COLUMBIA FINANCIAL INC (CLBK)
Financials · Community / regional banking · NASDAQ
A regional community bank focused on residential mortgage lending and retail deposits with demonstrated profitability and revenue growth accelerating through organic operations and strategic mergers.
What COLUMBIA FINANCIAL INC does
Columbia Financial is a bank holding company that operates Columbia Bank, a regional community bank providing retail and commercial banking services. The company offers deposit products, loans receivable (primarily residential mortgages), and ancillary financial services including title insurance and bank-owned life insurance to residential and commercial customers primarily in the Northeast region.
Themes: retail banking, commercial lending
Fundamentals
- Price$11.79 as of 2026-08-21 close
- Market cap$3.2B as of 2026-08-24
- 1-year return-19.2% 2025-08-21 close $14.59 → 2026-08-21 close $11.79
- P/E56.74 as of 2026-08-24
- Net margin+20.4% as of 2026-08-24
- ROE+4.9% as of 2026-08-24
- Debt / equity1.06 as of 2026-08-24
- Revenue growth (YoY)+29.3% as of 2026-08-24
- Beta0.26 as of 2026-08-24
- Last reported earnings2026-04-20 SEC EDGAR Form 8-K (Item 2.02)
How CLBK compares in its sector
- price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
CLBK is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
43.6 #1206 of 1,704 scored · #216 of 277 in Financials
Catalysts 89th: analysts have raised their average price target by 64.0% since the prior reading; momentum 48th: MACD momentum is positive; weakest is volume and participation 1st: trading volume is unusually light — only about 36% of its 30-day average.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How COLUMBIA FINANCIAL INC looks technically
COLUMBIA FINANCIAL INC (CLBK) is trading 26.7% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 27 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 4 trading days ago. It is 44.4% below its highest point of the past year. Trading volume is unusually light — only about 36% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 26.7% below its 200-day average, the long-term trend line — a long-term downtrend | -26.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $11.87 | $11.87 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $16.08 | $16.08 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 10.51. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 27 trading days ago — a "death cross", a bearish long-term signal | 27 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend) | 24.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30) | 56.6 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($10.51 to $12.00) — its "stochastic" reading is 86 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 85.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 29 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $21.19 | $21.19 |
|---|---|---|
| From the 52-week high | it is 44.4% below its 52-week high (its highest price of the past year) | -44.4% |
| Above the 52-week low | it is 32.6% above its 52-week low (its lowest price of the past year) | +32.6% |
| Below the 52-week high | it is 44.4% below its highest point of the past year | 44.4% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day low about 43 trading days ago | 43 sessions |
| All-time high | its highest closing price on record is $22.86 (set on 2022-07-27) | $22.86 |
| Given back of the 52-week move | over the past year its closes ranged ($8.99 to $20.94), and it has recovered roughly a quarter of its fall from last year’s high — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.38 to $16.76. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. Worth noting that the whole move happened in 13 days, so it is a narrow thing to be measuring a retracement against. | 23.4% |
| From the all-time high | it is 48.4% below its all-time high | -48.4% |
| Nearest price level | it is trading 15.9% below a resistance level at $13.66 — a price it turned at twice since 2025-06-18, most recently on 2025-10-16. Since 2024-08-21 it has 0 such levels below the current price and 13 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +15.9% |
| All-time low | its lowest closing price on record is $8.89 (set on 2026-06-23) | $8.89 |
| Above the all-time low | it is 32.6% above its all-time low | +32.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 70th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3133 between its high and its low — about 2.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3133 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $10.32 and $12.09 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $10.32 – $11.21 – $12.09 |
| Typical daily range (% of price) | its price moves about 2.7% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.7% |
| Stretch from the 200-day average | it is trading 13.7 daily ranges below its 200-day average price (26.7% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 13.7 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 36% of its 30-day average | 0.36× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 64.0% since the prior reading | +64.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Open gap | it gapped 54.6% below the previous close 42 sessions ago and has not traded back through the level it left behind at 20.03 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -54.6% |
| Gap filled | a 3.5% gap down opened on 2026-07-21 has been "filled" 7 sessions ago — price traded back through the level the gap left behind, and it took 15 sessions to close | 7 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.86% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 4.1 percentage points (the stock gained 6.4% while the market gained 2.3%) | +4.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 44.8 percentage points (the stock lost 41.7% while the market gained 3.1%) | -44.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 47.1 percentage points (the stock lost 36.1% while the market gained 11.1%) | -47.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 39.7 percentage points (the stock lost 19.2% while the market gained 20.5%) | -39.7% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 22.8% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -4.5% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 1% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $11.87 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | -0.6% |
|---|
Price levels it has turned at before
CLBK last closed at $11.79 on 2026-08-21. Since 2024-08-21 it has turned at 0 prices below its last close and 13 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $13.66 | Resistance | 15.9% above the last close | turned there twice · 2025-06-18 to 2025-10-16 |
| $13.91 | Resistance | 18.0% above the last close | turned there three times · 2025-04-14 to 2025-07-30 |
| $14.28 | Resistance | 21.1% above the last close | turned there 7 times · 2025-02-03 to 2025-11-18 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $10.51.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $11.08 and $12.00 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent death cross (50-day crossed below 200-day) · Pulled back from the 12-month high · Analyst price target recently RAISED · lagging the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$14.17 range $14.00 – $14.50; median $14.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CLBK
- Consensus EPS estimate$0.1212 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to interest rate fluctuations affecting net interest income.","Credit risks associated with the loan portfolio and the allowance for credit losses."]
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for CLBK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CLBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,992,641
- Reported value $69,911,146
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 4 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CLBK had 19,995,956 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for CLBK because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 19,995,956
- Prior settlement (shares) 4,406,616
- Reported change 353.77%
- Days to cover (reported) 1.42
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Investors Bancorp
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
COLUMBIA FINANCIAL INC is found in…
CLBK shows up in…
Frequently asked questions
What does COLUMBIA FINANCIAL INC (CLBK) do?
Columbia Financial is a bank holding company that operates Columbia Bank, a regional community bank providing retail and commercial banking services. The company offers deposit products, loans receivable (primarily residential mortgages), and ancillary financial services including title insurance and bank-owned life insurance to residential and commercial customers primarily in the Northeast region.
What sector is COLUMBIA FINANCIAL INC (CLBK) in?
COLUMBIA FINANCIAL INC (CLBK) is classified in the Financials sector. Its industry is Community / regional banking. It trades on NASDAQ.
Who are COLUMBIA FINANCIAL INC's (CLBK) competitors?
Notable peers of COLUMBIA FINANCIAL INC (CLBK) include Investors Bancorp. This peer set is informational only — not financial advice.
Is COLUMBIA FINANCIAL INC (CLBK) overbought or oversold right now?
COLUMBIA FINANCIAL INC (CLBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 57, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CLBK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.