CLBK · NASDAQ · STOCK
Columbia Financial (CLBK) Stock Analysis
$10.81
52W $6.21 – $12.00
64/100
$2.41B
41.5
0.26
Is CLBK Bullish or Bearish?
Bullish.
Innellis AI committee rates Columbia Financial, Inc. (CLBK) Buy with a composite score of 64/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.04 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.96 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 29.3% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 29.3% YoY -- genuine top-line momentum — Growth
- EPS growing 332.3% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.01) -- balance sheet can absorb a shock — Risk
Bear Case
- P/E of 50.4 is expensive by classic value standards — Value
- ROE of only 5.0% -- cheap may mean cheap for a reason — Value
- Price structure making lower highs and lower lows — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
64/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 27%
of 211 Financial Services peers
Value Analyst
neutral
50
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.4x is a discount to asset value
− P/E of 50.4 is expensive by classic value standards
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 29.3% YoY -- genuine top-line momentum
Technical Analyst
neutral
46
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.01) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 64.0 to 64.0.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
36.1
Neutral
MACD Histogram
0.013
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Mixed
Support
$10.53
Resistance
$15.31
Bollinger %B
0.09
Inside Bands
Price vs Moving Averages
EMA 9
$11.06
Below
EMA 21
$11.25
Below
EMA 50
$12.22
Below
EMA 200
$15.22
Below
Fundamental Analysis
Valuation
64
Growth
85
Profitability
41
Financial Health
87
Cash Flow
70
Valuation
P/E Ratio
41.5×
P/B Ratio
2.01×
PEG Ratio
0.05
Dividend Yield
0.46%
52W High
$12.00
52W Low
$6.21
Quality & Growth
ROE
446.0%
ROA
47.0%
Gross Margin
5218.1%
Operating Margin
1180.1%
Revenue Growth YoY
—
Debt / Equity
1.02
AI Fundamental Assessment
P/E ratio of 41.5 (rich relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 4.5%; Return on assets of 0.5%; Net margin of 11.5%; Gross margin of 52.2%; Current ratio of 435.71 (healthy short-term liquidity); Debt-to-equity of 1.02; Free cash flow per share is positive (0.31); Most recent quarter beat estimates by 108.6%; EPS growth accelerating (+0.0% -> +119.9% QoQ); Analyst estimates rising over recent quarters
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