Columbia Financial, Inc. (CLBK)
Financials · regional banks · NASDAQ
Columbia Financial is a regional banking organization that recently completed a major transformative expansion through a second-step conversion and the strategic acquisition of Northfield Bancorp.
What Columbia Financial, Inc. does
Columbia Financial, Inc. is the holding company for Columbia Bank, a New Jersey-based financial institution providing a range of banking and financial services. The company focuses on commercial and consumer lending, retail banking, and deposit products. Following its July 2026 second-step conversion and the acquisition of Northfield Bancorp, the company expanded its footprint significantly across New Jersey, Staten Island, and Brooklyn.
Recent developments
In July 2026, the company completed its second-step conversion offering, raising $1.7 billion in gross proceeds, and finalized the merger with Northfield Bancorp, adding approximately $5.8 billion in total assets and expanding its branch network into New York. On July 30, 2026, the board declared a quarterly cash dividend of $0.05 per share.
From Columbia Financial, Inc.'s filing of 2026-08-07.
Themes: banking / financial services, M&A integration, regional banking expansion, net interest margin management
Fundamentals
- Price$11.01 as of 2026-10-08 close
- Market cap$3.0B as of 2026-08-05 (share count; price 2026-10-08)
- 1-year return-26.1% 2025-10-08 close $14.90 → 2026-10-08 close $11.01
- P/E34.85 as of 2026-10-08
- ROE+4.5% FY2025, SEC XBRL
- Debt / equity1.06 as of 2026-09-03
- Revenue growth (YoY)+29.3% as of 2026-09-03
- Beta0.74 as of 2026-09-03
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.7%; pays a dividend.
How CLBK compares in its sector
- price-to-earnings ratiotop 10% 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 25% 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
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.
Top 10 score
40.3 #1182 of 1,379 scored · #209 of 220 in Financials
Growth 86th (revenue growth year over year 29.3%) and capital return 45th (net share count bought back over the year 0); weakest is trend (18th, trading below its 200-day average).
Scores as of 8 Oct 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 4.
How Columbia Financial, Inc. looks technically
Columbia Financial, Inc. (CLBK) is trading 28.2% 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 60 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. It is 48.1% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 28.2% below its 200-day average, the long-term trend line — a long-term downtrend | -28.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $11.36 | $11.36 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $15.33 | $15.33 |
| 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 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 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 3 of five; the labelling fails if price closes below 10.75. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 60 trading days ago — a "death cross", a bearish long-term signal | 60 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend | 18.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30) | 43.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($10.65 to $11.79) — its "stochastic" reading is 32 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. | 31.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 21 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 48.1% below its 52-week high (its highest price of the past year) | -48.0% |
| Above the 52-week low | it is 23.8% above its 52-week low (its lowest price of the past year) | +23.8% |
| Below the 52-week high | it is 48.1% below its highest point of the past year | 48.0% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it is trading within its recent 55-day range, with no fresh breakout up or down | 0 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 — 17% 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. | 16.9% |
| From the all-time high | it is 51.8% below its all-time high | -51.8% |
| Nearest price level | it is trading 7.0% below a resistance level at $11.78 — a price it turned at three times since 2026-07-20, most recently on 2026-09-21. Since 2024-10-08 it has 0 such levels below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +7.0% |
| 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 23.8% above its all-time low | +23.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 34th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2813 between its high and its low — about 2.6% 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 | $0.2813 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $10.79 and $11.76 — 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 | $10.79 – $11.27 – $11.76 |
| Typical daily range (% of price) | its price moves about 2.6% 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 | 2.5% |
| Stretch from the 200-day average | it is trading 15.4 daily ranges below its 200-day average price (28.2% 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 | 15.4 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.80× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% below 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 | -0.4% |
|---|---|---|
| Gap filled | a 3.5% gap down opened on 2026-07-21 has been "filled" 40 sessions ago — price traded back through the level the gap left behind, and it took 15 sessions to close | 40 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.4 percentage points (the stock lost 5.3% while the market gained 1.0%) | -6.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.7 percentage points (the stock gained 16.6% while the market gained 3.8%) | +12.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 55.4 percentage points (the stock lost 38.0% while the market gained 17.5%) | -55.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 41.1 percentage points (the stock lost 26.1% while the market gained 15.0%) | -41.1% |
Signal agreement
2
| Bullish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bullish state — these describe past price behaviour, not a forecast | 0 of 9 |
|---|---|---|
| Bearish technical signals | 6 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, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.7% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 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 29.7% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -3.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $11.72 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | -6.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-30 (its 8-K), so the typical buyer over that stretch is under water. That average is $11.35 — a volume-weighted average of daily closes over 50 sessions, not a true tick-by-tick VWAP. | -3.0% |
Double bottom, bullish — forming · entry $11.82 · 47 sessions in
Price levels it has turned at before
CLBK last closed at $11.01 on 2026-10-08. Since 2024-10-08 it has turned at 0 prices below its last close and 14 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $11.78 | Resistance | 7.0% above the last close | turned there three times · 2026-07-20 to 2026-09-21 |
| $13.66 | Resistance | 24.1% above the last close | turned there twice · 2025-06-18 to 2025-10-16 |
| $13.91 | Resistance | 26.3% above the last close | turned there three times · 2025-04-14 to 2025-07-30 |
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 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $10.75.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 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 $12.24 and $13.16 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $10.75.
This reading has stood for 5 trading days, since 2026-10-02.
Read from daily closes as of 2026-10-08.
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 · Pulled back from the 12-month high · Broke down to a new 20-day low · trendless / choppy (low ADX) · lagging the market · Printed a bullish engulfing pair | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$14.17 range $14.00 – $14.50; median $14.00
Analyst estimates, as of 2026-10-07. 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 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $0.1212, on 2026-09-02, 35-day window
- Readings revised upward13% of 8 comparable readings
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)
["Interest rate risk impacting net interest margin and the economic value of equity","Integration risks associated with the recent acquisition of Northfield Bancorp","Economic downturns affecting credit quality and loan loss estimates"]
What changed in the latest 10-Q
AI-assisted comparison of CLBK's 10-Q filed 2026-08-07 against the prior one filed 2026-06-09.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-07) includes substantial MD&A content discussing the allowance for credit losses, deferred tax assets, and retiree benefits accounting.
- Newer filing (2026-08-07) includes an Item 3 Quantitative and Qualitative Disclosures About Market Risk section with qualitative and quantitative interest rate risk analysis.
- Newer filing (2026-08-07) states net deferred tax liabilities totaled approximately $17.2 million at June 30, 2026 and $15.3 million at December 31, 2025, with no valuation allowance deemed necessary.
- Newer filing (2026-08-07) includes a net interest income and net portfolio value sensitivity table as of June 30, 2026.
- Removed:
- Older filing (2026-06-09) included "Not applicable. Please see the 'Explanatory Note.'" for Item 2 MD&A and Item 3 Market Risk, which the newer filing replaced with actual discussion.
- Reworded:
- Older filing (2026-06-09) stated MD&A and market risk disclosures were not applicable, referring to an Explanatory Note; newer filing (2026-08-07) provides full narrative MD&A and market risk disclosures instead of that reference.
- Notes:
- The newer filing excerpt appears truncated mid-table at the +200 basis point row.
- The older filing excerpt does not include an Explanatory Note itself, so its content could not be compared.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
31 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-0431 buys ($5M) · 0 sells — 16 buying insiders
- Last 180 days · read to 2026-10-0431 buys ($5M) · 0 sells — 16 buying insiders
Cluster buying: 16 different insiders reported open-market purchases (SEC code P) of CLBK within a 30-day window between 2026-07-20 and 2026-07-20. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-03. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CLBK's insider activity →
Only 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.
Ask about CLBK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CLBK had 19,255,474 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
CLBK had 7.14% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.01 days to cover at the same settlement.
- Reported short interest (shares) 19,255,474
- Short interest (% of shares outstanding) 7.14%
- Prior settlement (shares) 19,108,938
- Reported change 0.77%
- Days to cover (reported) 6.01
Reported to FINRA as of the 2026-09-15 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
- Valley National Bancorp (VLY)
- Investors Bancorp (ISBC)
- OceanFirst Financial (OCFC)
- Lakeland Bancorp (LBAI)
- ConnectOne Bancorp (CNOB)
- Northfield Bancorp (NFBK)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Columbia Financial, Inc. (CLBK) do?
Columbia Financial, Inc. is the holding company for Columbia Bank, a New Jersey-based financial institution providing a range of banking and financial services. The company focuses on commercial and consumer lending, retail banking, and deposit products. Following its July 2026 second-step conversion and the acquisition of Northfield Bancorp, the company expanded its footprint significantly across New Jersey, Staten Island, and Brooklyn.
What sector is Columbia Financial, Inc. (CLBK) in?
Columbia Financial, Inc. (CLBK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does CLBK pay a dividend?
Yes — Columbia Financial, Inc. (CLBK) pays a dividend, with an indicated yield of about 1.73% (market data, as of 2026-09-03). Informational only — not financial advice.
Who are Columbia Financial, Inc.'s (CLBK) competitors?
Notable peers of Columbia Financial, Inc. (CLBK) include Valley National Bancorp, Investors Bancorp, OceanFirst Financial, Lakeland Bancorp and ConnectOne 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 43, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CLBK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.