CLBK · NASDAQ · STOCK
Columbia Financial, Inc.
$11.10
52W $6.21 – $11.74
52/100
$2.48B
42.6
0.23
Is CLBK Bullish or Bearish?
Mixed.
Innellis AI committee rates Columbia Financial, Inc. (CLBK) Watch with a composite score of 52/100
, based on 4 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.75 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.25 from today. The band boundary is 45.0, 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. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — bollinger bandwidth of 151.9% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- MACD histogram positive -- bullish momentum — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Price structure making lower highs and lower lows — Technical
- RSI at 29 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
- Weekly RSI at 23 -- oversold on the larger timeframe too — Technical
- Bollinger bandwidth of 151.9% signals elevated volatility — Risk
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 August 11, 2026
Overall Committee Score
52/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 94%
of 209 Financial Services peers
Technical Analyst
bearish
39
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 151.9% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
29.4
Oversold
MACD Histogram
0.092
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.39
Inside Bands
Price vs Moving Averages
EMA 9
$11.21
Below
EMA 21
$13.21
Below
EMA 50
$16.03
Below
EMA 200
$17.19
Below
Fundamental Analysis
Valuation
64
Profitability
41
Financial Health
87
Cash Flow
70
Valuation
P/E Ratio
42.6×
P/B Ratio
2.07×
PEG Ratio
0.05
Dividend Yield
0.00%
52W High
$11.74
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
[reduced confidence: limited earnings history] P/E ratio of 42.6 (rich relative to a 15-40x range); Price-to-book of 2.1x; 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); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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