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CLBK · Columbia Financial, Inc.

$23.42 +0.47 (+2.05%) At close · Jul 17
Market Cap
$2.44B
Shares
104,058,235

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$23.42 Open$22.85 Day$22.47–24.09 52W$13.66–24.09 Avg vol 30d670K Short int4.3M · 4.2% float · 8.6d Short vol75% Last earningsFeb 2, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 11
Up next
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 11, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Fair Quant / Vol Low
      Market backdrop VIX 18.8 · elevated Equity put/call 0.73
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +33%
      above
      Price vs 50-day avg +14%
      above
      RSI (14) 79
      overbought
      MACD trend Positive
      52-week position 94%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +18%
      trailing
      6-month return +47%
      trailing
      YTD return +51%
      this year
      Relative strength +39%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $20 › 200d $18 — 50d above 200d
      Institutional flow Accumulating
      13 of 124 funds reported for Jun 30 · net +4.0K sh shares · +1 new
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.17% of float · ▲ +18.1% MoM · 8.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      124 holders — mid 3-yr range
      Squeeze score 90
      high risk · 0–100
      Fundamentals
      Fair
      EPS growth +564%
      Y/Y
      Free cash flow $58.6M
      Valuation P/E 42.6
      rich
      Balance sheet $842.7M
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 28%
      annualized · 1-yr
      Max drawdown −13%
      past year
      ATR 2.7%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record
      Latest guidance · from the Earnings Call filed Dec 31, 2025
      2027
      EPS accretion Initiated 51%
      pro forma at closing
      Return on average assets 1.06%
      Pro forma earnings $200M
      Efficiency ratio 48%
      at closing
      Merger consideration per Northfield share $14.25 – $14.65

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +33% Bullish
      Price vs 50-day avg
      +14% Bullish
      RSI (14)
      79 Bearish
      MACD trend
      Positive Bullish
      52-week position
      94% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $20 › 200d $18 — 50d above 200d
      Institutional flow Accumulating
      13 of 124 funds reported for Jun 30 · net +4.0K sh shares · +1 new
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.17% of float · ▲ +18.1% MoM · 8.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      124 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $14 Now $23 · 94% 52-wk high $24
      vs 200-day avg +33% vs 50-day avg +14%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Average cost of interest-bearing liabilities 2.92% three months ended March 31, 2026
      Average yield on loans 5.01% three months ended March 31, 2026
      Average yield on other interest-earning assets 4.78% three months ended March 31, 2026
      Average yield on securities 3.38% three months ended March 31, 2026
      Net recoveries on loans $604,000 three months ended March 31, 2026
      Weighted average yield on interest-earning assets 4.76% three months ended March 31, 2026
      Core net income non-GAAP $15.9M the quarter ended December 31, 2025
      Loans receivable $375.1M the year ended December 31, 2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CLBK
      Columbia Financial, Inc.
      this stock
      $2.44B +50.7% 42.6 4.2%
      HDB
      Hdfc Bank Ltd
      $135.43B -27.8% +15.2% 0.4%
      MFG
      Mizuho Financial Group Inc
      $120.24B +34.8% 0.1%
      IBN
      Icici Bank Ltd
      $106.74B -0.1% 0.7%
      PNC
      Pnc Financial Services Group, Inc.
      $101.54B +22.1% +7.2% 14.7 1.9%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      124
      % held
      11.8%
      Reported
      13 of 124
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      151
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      4.3M
      Days to cover
      8.6d
      Change
      +665.4K sh
      View
      Short Volume
      Short vol %
      75%
      As of
      Jul 17, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      11.9K
      Value
      $250.9K
      As of
      Jun 30, 2026
      View
      Off-Exchange
      Off-exchange %
      39.3%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $51.8M
      EPS diluted
      $0.51
      View
      Buybacks
      Authorized
      shares 1.8M
      Remaining
      shares 926.7K
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 2, 2026
      This year
      15
      View
      Earnings & Events
      Earnings Calls
      Last call
      Feb 2, 2026
      View
      Investor Relations
      Latest news
      Columbia Financial, Inc. Announce…
      Published
      Jul 17, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CLBK +10.2% +18.0% +47.2% +10.4% +50.7%
      SPY -1.5% +0.3% +7.8% -0.5% +9.0%
      vs SPY +11.8% +17.7% +39.4% +10.8% +41.7%

      Capital returns

      Buyback program · as of Mar 31, 2026
      Authorized
      shares 1.80M
      Spent (derived)
      shares 873,304
      Remaining
      shares 926,696
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1723596 CUSIP 197641103 13F (30d) 12 filings 12 filers Visit website Investor relations