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CLBK

Columbia Financial, Inc. NMS · CLBK

$23.42 +0.47 (+2.05%)
Blow-off · +3.31σ Hot zone Grade B
Mkt cap $2.4B
P/E 42.6
Day $22.46 – $24.09
52wk $15.38 – $24.09
Avg vol 0.5M
Beta 0.25
Div yld
Next earnings 2026-07-20

Quick read

Plain English

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.

CLBK last traded at $23.42, up 2.0% on the day; that's in the upper part of its 52-week range ($15.38–$24.09). Right now it's stretched well above its recent average — moves this fast often cool off or give some back.

The next scheduled earnings report (2026-07-20) is the biggest known catalyst on the calendar, and after a strong run, watch whether the price can hold its gains on quieter days.

A plain-English snapshot built from the data on this page — not investment advice. Always do your own research.

Today's read

Grading desk →

KC3 upper (deep stretch), +3.56 ATR from EMA21 — no notable pattern

Long
score 22 · tech 22 / 80 · support 0 / 20
above KC1 lower, +3.56 ATR from EMA21 · no notable pattern
  • · Capitulation volume 8.8x — institutions transacting
  • · Aligned with weak uptrend
How this grade was earned
total 22 pts
Cycle position 6
Volume 10
Market fit 6

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Short B
score 42 · tech 42 / 80 · support 0 / 20
KC3 upper (deep stretch), +3.56 ATR from EMA21 · no notable pattern
ℹ️ Deep stretch (KC3): stop is set wider to avoid a whipsaw, so the reward/risk reads lower (~1R) by design — not a worse trade.
  • · AUTO-CORRECT: KC3 wall hit, river pushing further from EMA21
  • · KC3 upper stretch — deepest mean-reversion tier
  • · Stochastic bear cross in overbought
How this grade was earned
total 42 pts
Cycle position 30
Momentum 6
Volume 3
Market fit 3

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Candle-size grades

tap a size to open that chart

132-Day Trend Zones

Full chart →
21 EMA +1 ATR +2 ATR −2 ATR
O H L C

Under the hood

On the latest daily bar, momentum is running hot (RSI 79, overbought territory), the trend is quiet (ADX 22), and trading is unusually heavy at 8.8× normal volume. On the business side, revenue is growing 18% year over year and the business keeps about 23 cents of every sales dollar as free cash.

Latest-bar indicator readings behind the grade — display-only, they don't move the letter.

Momentum · RSI
79
0–100 · <30 oversold
Trend strength · ADX
22
>25 = strong trend
Volume vs avg
8.83×
1× = average
Stretch from avg
+3.6 ATR
− below · + above
Zone touches
0
tests of this zone
Suggested hold
5–60
bars (≈ days)
Fundamentals at a glance

Company fundamentals for context — display-only, they don't move the grade.

Revenue growth
+18.5%
year over year
Free-cash-flow margin
22.6%
cash kept per $ of sales
P/E ratio
40.0
price ÷ yearly profit

Valuation & accounting

Valuation desk →

Our cash-flow model pegs fair value near $12.11 (fair range $7–$12); today's price sits 82% above that estimate. The model's verdict is “Overvalued” and accounting quality screens as Weak. Model estimates only — do your own due diligence.

Intrinsic (DCF)
$12.11
Fair-value range
$7.46 – $12.11
Margin of safety
-82%
Verdict
Overvalued
Accounting quality Weak
  • ✓ Goodwill 1% of assets (organic growth)
  • ✓ Positive retained earnings
  • ✓ Net margin 22%
  • ⚠ Debt exceeds cash
  • ⚠ Debt/equity 8.49 (fragile)

Price implies ~25% growth (vs trailing rev yoy). Model estimate — do your own due diligence.

Key statistics

All statistics →

CLBK is a $2.4 billion company, priced at 43× last year's earnings, and it moves more calmly than the market (beta 0.2); the stock is trading near the top of its 52-week range.

Mkt cap $2.4B
P/E ttm 42.6
Fwd P/E 30.0
Beta 0.25
Day range $22.46 – $24.09
52w range $15.38 – $24.09
Avg vol 0.5M
RSI(2) 99.5
ROE 4.9%
Net mgn 21.6%
FCF mgn 22.6%
Debt/Eq
Div yld
Sector Financial Services
Industry Banks - Regional
Next earn 2026-07-20
52-week range · today's price
$15.38$24.09

More on CLBK

Options idea

See more →
CALL $25 2026-08-21
$0.42
ITM PUT $24 2026-08-21 · 34d
~$1.51
OTM PUT $22 2026-08-21 · 34d
~$0.44

ITM tracks the stock · OTM is cheaper / more leverage. Model-priced — verify the live chain. As of 18h ago (2026-07-18 18:02 UTC).

Earnings

See more →
Last reported
2026-04-20
EPS (act / est)
0.15 / 0.16
Surprise
-5.3%
Next report
2024-04-30

About

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…