Columbia Financial Inc (CLBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Columbia Financial Inc stock $3.36, price $11.11, that is 69.8% below the price, quality 42 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $5.91 – $11.82 · fair‑value band $2.52 – $4.20 · the $11.11 price screens above the $3.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States.
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The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities.
It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings.
In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey.
Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. operates as a subsidiary of Columbia Bank MHC.
Stock analysis
Columbia Financial Inc (CLBK) currently trades at $11.11, while our model-based Fair Value estimate is $3.36, 70% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $3.95 per share, and 0 of the 4 models we run sit above the $11.11 price.
Bear case: the Asset-Based group reads lowest at $2.59, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $2.52 (bear) to $4.20 (bull), the price of $11.11 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Columbia Financial Inc reported revenue of $507M in FY2025 versus $309M in FY2021, a compound +13.2%/yr. Reported net income was $51.8M in FY2025, compounding −13.4%/yr from FY2021.
Key figures
Market cap $3.0B Mid · P/E ratio 37.0 · P/S ratio 3.78 · EPS (TTM) $0.3000 · Net margin 10.2% · Return on equity 2.3% · Return on assets (EBIT) 0.7% (5-year average) · Operating margin 13.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 69% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −70%, CLBK screens richer than that median.
Fair Value models
Bear$2.52Fair Value $3.36Bull$4.20
Price $11.11 · Downside -69.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.2564 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income$3.30$3.32$3.5071
P/E Multiple$1.87$2.50$3.1263
P/B Multiple$4.05$5.40$6.7555
All 4 models by family
Multiples
P/E Multiple$1.87$2.50$3.1263
P/B Multiple$4.05$5.40$6.7555
Asset-Based
NCAV (Graham)$1.93$2.59$3.8654
Economic Profit
Residual Income$3.30$3.32$3.5071
The fair value above starts from this blend and is adjusted for dilution from new shares.
BuyThomas J. KemlyPresident & CEO, Director53,057 shares at $10.00$530,570Jul 20, 2026
BuyRobert Van DykDirector25,000 shares at $10.00$250,000Jul 20, 2026
BuyElizabeth E. RandallDirector49,980 shares at $10.00$499,800Jul 20, 2026
BuyMichael Massood Jr.Director25,000 shares at $10.00$250,000Jul 20, 202610b5-1 plan
BuyAllyson Katz SchlesingerSEVP&Head of Consumer Banking50,000 shares at $10.00$500,000Jul 20, 2026
Plus 6 more entries from the last 12 months.
Plus 29 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+11.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.2%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.6% vs 6.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 12%
News mood ⓘNews mood, the average tone of recent news (89 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The expanded balance sheet after the Northfield acquisition supports more commercial lending and revenue, yet low ROE signals a thin competitive edge and limited moat.
Main risk: Failure to deliver enough efficiency gains from the larger operations would hit profitability by leaving integration work and the substantially higher share count unoffset.
Columbia Financial expanded sharply after completing its acquisition of Northfield Bancorp alongside the second-step conversion. The larger balance sheet supports more commercial lending and revenue, yet it also brings integration work and a substantially higher share count. Will the combined operations deliver enough efficiency gains to offset those added costs and scale?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 1/14 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−69.8% · Bottom 25%
Profitability
Return on equity (12 months)2.3% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)17.6% · Bottom 25%
Operating margin (12 months)13.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)12.4% · Above median
Dividend yield (12 months)0.0% · Bottom 25%
Balance sheet
Debt / equity1.02× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Columbia Financial Inc (CLBK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $3.36 versus a price of $11.11, about 70% lower (overvalued).
What is the fair value of CLBK?
Our model-based fair value for Columbia Financial Inc is $3.36 (as of Nov 8, 2026), built from audited fundamentals. The current price: $11.11.
What is the quality score of CLBK?
Columbia Financial Inc has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Columbia Financial Inc (CLBK)?
Our model-based price target is the fair value of $3.36 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $2.52, optimistic scenario $4.20. It is a calculation from audited fundamentals, not an analyst target.
What is the Columbia Financial Inc stock forecast for 2026?
Our models put fair value at $3.36, about 70% lower versus a price of $11.11 (overvalued). Cautious scenario $2.52, optimistic scenario $4.20. The calculation is refreshed regularly with new filings.
What is the revenue of Columbia Financial Inc (CLBK)?
Columbia Financial Inc reported trailing-twelve-month revenue of about $275M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Columbia Financial Inc (CLBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Columbia Financial Inc it is $3.36 per share (as of Nov 8, 2026), against a price of $11.11. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Columbia Financial Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CLBK trades above its calculated fair value: price $11.11, fair value $3.36, a gap of about −70% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CLBK?
No. The price is what the market pays today ($11.11); the fair value is what the company's own numbers justify ($3.36). For Columbia Financial Inc the two are $7.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Columbia Financial Inc worth?
The market values Columbia Financial Inc at about $3.0B (market capitalisation, as of Nov 8, 2026). Per share that is $11.11; our models calculate a fair value of $3.36 per share.
What do the bullish and bearish scenarios say about CLBK?
Our models span a range for Columbia Financial Inc: cautious scenario $2.52, base $3.36, optimistic $4.20 per share (as of Nov 8, 2026, price $11.11). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CLBK?
Columbia Financial Inc trades at a price-to-earnings ratio of 37.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.36 is built from several models across several years. Other multiples: P/B 2.6, P/S 10.9, EV/EBITDA 55.7.
How solid is the balance sheet of Columbia Financial Inc (CLBK)?
Balance-sheet figures for Columbia Financial Inc (as of Nov 8, 2026): return on equity 2.3%, debt of 1.02 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is CLBK from its 52-week high?
Columbia Financial Inc trades at $11.11, about 6% below its 52-week high of $11.82 and 69% above the low of $6.57 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $3.36 is for.
Which stocks are comparable to Columbia Financial Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Columbia Financial Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $11.11, calculated fair value $3.36 (−70%), Quality Score 42/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CLBK calculated?
We run Columbia Financial Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $3.36 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Columbia Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Columbia Financial Inc (CLBK)?
The closing price on Nov 6, 2026 was $11.11. Our model-based fair value is $3.36, about 70% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Columbia Financial Inc right now?
The price sits above even our optimistic bull case ($4.20). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Columbia Financial Inc
How large is the market capitalisation of Columbia Financial Inc (CLBK)?
The market capitalisation of Columbia Financial Inc is $3.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Columbia Financial Inc (CLBK)?
The price-to-sales ratio of Columbia Financial Inc is 3.78 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Columbia Financial Inc (CLBK)?
Earnings per share at Columbia Financial Inc are $0.3000 (price ÷ EPS = P/E 37.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Columbia Financial Inc (CLBK)?
The net margin of Columbia Financial Inc is 10.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Columbia Financial Inc (CLBK)?
The return on equity (ROE) of Columbia Financial Inc is 2.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Columbia Financial Inc (CLBK)?
On an EBIT basis the return on assets of Columbia Financial Inc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Columbia Financial Inc (CLBK)?
The operating margin of Columbia Financial Inc is 13.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Columbia Financial Inc (CLBK)?
Revenue at Columbia Financial Inc is growing +12.4% versus a year earlier (3y avg +14.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Columbia Financial Inc (CLBK)?
Earnings per share at Columbia Financial Inc are growing −69.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Columbia Financial Inc (CLBK) generate?
The free cash flow of Columbia Financial Inc is $58.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Columbia Financial Inc (CLBK) carry?
The net debt of Columbia Financial Inc is $843M (fiscal year 2025, ≈ 14.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026
