Columbia Financial, Inc. (CLBK) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Columbia Financial, Inc. operates as a bank holding company, delivering a comprehensive array of financial solutions to both corporate clients and individual consumers, primarily within the United States. Its deposit offerings encompass various options, including non-interest-bearing checking accounts for businesses and individuals, interest-bearing checking and municipal accounts, savings and club accounts, money market accounts, and certificates of deposit.
Is Columbia Financial, Inc. stock overvalued or undervalued in 2026?
Columbia Financial, Inc. (CLBK) trades at 52.6× earnings (P/E), against a median of 12.9× across the 321 financial services companies above $2bn in Kaplio's universe. At a P/B Kaplio accepts for its ROTCE 5.0% (0.1×) $2 (-83%); at its peers' median (1.9×) $24 (+118%).
Kaplio overview: Columbia Financial, Inc.
Market cap $2B · 52 weeks $7 – $12 (6% below the high) · P/E 52.6× · 2027 est. P/E 14.5× · Dividend 0.45% · Next earnings February 1, 2027 · expected EPS $0.16 · Closing price, Nov 4 · accounts published Oct 29.
- Valuation: P/B 0.9× (expensive).
- Business: ROTCE 5.0% (weak).
- Balance sheet: Capital/assets 10.5% (solid).
- Earnings: 4 of 8 (uneven).
Where would it trade at its usual multiples?
At a P/B Kaplio accepts for its ROTCE 5.0% (0.1×) $2 (-83%); at its peers' median (1.9×) $24 (+118%). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 1 of 4 pass
- ROA 0.3%, fails.
- ROTCE 5.0%, fails.
- P/B (Price / Book) 0.9×, fails.
- Equity / Assets (Tier 1 proxy) 10.5%, passes.
- Sustainable dividend yield 0.4%, info.
Against its peers (reference peers) — Columbia Financial, Inc.: P/E 52.6×; P/B 0.9×; ROE 2.9%; $2.5B. First Bancorp (P/E 16.6×; P/B 1.6×; ROE 9.7%; $2.7B), City Holding Company (P/E 15.8×; P/B 2.6×; ROE 16.4%; $2.0B), Park National Corporation (P/E 16.0×; P/B 1.9×; ROE 12.3%; $3.3B).
Expensive or cheap against its last ten fiscal years?
P/B at each close: today 0.9× · median 1.8× · minimum 0.6× · maximum 4.3× · cheap below 1.6× · expensive above 2.1×. It has been cheaper than today only 6% of the time over its last ten fiscal years.
Dividend
solid · Yield (last 12 months) 0.45% · With $1,000 invested today you'd collect $4.50 a year ($0.38 a month).
Profitability
| Return on Equity | 2.90% |
| Return on Assets | 0.28% |
| Gross Margin | 52.61% |
| Operating Margin | 8.86% |
| Net Margin | 8.77% |
Financial Health
| Piotroski F-Score | 7 |
Price Performance
| 1 month | -0.63% |
| 3 months | +2.03% |
| Year-to-date | +56.66% |
| 1 year | +58.91% |
| 3 years | +45.53% |
| 5 years | +24.13% |
Dividend History
Paid in the last 12 months: $0.05 per share in 1 payments.
| Date | Amount |
|---|---|
| August 12, 2026 | $0.05 |
Amounts adjusted for stock splits.
Related companies: UMBF · COLB · CVBF · FBNC · CHCO · PRK
Explore sector: Financial Services · Banks - Regional
More sections of CLBK: Financials · Valuation · Estimates · Technical · Ownership
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