Columbia Financial (CLBK)
Community bank for deposits and real estate lending across New Jersey and New York.
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Provides deposit accounts, residential and commercial real estate loans, business credit, and related financial services through Columbia Bank. Earns mainly from the spread on loans and securities funded by deposits and borrowings, with an expanded New Jersey and New York City branch network and a real-estate-heavy loan book.
Operates Columbia Bank, a federally chartered savings bank serving consumers and businesses through 100-plus offices across New Jersey, Staten Island, and Brooklyn. Core products include checking and savings accounts, residential mortgages, multifamily and commercial real estate loans, construction and commercial business credit, and home-equity lending. Cash management, wealth management, title and settlement, and insurance services add fee income.
Builds customer relationships through local branches, regional lending teams, and digital banking, using deposits and borrowings to fund loans and securities. The completed Northfield acquisition expanded the branch and deposit franchise and brought the bank into New York metropolitan markets; combining operations and systems is now an execution dependency. Earnings are driven mainly by net interest spread, and the holding company depends on dividends from the regulated bank. The combined loan book remains weighted toward residential, multifamily, and commercial real estate.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 17, 2026 | New Street | Target | Target: — | Target: $14 |
| Aug 17, 2026 | Capital One Financial | Target | Target: — | Target: $14 |
| Aug 17, 2026 | Keefe, Bruyette & Woods | Initiate | Rating: — | |
| Aug 11, 2026 | Piper Sandler | Upgrade | Target: $17 | Target: $14 |
| Nov 24, 2025 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $17 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.09B · Total debt $1.22B · Total assets $12.17B · Shareholders' equity $1.20B
- Revenue
- $122.3M
- Operating income
- $9.2M
- Net income
- $14.5M
HistoryDividendAnnual yield
| Institutions | ≈ 15.95% | 36.52M shares | |
|---|---|---|---|
| 132 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 0.83% | 1.89M shares | |
| 19 holders · as of Sep 22, 2026 | |||
| Other | ≈ 83.22% | 190.49M shares | |
| remainder | |||
228.90M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 2.35% | 2.45M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 2.02% | 2.10M | as of Jun 30, 2026 |
Ursa Fund Management, LLCInstitution | 1.23% | 1.28M | as of Jun 30, 2026 |
State Street CorpInstitution | 1.18% | 1.23M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 1.13% | 1.18M | as of Jun 30, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Columbia Financial | $11.35 | −0.31% | $2.54B | 43.7 | 30.6 | 5.0 | +15.5% |
| Provident Financial Services | $22.60 | −0.24% | $2.95B | 9.4 | 9.1 | 2.1 | +9.7% |
| OceanFirst | $17.35 | −0.14% | $1.05B | 20.5 | 8.6 | 1.5 | +36.3% |
| Valley National Bancorp | $13.09 | −0.22% | $7.27B | 10.9 | 9.3 | 2.4 | +13.3% |
| Kearny Financial | $9.50 | −0.52% | $601.0M | 16.8 | 12.0 | 1.7 | +11.9% |
| Dime Commercial Bancshares | $40.38 | −0.39% | $1.79B | 14.6 | 10.6 | 2.4 | +17.1% |
| ConnectOne Bancorp | $31.05 | −0.50% | $1.57B | 9.7 | 8.9 | 2.6 | +46.0% |
| WSFS Bank | $77.17 | +0.36% | $4.00B | 12.9 | 11.7 | 2.9 | +5.6% |
| Median | 12.9 | 9.3 | 2.4 | +13.3% |