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Upturn AI SWOT - About
CLBK 
Columbia Financial Inc (CLBK)
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Upturn Advisory Summary
03/13/2025: CLBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -49.04% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.59B USD | Price to earnings Ratio - | 1Y Target Price 18 |
Price to earnings Ratio - | 1Y Target Price 18 | ||
Volume (30-day avg) 114423 | Beta 0.16 | 52 Weeks Range 13.79 - 19.28 | Updated Date 03/31/2025 |
52 Weeks Range 13.79 - 19.28 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.04% | Operating Margin (TTM) -103.64% |
Management Effectiveness
Return on Assets (TTM) -0.11% | Return on Equity (TTM) -1.1% |
Valuation
Trailing PE - | Forward PE 72.46 | Enterprise Value 2381282816 | Price to Sales(TTM) 9.6 |
Enterprise Value 2381282816 | Price to Sales(TTM) 9.6 | ||
Enterprise Value to Revenue 14.83 | Enterprise Value to EBITDA - | Shares Outstanding 104730000 | Shares Floating 26801487 |
Shares Outstanding 104730000 | Shares Floating 26801487 | ||
Percent Insiders 74.38 | Percent Institutions 13.09 |
Analyst Ratings
Rating 4 | Target Price 19.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Columbia Financial Inc
Company Overview
History and Background
Columbia Financial, Inc. (CLBK) was originally established as Columbia Savings Bank. The bank was founded in 1927 in Fair Lawn, New Jersey. Over the years, it has grown through organic expansion and strategic acquisitions, focusing on community banking and financial services within its region. In 2018, Columbia Financial Inc completed its second-step conversion from a mutual holding company to a fully stock form.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial products to individuals and small businesses.
- Commercial Real Estate Lending: Offers financing solutions for commercial properties, contributing significantly to revenue.
- Residential Mortgage Lending: Provides mortgage loans to individuals for purchasing or refinancing homes.
Leadership and Structure
The leadership team consists of key executives responsible for overseeing the strategic direction and operations of the company. The organizational structure comprises various departments and divisions, including retail banking, commercial lending, and corporate functions. The CEO is Thomas J. Kemly.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties, targeting small to medium-sized businesses. Competitors include local and regional banks like OceanFirst Financial Corp (OCFC) and Provident Financial Services, Inc (PFS). Market share data is dispersed across regional banks.
- Residential Mortgages: Mortgage loans for home purchases and refinances. Competitors include larger national banks and mortgage lenders. Market share data is dispersed across regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include online banks like Ally Financial and traditional banks. Market share data is dispersed across regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Community banks face challenges from larger institutions and fintech companies.
Positioning
Columbia Financial Inc. positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and regional presence.
Total Addressable Market (TAM)
The TAM for community banking and lending services in Columbia Financial Inc.'s operating region is estimated to be in the billions of dollars. CLBK is positioned as a local financial institution looking to grow market share.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Solid capital base
- Experienced management team
Weaknesses
- Limited geographic reach
- Dependence on interest rate environment
- Smaller scale compared to larger banks
- Higher operating expenses relative to national competitors.
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in commercial real estate lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand
- Rising interest rates impacting profitability
- Regulatory changes
Competitors and Market Share
Key Competitors
- OceanFirst Financial Corp (OCFC)
- Provident Financial Services, Inc (PFS)
- Lakeland Bancorp, Inc. (LBAI)
Competitive Landscape
Columbia Financial Inc. competes primarily with other regional and community banks. CLBK focuses on building long-term customer relationships, while larger banks have broader product offerings and larger marketing budgets.
Major Acquisitions
No significant recent acquisitions
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: CLBK has experienced moderate growth through organic expansion and acquisitions. Check current financial sources for specific figures.
Future Projections: Analysts project moderate growth for CLBK, driven by continued expansion in its lending and deposit businesses. Check current financial sources for specific figures.
Recent Initiatives: CLBK has been investing in technology and expanding its branch network.
Summary
Columbia Financial Inc. is a community-focused bank with a strong regional presence. Its strengths lie in its customer relationships and local expertise. Challenges include competition from larger banks and dependence on the interest rate environment. Recent initiatives focus on technology and branch expansion to drive future growth.
Similar Companies
- OCFC
- PFS
- LBAI
- NYCB
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Sources
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Columbia Financial Inc
Exchange NASDAQ | Headquaters Fair Lawn, NJ, United States | ||
IPO Launch date 2018-04-20 | President, CEO & Director Mr. Thomas J. Kemly | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 708 | |
Full time employees 708 | |||
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 and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
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