- ISIN
- US1976411033
- CUSIP
- 197641103
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Apr 20, 2018
Highlights
- Market Cap
- $2.01B
- Enterprise Value
- $1.73B
- EPS (TTM)
- $0.55
- PE Ratio
- 35.95
- PEG Ratio
- 2.83
- Total Revenue (TTM)
- $505.68M
- Gross Profit (TTM)
- $199.14M
- EBITDA (TTM)
- $53.20M
- Year Range
- $13.66 - $21.20
- Target Price
- $17.00
- ROA (TTM)
- 0.51%
- ROE (TTM)
- 4.77%
Share Price Chart
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Performance
CLBK Performance Chart
Columbia Financial, Inc. (CLBK) is up 27.3% since the beginning of the year. At $20 per share, CLBK is trading 6.7% below its 52-week high of $21. Investors who bought $1,000 worth of CLBK shares 5 years ago would now be looking at an investment worth $1,150.
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Returns By Period
Columbia Financial, Inc. (CLBK) has returned 27.28% so far this year and 42.30% over the past 12 months.
Columbia Financial, Inc.
- 1D
- -1.25%
- 1M
- -2.85%
- YTD
- 27.28%
- 6M
- 20.68%
- 1Y
- 42.30%
- 3Y*
- 4.35%
- 5Y*
- 2.83%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
CLBK Monthly Returns History
Based on dividend-adjusted daily data since Apr 20, 2018, CLBK's average daily return is +0.03%, while the average monthly return is +0.48%. At this rate, an investment would double in approximately 12.1 years.
Historically, 51% of months were positive and 49% were negative. The best month was Jul 2024 with a return of +20.3%, while the worst month was Jul 2020 at -13.8%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 8 months.
On a daily basis, CLBK closed higher 50% of trading days. The best single day was Nov 6, 2024 with a return of +9.6%, while the worst single day was Oct 27, 2022 at -13.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.70% | 10.02% | -2.18% | 9.82% | 4.68% | -1.74% | 27.28% | ||||||
| 2025 | -6.45% | 7.30% | -5.48% | -10.20% | 6.24% | 1.40% | -0.83% | 4.45% | -0.13% | -1.73% | 7.32% | -1.83% | -1.71% |
| 2024 | -6.74% | -6.95% | 2.87% | -3.54% | -12.65% | 3.24% | 20.31% | -1.39% | -3.89% | 0.06% | 6.73% | -13.27% | -18.00% |
| 2023 | -8.19% | 6.30% | -13.36% | -8.21% | -3.75% | 7.06% | 1.10% | -1.83% | -8.45% | 2.48% | 2.17% | 17.20% | -10.82% |
| 2022 | 1.49% | 0.33% | 1.27% | -11.90% | 9.71% | 4.91% | -6.74% | 4.87% | -0.94% | -2.79% | 7.50% | -2.08% | 3.64% |
| 2021 | -0.90% | 5.97% | 6.98% | 4.52% | -2.74% | -3.10% | 4.76% | -0.06% | 2.61% | 0.65% | -2.04% | 14.36% | 34.06% |
Benchmark Metrics
Columbia Financial, Inc. has an annualized alpha of -2.34%, beta of 0.69, and R2 of 0.20 versus S&P 500 Index. Calculated based on daily prices since April 20, 2018.
- This stock participated in 40.28% of S&P 500 Index downside but only 25.87% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.69 may look defensive, but with R2 of 0.20 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.20 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- -2.34%
- Beta
- 0.69
- R²
- 0.20
- Upside Capture
- 25.87%
- Downside Capture
- 40.28%
Return for Risk
Risk / Return Rank
CLBK ranks 82 for risk / return — in the top 82% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Columbia Financial, Inc. (CLBK) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CLBK | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.52 | ||
| Sortino ratioReturn per unit of downside risk | -0.40 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.37 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 3.18 | 2.78 | +0.39 |
| Martin ratioReturn relative to average drawdown | 9.12 | 12.44 | -3.32 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Columbia Financial, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Columbia Financial, Inc. was 42.68%, occurring on Apr 21, 2025. The portfolio has not yet recovered.
The current Columbia Financial, Inc. drawdown is 13.25%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2025 selloff2025 | -42.68%Apr 2025 | 2y 8mo | — | 3y 11moJul 2022 - now |
2020 bear market2020 | -39.43%Sep 2020 | 2y 4mo | 5mo 16d | 2y 9moMay 2018 - Mar 2021 |
Bear market2022 | -16.08%Apr 2022 | 1mo 15d | 2mo 28d | 4mo 13dMar 2022 - Jul 2022 |
2021 correction2021 | -12.27%Jun 2021 | 1mo 23d | 3mo 11d | 5mo 4dApr 2021 - Sep 2021 |
2021 pullback2021 | -7.18%Nov 2021 | 19d | 2d | 21dNov 2021 - Dec 2021 |
Drawdown Indicators
| CLBK | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.68% | -56.78% | +14.10% |
Max Drawdown (1Y)Largest decline over 1 year | -13.38% | -9.10% | -4.28% |
Max Drawdown (3Y)Largest decline over 3 years | -33.86% | -18.90% | -14.96% |
Max Drawdown (5Y)Largest decline over 5 years | -42.68% | -25.43% | -17.25% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -13.25% | -1.80% | -11.45% |
Average DrawdownAverage peak-to-trough decline | -16.70% | -10.71% | -5.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.65% | 2.03% | +2.62% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Columbia Financial, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Columbia Financial, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CLBK, comparing it with other companies in the Banks - Regional industry. Currently, CLBK has a P/E ratio of 35.9. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CLBK compared to other companies in the Banks - Regional industry. CLBK currently has a PEG ratio of 2.8. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CLBK relative to other companies in the Banks - Regional industry. Currently, CLBK has a P/S ratio of 4.0. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CLBK in comparison with other companies in the Banks - Regional industry. Currently, CLBK has a P/B value of 1.7. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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