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New Jersey savings bank offering commercial and retail banking, converted from mutual ownership in 2018.
New Jersey savings bank offering commercial and retail banking, converted from mutual ownership in 2018.
Earns mostly from interest on mortgages and commercial loans, minus the cost of deposits. It uses a mutual holding company structure: Columbia Bank MHC still holds a majority of the shares, with the rest traded publicly since the 2018 conversion, so outside shareholders do not control it.
Moat: narrow (scale, distribution). Established New Jersey branch franchise, strengthened by post-conversion excess capital.
Headquarters: Fair Lawn, New Jersey, US · Founded: 1927 · Employees: 796
Size Columbia Financial (CLBK) is a United States Financials company (Savings Banks) with a market value of $2.99B, the 1553rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $11.11 on 6 Nov 2026.
Performance Over six months the shares gained 25.3%, against +9.0% for the median peer and -1.1% for the United States market (cap-weighted) — highest of 15 in its peer set.
Growth Revenue grew 22.8% over the last twelve months (peer median +5.6%); the operating margin is 29.8% (peer median 41.9%).
Valuation It trades at 0.95× book value against a peer median of 1.23× (3rd cheapest of 15).
Price implies The share price implies a return on equity of about 6.2%; Columbia Financial delivers 2.3%, so the price asks more than the business earns today.
Short interest Short interest is 8.3% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $570M | $507M | $451M | $422M | $340M |
| Revenue growth | — | +13% | +7% | +24% | — |
| Net income | $48.5M | $51.8M | -$11.7M | $36.1M | $86.2M |
| Free cash flow | n/a | $58.6M | $25.9M | $33.1M | $135M |
| Capital expenditure | n/a | $9.84M | $7.45M | $7.63M | $7.20M |
| Total debt | $1.50B | $1.20B | $1.10B | $1.55B | $1.15B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Columbia Financial CLBK | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% |
| Provident Financial Services PFS | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% |
| OceanFirst Financial OCFC | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% |
| Kearny Financial KRNY | $585M | +10% | +1% | 5% | 0.77× | 6.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CLBK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.9% | +4.1% | 5th lowest of 16 |
| 6-month return | +25.3% | +9.0% | highest of 15 |
| Return on equity | 2.2% | 10.3% | lowest of 15 |
| Price / book | 0.95× | 1.23× | 3rd cheapest of 15 |
| Trailing P/E | 52.0× | 12.4× | most expensive of 15 |
| ROE the price implies | 6.2% | 9.9% | least demanding of 15 |
| ROE delivered | 2.3% | 10.3% | 2nd lowest of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |
| SpareBank 1 SMN MING.OL | Norway | $3.38B | +16% | -6% | 9% | 1.08× | 7.0% | 8.8% |
| WSFS Financial WSFS | United States | $3.99B | +10% | +2% | 12% | 1.53× | 12.4% | 12.4% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| TFS Financial TFSL | United States | $4.61B | +9% | +6% | 5% | 2.72× | 18.1% | 5.1% |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| Storebrand STB.OL | Norway | $8.94B | +13% | +40% | 14% | 2.56× | 16.1% | 13.9% |
| Sparebank 1 Sor-norge SB1NO.OL | Norway | $9.31B | +24% | -5% | 13% | 1.69× | 12.4% | 12.5% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |