Columbia Financial, Inc. (CLBK) Stock Analysis

Q: What is the CLBK stock price target?

Take-profit $19.55 (-0.3% upside). Target $19.55 (-0.3%), stop $18.83 (−4.1%), A.R:R -2.1:1.

Breakout setup

HoldModerate ConfidenceUpdated 15 hr ago (May 20, 2026, 1:41 AM ET)

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $19.61, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.2% away).

Columbia Financial is a New Jersey savings bank holding company for Columbia Bank, operating 71 branches in 12 counties with a pending merger with Northfield Bancorp expected to close Q3 2026. It earns interest income primarily from multifamily and commercial real estate loans,... Read more

$19.61-0.3% A.UpsideScore 5.7/10#86 of 142 Banks - Regional

QualityF-score8 / 9FCF yield—

Stop $18.83Target $19.55(resistance)A.R:R -2.1:1

Analyst target$19.00-3.1%2 analysts

Range unavailable (2 analysts)

Hold if already holding. Not a fresh buy at $19.61, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.2% away). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 62d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Recent Developments — Columbia Financial, Inc.

Latest news

Columbia Financial Commences 192.6M Common Stock Offering At $10 Per Share — benzinga May 11, 2026 neutral
CORRECTION: Columbia Financial Q1 Adj. EPS $0.15, Inline, Sales $67.138M Beat $60.700M Estimate — benzinga Apr 20, 2026 positive
Columbia Financial Q1 Adj. EPS $0.13 Misses $0.15 Estimate, Sales $67.138M Beat $60.700M Estimate — benzinga Apr 20, 2026 neutral

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards

Sector modifier (Financial Services): +1.0

Strong earnings beat streak (3/4)

Strong growth profile

Risks

Analyst target reached - limited upside remaining

Near 52-week high (1.2% away)

V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2)

Key Metrics

P/E (TTM)36.1

P/E (Fwd)25.4

Mkt Cap$2.1B

EV/EBITDA—

Profit Mgn21.6%

ROE4.9%

Rev Growth18.5%

Beta0.24

DividendNone

Rating analysts7

Quality Signals

Piotroski F8/9

Options Flow

P/C4.20bearish

IV66%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value6.115%0.91

Quality5.215%0.78

Growth8.615%1.29

Momentum6.610%0.66

Sentiment4.810%0.48

Insider Activity5.010%0.50

Peer Rank3.210%0.32

Technical Setup4.75%0.24

Risk Profile4.45%0.22

Catalyst6.25%0.31

Overall (Σ contributions)5.71

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank

0.2

Quality Rank

0.7

Growth Rank

6.8

GatesA.R:R -2.1=NEGATIVEMomentum 6.6>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 62d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive

RSI

60 · Neutral

↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $17.97Resistance $19.95

Price Targets

$19

$20

A.Upside-0.3%

A.R:R-2.1:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeRisk-Off

Risk Alerts

! Target reached (-17.6% upside)

! Negative risk/reward — downside exceeds upside

Earnings

3/4 beats

Next Earnings2026-07-20 (62d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is CLBK stock a buy right now?

Hold if already holding. Not a fresh buy at $19.61, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.2% away). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Target $19.55 (-0.3%), stop $18.83 (−4.1%), A.R:R -2.1:1. Score 5.7/10, moderate confidence.

What is the CLBK stock price target?

Take-profit target: $19.55 (-0.3% upside). Target $19.55 (-0.3%), stop $18.83 (−4.1%), A.R:R -2.1:1. Stop-loss: $18.83.

What are the risks of investing in CLBK?

Analyst target reached - limited upside remaining; Near 52-week high (1.2% away); V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).

Is CLBK overvalued or undervalued?

Columbia Financial, Inc. trades at a P/E of 36.1 (forward 25.4). TrendMatrix value score: 6.1/10. Verdict: Hold.

What do analysts say about CLBK?

7 analysts cover CLBK with a consensus score of 2.3/5. Average price target: $19.

What does Columbia Financial, Inc. do?Columbia Financial is a New Jersey savings bank holding company for Columbia Bank, operating 71 branches in 12 counties...