d ago$0.120.0%
    Current$0.12
    Revenue Consensus
    $103M
    Range$98M - $110M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.16
    Range$-0.06 - $0.32
    3 analysts
    Revenue Consensus
    $122M
    Range$115M - $132M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.16---
    Sep 26EST
    		-$0.12---
    Jun 26
    Reported Jul 30
    		$0.15$0.05+200.00%Beat+150.0%
    Mar 26
    Reported Apr 20
    		$0.07$0.07+0.00%Beat+75.0%
    Dec 25
    Reported Feb 2
    		$0.07$0.07+0.00%Beat+40.0%
    Sep 25
    Reported Oct 20
    		$0.07$0.06+16.67%Beat+133.3%
    Jun 25
    Reported Jul 30
    		$0.06$0.05+20.00%Beat+200.0%
    Mar 25
    Reported Apr 30
    		$0.04$0.04+0.00%Beat+500.0%
    Dec 24
    Reported Jan 28
    		$0.05$0.03+66.67%Beat+0.0%
    Sep 24
    Reported Oct 24
    		$0.03$0.03+0.00%Beat-25.0%
    Jun 24
    Reported Jul 31
    		$0.02$0.02+0.00%Beat-60.0%
    Mar 24
    Reported Apr 30
    		$-0.01$0.02-150.00%Miss-111.1%
    Dec 23
    Reported Jan 25
    		$0.05$0.03+66.67%Beat-44.4%
    Sep 23
    Reported Oct 25
    		$0.04$0.03+33.33%Beat-60.0%
    Jun 23
    Reported Jul 26
    		$0.05$0.06-16.67%Miss-50.0%
    Mar 23
    Reported Apr 26
    		$0.09$0.09+0.00%Beat-10.0%
    Dec 22
    Reported Jan 25
    		$0.09$0.09+0.00%Beat-18.2%
    Sep 22
    Reported Oct 26
    		$0.10$0.10+0.00%Beat+11.1%
    Jun 22
    Reported Jul 27
    		$0.10$0.10+0.00%Beat-16.7%
    Mar 22
    Reported Apr 27
    		$0.10$0.09+11.11%Beat+11.1%
    Dec 21
    Reported Jan 25
    		$0.11$0.09+22.22%Beat+22.2%
    Sep 21
    Reported Oct 27
    		$0.09$0.09+0.00%Beat+28.6%
    Jun 21
    Reported Jul 28
    		$0.12$0.09+33.33%Beat+100.0%
    Mar 21
    Reported Apr 28
    		$0.09$0.08+12.50%Beat+200.0%
    Dec 20
    Reported Jan 27
    		$0.09$0.07+28.57%Beat+50.0%
    Sep 20
    Reported Oct 29
    		$0.07$0.05+40.00%Beat+16.7%
    Jun 20
    Reported Jul 29
    		$0.06$0.05+20.00%Beat+20.0%
    Mar 20
    Reported Apr 29
    		$0.03$0.06-50.00%Miss-50.0%
    Dec 19
    Reported Jan 30
    		$0.06$0.05+20.00%Beat+0.0%
    Sep 19
    Reported Oct 24
    		$0.06$0.04+50.00%Beat+20.0%
    Jun 19
    Reported Jul 24
    		$0.05$0.05+0.00%Beat+0.0%
    Mar 19
    Reported Apr 25
    		$0.06$0.05+20.00%Beat-40.0%
    Dec 18
    Reported Mar 29
    		$0.06$0.05+20.00%Beat-77.8%
    Sep 18
    Reported Oct 25
    		$0.05$0.05+0.00%Beat-44.4%
    Jun 18
    Reported Jul 27
    		$0.05$0.05+0.00%Beat-44.4%
    Mar 18
    Reported May 14
    		$0.10$0.11-9.09%Miss-
    Dec 17
    Reported Mar 23
    		$0.27$0.00N/ABeat-
    Mar 17
    Reported Jun 29
    		$0.09$0.00N/ABeat-
    Dec 16
    Reported Mar 31
    		$0.09$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.85%
    Forward Annual Dividend$0.20
    Payout Ratio19.90%
    FrequencyQuarterly
    Pay MonthsAug

    Key Metrics

    Valuation
    P/E Ratio30.06EV/EBITDAN/A
    Price/FCF37.48xFCF Yield2.67%
    Profitability
    Profit Margin21.80%Operating Margin32.60%
    ROE5.02%ROICN/A
    Financial Health
    Debt/EquityN/AInterest Coverage0.30x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.26Avg Volume4.68M
    52-Week High$12.0052-Week Low$6.19

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$10.99
    SMA 20$11.11
    SMA 50$11.36
    SMA 200$16.26
    EMA 10$10.94
    EMA 20$11.09
    EMA 50$11.97
    EMA 200$14.91

    MACD

    Line: -0.23Signal: -0.24Hist: 0.01

    ADX

    ADX: 30.6+DI: 17.7-DI: 28.9

    Aroon & PSAR

    Aroon Up28.0
    Aroon Down80.0
    PSAR$11.46

    Bollinger Bands

    Upper Band$11.64
    Lower Band$10.58
    %B Position952%(Upper)
    Band Width0.23

    RSI (14-Day)

    Neutral
    38.1

    Momentum Oscillators

    Stoch %K23.3
    Stoch %D23.4
    Williams %R-79.5
    ROC (10d)-3.0%
    Momentum-0.34
    CCI (20d)-71.6
    MFI (14d)43.6

    Volatility Measures

    ATR (14d)$0.25(2.3%)
    StdDev (20d)0.26
    Hist Vol25.5%(Moderate)

    Volume Flow

    VWAP$10.88
    OBV-26.8M
    AD Line-190.7M
    CMF (20d)-0.021

    Volume Metrics

    Avg Vol (20d)4.5M
    Vol Ratio0.7x
    VWMA (20d)$11.21

    Pivot Points

    R3$11.09
    R2$10.99
    R1$10.91
    Pivot Point$10.81
    S1$10.73
    S2$10.63
    S3$10.55

    Advanced Oscillators

    TSI-22.42
    Ultimate Osc44.9
    KST-48.11

    Financial Data

    QuarterMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
    Total Revenue$67.14M$68.78M$67.25M$63.88M$58.80M$22.71M$54.25M$53.26M$49.65M$56.59M$57.12M$50.60M
    Cost of Revenue$59.44M$63.37M$59.04M$65.26M$64.77M$70.08M$74.72M$71.40M$71.70M$66.73M$52.26M$46.07M
    Gross Profit$62.54M$67.06M$70.67M$61.41M$55.86M$19.84M$50.15M$51.07M$44.37M$55.43M$54.74M$49.53M
    Operating Expenses$47.49M$47.05M$45.09M$44.91M$43.84M$46.60M$42.83M$46.25M$45.66M$48.00M$42.91M$47.61M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$18.70M$20.01M$11.63M$16.50M$12.02M$-26,761,000$7.32M$4.82M$-1,284,000$7.43M$11.84M$1.92M
    Interest Income$118.87M$121.88M$120.42M$116.49M$112.16M$113.63M$115.89M$113.29M$108.63M$107.55M$98.41M$96.14M
    Interest Expense$58.48M$61.66M$63.03M$62.79M$61.84M$67.20M$70.61M$69.21M$66.43M$62.21M$49.88M$44.99M
    Income Before Tax$18.70M$19.65M$19.82M$16.50M$12.02M$-26,761,000$7.32M$4.82M$-1,284,000$7.43M$11.84M$1.92M
    Income Tax Expense$5.60M$3.95M$4.96M$4.20M$3.12M$-5,538,000$1.13M$279,000$-129,000$865,000$2.71M$257,000
    Net Income$13.10M$15.69M$14.87M$12.30M$8.90M$-21,223,000$6.18M$4.54M$-1,155,000$6.57M$9.13M$1.66M
    EBITDA$23.15M$24.19M$24.54M$20.75M$16.14M$-22,300,000$11.87M$9.24M$3.46M$12.29M$17.35M$7.48M
    EBIT$18.70M$19.65M$19.82M$16.50M$12.02M$-26,761,000$7.32M$4.82M$-1,284,000$7.43M$11.84M$1.92M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Weiss Ratings upgraded Columbia Financial stock to Buy

    Weiss Ratings upgraded Columbia Financial stock (CLBK) from Hold to Buy on October 8, 2026. The company is set to report its third-quarter results on October 19, 2026, with revenue forecast at USD 129.93 million...

    ad-hoc-news.de•10/13/26•Bullish

    Columbia Financial (CLBK) Set to Post Earnings on Monday

    Columbia Financial (CLBK) is scheduled to release its Q3 2026 earnings after market close on Monday, October 19th. Analysts anticipate earnings of $0.0667 per share on revenues of $129.93 million. The company's stock...

    MarketBeat•10/12/26•Somewhat-Bullish

    Trading the Move, Not the Narrative: (CLBK) Edition

    This article analyzes Columbia Financial Inc. (NASDAQ: CLBK), indicating weak sentiment across all time horizons supporting a short bias. It outlines institutional trading strategies including position...

    Stock Traders Daily•10/10/26•Bearish

    Columbia Financial Q3 2026 Earnings Date and Estimates

    Columbia Financial (CLBK) is scheduled to report its Q3 2026 earnings on Monday, October 19, 2026, after the market closes, with a conference call set for October 21...

    MarketBeat•10/9/26•Neutral

    Columbia Financial stock reports second quarter earnings and dividend

    Columbia Financial (CLBK) reported Q2 earnings with $73.75 million in revenue and $0.14 EPS. The company also declared a $0.05 quarterly dividend...

    AD HOC NEWS•10/7/26•Somewhat-Bullish

    CLBK Valuation and Fair Value

    P/E
    30.1x
    Forward P/E
    72.5x
    P/FCF
    37.5x
    P/B
    2.1x
    See GNG's fair value

    CLBK Profitability: Margins, ROIC and FCF

    Operating margin
    32.6%
    Net margin
    21.8%
    ROE
    5.0%
    FCF margin
    24.1%
    FCF yield
    2.7%

    CLBK Competitors

    CompanyTicker
    BankUnited IncBKU
    FS KKR Capital CorpFSK
    Miami International Holdings, Inc.MIAX
    Provident Financial Services IncPFS
    Siriuspoint LtdSPNT
    Sprott Inc.SII
    First Hawaiian IncFHB
    Brighthouse Financial, Inc.BHF

    Sector: Financial Services

    CLBK Analyst Ratings

    Consensus
    Strong Buy
    Analysts
    3
    Strong Buy
    2
    Buy
    1
    Hold
    0
    Sell
    0
    Strong Sell
    0

    CLBK Bull Case vs Bear Case

    Bull case

    • CLBK converts 24.1% of revenue into free cash flow.
    • CLBK has a 21.8% net profit margin.
    • CLBK grew quarterly revenue 13.1% year over year.

    CLBK Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    37.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.12
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    CLBK Dividend

    Forward yield
    1.8%
    Payout ratio
    19.9%
    Pay months
    Aug

    Frequently Asked Questions About CLBK

    What is CLBK's current dividend yield?

    Columbia Financial Inc (CLBK) has a forward dividend yield of 1.85%.

    Does CLBK pay dividends?

    Yes, Columbia Financial Inc pays dividends with a forward dividend yield of 1.85%.

    What is CLBK's P/E ratio?

    Columbia Financial Inc has a price-to-earnings (P/E) ratio of 30.06.

    What is CLBK's market cap?

    Columbia Financial Inc (CLBK) has a market capitalization of $2.92B with a current stock price of $10.82.

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