
CLBK Stock Forecast & Price Target
CLBK Analyst Ratings
Bulls say
Columbia Financial is showing key indicators of robust financial health. The company's proactive liquidity-building efforts, exemplified by a 21% increase in borrowings to $1.4 billion, and consistent balance-sheet growth of 2% show a focus on long-term stability. Furthermore, the upticks in the yields on interest-earning assets and reductions in project costs due to decreased compensation and lowered federal insurance premiums highlight efficient operational strategies, marking Columbia Financial as a potentially successful investment opportunity.
Bears say
Columbia Financial is struggling with a declining Net Interest Margin (NIM), which has dropped 21 bps quarter over quarter to 1.85%, significantly more than anticipated, and showing a sustained negative trend. The bank's capital ratios are not excessively high anymore, with a TCE ratio of 8.68% and a decline of 34 bps quarter over quarter, which suggests potentially reduced buyback activity. Additionally, there are downward adjustments to its future Earnings Per Share (EPS) estimates, indicating weaker projected financial performance, along with risks of worsening asset quality, sharp interest rate increases, merger risks, and general downturn in bank stock valuations.
This aggregate rating is based on analysts' research of Columbia Financial, Inc and is not a guaranteed prediction by Public.com or investment advice.
CLBK Analyst Forecast & Price Prediction
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