CLBK | Ticker Profile - Titan Protect

CLBK

Columbia Financial, Inc.

Financial Services · Banks - Regional · NMS

$20.27

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.1B

Total market value of the company

Trailing P/E

36.33

Expensive — high growth expected

Forward P/E

25.62

Based on estimated future earnings — lower means cheaper

Rev Growth

+18.5%

Year-over-year revenue change

Profit Margin

21.6%

How much profit the company keeps from each dollar of revenue

ROE

4.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$19.00

-6% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Columbia Financial, Inc.

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. 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.

https://www.columbiabankonline.com

Country: United States Employees: 749 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.682

Good returns relative to risk taken

Kelly Fraction

0.0420

Modest edge detected — smaller position warranted

Calmar Ratio

0.558

Acceptable balance between returns and drawdown risk

Annual Return

17.7%

Historical annualised return based on price data

Max Drawdown

-31.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.24

Very low correlation to market moves

52W High

$20.69

2% below the year high

52W Low

$13.66

48% above the year low

Avg Volume

307,357

Average daily shares traded — higher means easier to buy and sell

Short Ratio

8.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

9.9%

Moderate short interest

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$0.55

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

33.4%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$259M

Total revenue over the last 12 months

Net Income

$56M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$19.00

Target Median

$19.00

Target Low

$19.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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