CLBK · NASDAQ · STOCK
Columbia Financial (CLBK) Stock Analysis
$11.47
52W $6.21 – $12.00
68/100
$2.58B
44.3
0.24
Is CLBK Bullish or Bearish?
Bullish.
Innellis AI committee rates Columbia Financial, Inc. (CLBK) Buy with a composite score of 68/100
, based on 6 analysts with 67% agreement.
Last updated September 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.74 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 — -13.26 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
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 53.4 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 September 17, 2026
Overall Committee Score
68/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 10%
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 53.4 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
73
/ 100 · Moderate 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
bullish
90
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+1.00 across 1 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2514.55)
Investment Thesis Evolution
Committee score moved marginally from 68.3 to 68.3.
Comparing 2026-09-16 to 2026-09-17 (1 day apart).
Technical Analysis
RSI (14)
45.8
Neutral
MACD Histogram
0.146
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Mixed
Support
$10.53
Resistance
$15.31
Bollinger %B
0.28
Inside Bands
Price vs Moving Averages
EMA 9
$11.55
Below
EMA 21
$11.76
Below
EMA 50
$13.31
Below
EMA 200
$16.01
Below
Fundamental Analysis
Valuation
63
Growth
85
Profitability
41
Financial Health
87
Cash Flow
70
Valuation
P/E Ratio
44.3×
P/B Ratio
2.15×
PEG Ratio
0.05
Dividend Yield
0.43%
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 44.3 (rich relative to a 15-40x range); Price-to-book of 2.1x; PEG ratio of 0.1 (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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