CLBK
Columbia Financial, Inc. Common Stock
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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Columbia Financial (CLBK) Stock: Buy, Sell, or Hold?
$11.35
+0.02 (+0.18%)
▲
5d:
+1.7%
30d:
+4.42%
90d:
-3.07%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (29%)
Quality Score
31/100
Position
EXTENDED
30-Day Fair Range
$10.72 – $11.17
Position: EXTENDED
Forward P/E & Valuation
15.4x
CHEAP
vs 22.7x historical avg
Wall Street Target
$14.17
+24.8% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$10.55 / $11.45
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: CLBK shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.57
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.22
43.9% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 22.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CLBK is currently trading at $11.35, which is considered extended relative to its 30-day fair value range of $10.72 to $11.17. From a valuation perspective, the stock is trading at a discount (Forward PE: 15.4) compared to its historical average (22.7). Remarkably, the market is currently pricing in an annual earnings decline of 12.1% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, CLBK is in a strong downtrend. The price is approaching resistance at $11.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CLBK scores 23/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $14.17 (+24.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CLBK is in a strong downtrend. The price is approaching resistance at $11.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CLBK scores 23/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $14.17 (+24.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$10.72 -
$11.17
Company Quality Score
31/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
28.6%
Trading Range & Key Levels
30-Day Trading Range
$10.72 -
$11.17
Current vs Trading Range
EXTENDED
Support Level
$10.55
Resistance Level
$11.45
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (23/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.8% below Wall St target ($14.17)
- WARNING: Composite score 31/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
15.41
Wall Street Target
$14.17
(+24.8%)
Revenue Growth (YoY)
12.4%
Earnings Growth (YoY)
-69.8%
Profit Margin
17.6%
Valuation Discount vs History
-12.1% cheaper
PE vs Historical
15.4 vs 22.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-12.1%
(market-implied from PE analysis)
1-Year Target
$10.21
(-10%)
2-Year Target
$9.19
(-19%)
3-Year Target
$8.27
(-27%)
3-Yr Target (if PE normalizes)
(PE: 15→23)
$12.19
(+7%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 43.5%)
$43.25
(+281%)
Base:
(SPY PE: 15.4, Growth: 43.5%)
$33.55
(+196%)
Bear:
(PE: 13.1, Growth: 43.5%)
$28.52
(+151%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (38x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 37.77 | Current EPS (TTM): $0.30
Bull Case
$24.93
(+120%)
Analyst growth 100.0%, PE expands to 41.5
Base Case
$22.66
(+100%)
Market implied 100.0%, PE stable at 37.8
Bear Case
$7.70
(-32%)
Severe decline -20.0%, PE contracts to 32.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 15.4 to 22.7
Stabilization Target:
$16.72
(+47.3%)
PE Expansion Potential:
+47.3%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CLBK)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jul 21, 2026
Daily AI digest
AI Retail Discussion Summary:
The broad market is showing positive sentiment with the S&P 500 ETF up 0.4%. Columbia Financial, Inc. (CLBK) announced the completion of a conversion and stock offering, as well as the acquisition of Northfield Bancorp, Inc.
Key Retail Themes:
Market recovery
Company news
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 1:37 AM ET
Data refreshes hourly during market hours. Next update: 2:37 AM
Data refreshes hourly during market hours. Next update: 2:37 AM
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Technical Signals Check
Is CLBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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