Columbia Financial (CLBK) Stock: Buy, Sell, or Hold?
CLBK - Columbia Financial, Inc. Common Stock
$11.53
-0.01 (-0.09%)
âŧ
5d:
-1.45%
30d:
-1.03%
90d:
-44.38%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: CLBK is fairly priced but lacks strong directional signals. At -9.0% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: CLBK is fairly priced but lacks strong directional signals. At -9.0% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.74
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$18.46
37.6% 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 24.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CLBK is currently trading at $11.53, which is considered fair relative to its 30-day fair value range of $11.08 to $11.84. From a valuation perspective, the stock is trading at a discount (Forward PE: 18.2) compared to its historical average (24.1). Remarkably, the market is currently pricing in an annual earnings decline of 9.0% over the next few years. This pessimistic expectation contrasts with the company's recent 16.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CLBK is in a strong downtrend. The price is currently testing key support at $11.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $14.17 (+22.9%). 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 currently testing key support at $11.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $14.17 (+22.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$11.08 -
$11.84
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (49/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.9% below Wall St target ($14.17)
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$11.08 -
$11.84
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$11.35
Resistance Level
$11.80
Current Trend
Strong Downtrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.20
Wall Street Target
$14.17
(+22.9%)
Revenue Growth (YoY)
13.1%
Earnings Growth (YoY)
16.7%
Profit Margin
21.8%
Valuation Discount vs History
-9.0% cheaper
PE vs Historical
18.2 vs 24.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-9.0%
(market-implied from PE analysis)
1-Year Target
$10.49
(-9%)
2-Year Target
$9.55
(-17%)
3-Year Target
$8.69
(-25%)
3-Yr Target (if PE normalizes)
(PE: 18â24)
$11.51
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 26.6%)
$25.91
(+125%)
Base:
(SPY PE: 18.2, Growth: 26.6%)
$23.38
(+103%)
Bear:
(PE: 15.5, Growth: 26.6%)
$19.87
(+72%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 20.98 | Current EPS (TTM): $0.55
Bull Case
$14.62
(+27%)
Analyst growth 15.2%, PE expands to 23.1
Base Case
$13.29
(+15%)
Market implied 15.2%, PE stable at 21.0
Bear Case
$7.85
(-32%)
Severe decline -20.0%, PE contracts to 17.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 18.2 to 24.1
Stabilization Target:
$15.27
(+32.4%)
PE Expansion Potential:
+32.4%
Share & Embed Analysis
Last updated: September 12, 2026 8:37 PM ET
Data refreshes hourly during market hours. Next update: 9:37 PM
Data refreshes hourly during market hours. Next update: 9:37 PM
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Technical Signals Check
Is CLBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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