MARKET WIREStocktwits • 23h ago
CLBK: Columbia Financial, Inc Latest Stock Price, Analysis, News and Trading IdeasStocktwits report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
Why CLBK Stock advanced +1.00% Today — RQD Quant Desk Flash
$11.15 +1.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $11.15
Columbia Financial Inc. (CLBK) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D+ • SELL / AVOID
Cap $2.98B
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Is CLBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Columbia Financial Inc. (NASDAQ: CLBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $11.15 (+1.00% 1D, market cap $2.98B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, CLBK ranks #545 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CLBK compare to PFS and BKU in the Financials sector?
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Within the Financials sector (Savings Institutions), CLBK carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PFS (Provident Financial Services Inc) holds a C grade (65/100 RQD, P/E 10.4x, ROIC 10.3%, cap $2.99B) and BKU (BankUnited Inc.) posts a D+ grade (54/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.06B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CLBK?
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Per CLBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002115119), Columbia Financial Inc. generated $4.63B in revenue, $0 in net income, and $0 in free cash flow against $11.02B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $11.15 (-0.01%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.8% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D+
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CLBK)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY CLBK SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (22% of score)
20D Institutional Volume Accumulation (±5% realized swing band)
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)
Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$10.87-2% Next Q
46
Q2 (-2Q)Grade D$10.65+1.9% Next Q
49
Q3 (-1Q)Grade C-$10.85+2.8% Next Q
51
CurrentGrade D+$11.15-0.7% Hist 90D α
54
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a CLBK Turnaround Squeeze
While CLBK currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.18) and Max Pain ($11.71) forces dealer call-delta covering toward $12.92.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $CLBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CLBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CLBK Stock advanced +1.00% Today — RQD Quant Desk Flash
Columbia Financial Inc. (CLBK) advanced +1.00% to $11.15, trading at 84% of its 52-week range ($6.56 – $12). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 84% of its 52-week range ($6.56 – $12) with RSI-14 at 53 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5% around $11.15 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $83.3M annual free cash flow.
Live CLBK Headlines & Catalysts
MARKET WIREYahoo Finance • 1d ago
Columbia Financial (CLBK) Q3 Earnings Top EstimatesYahoo Finance report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESeeking Alpha • 1d ago
Columbia Financial Appears Poised For Earnings Expansion Following Second-Step ConversionSeeking Alpha report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStock Titan • 1d ago
A trustee buys 14.9361 deferred stock units for Columbia Financial (CLBK) director Noel R. Holland.Stock Titan report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREwww.marketscreener.com • 1d ago
Earnings Flash (CLBK) Columbia Financial, Inc. Posts Q3 Adjusted EPS $0.16 per Share, vs. FactSet Est of $0.15www.marketscreener.com report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Columbia Financial: Q3 Earnings SnapshotYahoo Finance report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREMarketBeat • 1d ago
Columbia Financial (CLBK) Set to Post Earnings on MondayMarketBeat report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
CATALYSTSimply Wall St • 1d ago
Earnings Beat Might Change The Case For Investing In Columbia Financial Stock (CLBK)Simply Wall St report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo • 4d ago
Columbia Financial (CLBK) Reports Q3 Earnings: What Key Metrics Have to SayThe headline numbers for Columbia Financial (CLBK) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and
CATALYSTBenzinga • 4d ago
Columbia Financial Q3 Adj. EPS $0.16 Beats $0.15 Estimate, Sales $100.473M Miss $102.839M EstimateColumbia Financial (NASDAQ:CLBK) reported quarterly earnings of $0.16 per share which beat the analyst consensus estimate of $0.15 by 6.67 percent. This is a 6.67 percent increase over earnings of $0.15 per share from
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CLBK)
- ✓Walkthrough of CLBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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CLBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +31.02%⚡ TESTING RESISTANCE
2026-11-03O $10.73H $11.15L $10.73C $11.15VOL 5.89M
RES: $11.16SUP: $10.53SMA50: $11.18SMA200: $9.57
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
CLBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on CLBK today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for CLBK. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CLBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CLBK)
Financials Rank #545 of 1097
⚔️ PFS vs CLBK Full Matrix →
1. Head-to-Head Financials Peer Comparison (CLBK vs. PFS, BKU, TFSL, EBC)
Industry: Savings Institutions (33 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Columbia Financial Inc. (CLBK) ranks #545 by composite RQD confidence (54/100, grade D+) and #369 by equity capitalization ($2.98B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with CLBK at 54/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CLBK
ACTIVE
Columbia Financial Inc. | D+ | 54/100 | — | — | — | +1.00% | $2.98B | Benchmark Subject |
| PFS Provident Financial Services Inc | C | 65/100 | 10.4x | — | 10.3% | +2.66% | $2.99B | /pfs-vs-clbk → |
| BKU BankUnited Inc. | D+ | 54/100 | 11.5x | — | 8.8% | +2.42% | $3.06B | /bku-vs-clbk → |
| TFSL TFS Financial Corporation | D | 50/100 | 51.7x | — | 4.8% | +0.55% | $4.61B | /tfsl-vs-clbk → |
| EBC Eastern Bankshares Inc. | C+ | 68/100 | 58.6x | — | 0.7% | +2.41% | $5.12B | /ebc-vs-clbk → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2025–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002115119 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Columbia Financial Inc. (CLBK) reported GAAP revenue of $4.63B , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, CLBK closed FY2025 with $11.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $4.63B | $0 | — | — | $11.02B | — |
3. CLBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs CLBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Columbia Financial Inc. (NASDAQ: CLBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $11.15 (+1.00% 1D, market cap $2.98B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, CLBK ranks #545 in composite RQD confidence.
How does CLBK compare to PFS and BKU in the Financials sector?
Within the Financials sector (Savings Institutions), CLBK carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PFS (Provident Financial Services Inc) holds a C grade (65/100 RQD, P/E 10.4x, ROIC 10.3%, cap $2.99B) and BKU (BankUnited Inc.) posts a D+ grade (54/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.06B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).
What are the biggest fundamental strengths and SEC risk factors for CLBK?
Per CLBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002115119), Columbia Financial Inc. generated $4.63B in revenue, $0 in net income, and $0 in free cash flow against $11.02B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Where is CLBK trading relative to its 50-day, 200-day, and 52-week technical levels?
CLBK last traded at $11.15 (+1.00% on volume of 5,544,882 shares), positioning the stock -0.27% below its 50-day simple moving average ($11.18) and +16.51% above its 200-day simple moving average ($9.57). Across its 52-week range of $6.56 to $12.00, CLBK sits at the 84.4% percentile with a 14-day RSI of 53.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($10.59 to $11.71).
ROARABLE RATING BRIEF • RQD 54/100 (D+)
✓ SEC XBRL & RQD VERIFIED
CLBK — Columbia Financial Inc.: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
Columbia Financial Inc. (CLBK) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $11.15 (+1.00% 1D, market capitalization $2.98B).
- Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
- Whale 13F & Options Flow (12/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Columbia Financial Inc. Is a NASDAQ-listed issuer in the Financials sector and Savings Institutions industry. The profile identifies its market capitalization as $2.9B. — for specific products, customers, or revenue model descriptions beyond the sector and industry classification.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Columbia Financial Inc. (CLBK) reported $4.63B in annual revenue and $0 in GAAP net income. Operating cash flow reached $0 and free cash flow totaled $0, backed by $11.02B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 54/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $6.56 – $12.00 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
The supply chain is NONE, with no upstream or downstream links and no proprietary signals listed. Sector correlations and second-order bottlenecks are — The only sector classification provided is Financials / Savings Institutions.
- Key Question #1: Can CLBK sustain or expand its — operating margin and — ROIC against Savings Institutions peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $4.63B and free cash flow of $0, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is CLBK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
CLBK Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Columbia Financial Inc. (CLBK) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Stocktwits • 23h ago
CLBK: Columbia Financial, Inc Latest Stock Price, Analysis, News and Trading Ideas Stocktwits report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Columbia Financial (CLBK) Q3 Earnings Top Estimates Yahoo Finance report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 1d ago
Columbia Financial Appears Poised For Earnings Expansion Following Second-Step Conversion Seeking Alpha report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stock Titan • 1d ago
A trustee buys 14.9361 deferred stock units for Columbia Financial (CLBK) director Noel R. Holland. Stock Titan report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.marketscreener.com • 1d ago
Earnings Flash (CLBK) Columbia Financial, Inc. Posts Q3 Adjusted EPS $0.16 per Share, vs. FactSet Est of $0.15 www.marketscreener.com report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Columbia Financial: Q3 Earnings Snapshot Yahoo Finance report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE MarketBeat • 1d ago
Columbia Financial (CLBK) Set to Post Earnings on Monday MarketBeat report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Simply Wall St • 1d ago
Earnings Beat Might Change The Case For Investing In Columbia Financial Stock (CLBK) Simply Wall St report covering Columbia Financial Inc. (CLBK) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
CLBK Bull vs. Bear Conversation Board — What's Your Call at $11.15?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CLBK 🐻 33% BEARISH CONVICTION
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH
🎯 Target: $13.03 (+18.0%)
📌 Pinned Debate Forensic balance sheet metrics (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) are the strongest pillar in the RQD rating at 13 of 20.
Here is why I am bullish on CLBK here at $11.04: Forensic balance sheet metrics (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) are the strongest pillar in the RQD rating at 13 of 20.. Compare CLBK's 0.0% operating margin and 0.0% ROIC against the rest of Savings Institutions. As long as cash conversion holds up, dips toward $10.49 are getting bought.
EarningsSniper 🐂 BULL
Both sides have a point here — CLBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.
CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH
🎯 Target: $8.50 (-23.0%)
Spot @ $11.04 ROIC and FCF yield are both 0% and the FY 2025 revenue, operating income, and net income are all reported as $0.0M, leaving no measurab
ROIC and FCF yield are both 0% and the FY 2025 revenue, operating income, and net income are all reported as $0.0M, leaving no measurable cash-generation support for the price.. Look at the math on CLBK: paying current EV/EBITDA multiples for 0.0% ROIC and 0.0% operating margins leaves zero margin of safety if Savings Institutions demand softens. I'd wait for a retest of $9.72 before getting long.