CLBK Stock Analysis: Buy, Sell, or Hold?
CLBK - Columbia Financial, Inc. Common Stock
$11.79
0.03 (0.26%)
â˛
5d:
+0.0%
30d:
+7.08%
90d:
-41.72%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
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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 -8.9% 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 -8.9% 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
$30.35
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$18.85
37.4% 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 24.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CLBK is currently trading at $11.79, which is considered fair relative to its 30-day fair value range of $8.84 to $18.07. From a valuation perspective, the stock is trading at a discount (Forward PE: 18.6) compared to its historical average (24.6). Remarkably, the market is currently pricing in an annual earnings decline of 8.9% 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 downtrend. The price is approaching resistance at $12.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CLBK scores 13/100 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 (+20.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CLBK is in a downtrend. The price is approaching resistance at $12.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CLBK scores 13/100 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 (+20.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$8.84 -
$18.07
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
50.0%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (13/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.2% below Wall St target ($14.17)
- WARNING: Composite score 36/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$8.84 -
$18.07
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$10.76
Resistance Level
$12.00
Current Trend
Downtrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.61
Wall Street Target
$14.17
(+20.2%)
Revenue Growth (YoY)
13.1%
Earnings Growth (YoY)
16.7%
Profit Margin
21.8%
Valuation Discount vs History
-8.9% cheaper
PE vs Historical
18.6 vs 24.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.9%
(market-implied from PE analysis)
1-Year Target
$10.74
(-9%)
2-Year Target
$9.78
(-17%)
3-Year Target
$8.91
(-24%)
3-Yr Target (if PE normalizes)
(PE: 19â25)
$11.78
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 26.6%)
$25.78
(+119%)
Base:
(SPY PE: 18.6, Growth: 26.6%)
$23.90
(+103%)
Bear:
(PE: 15.8, Growth: 26.6%)
$20.32
(+72%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 21.38 | Current EPS (TTM): $0.55
Bull Case
$14.90
(+26%)
Analyst growth 15.2%, PE expands to 23.5
Base Case
$13.55
(+15%)
Market implied 15.2%, PE stable at 21.4
Bear Case
$8.00
(-32%)
Severe decline -20.0%, PE contracts to 18.2
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 18.6 to 24.6
Stabilization Target:
$15.59
(+32.2%)
PE Expansion Potential:
+32.2%
Share & Embed Analysis
Last updated: August 23, 2026 5:48 PM ET
Data refreshes hourly during market hours. Next update: 6:48 PM
Data refreshes hourly during market hours. Next update: 6:48 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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