CLBK Stock Analysis: Buy, Sell, or Hold?
CLBK - Columbia Financial, Inc. Common Stock
$16.27
-0.05 (-0.31%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CLBK shows positive signals but monitor for confirmation. Market pricing in 0.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: CLBK shows positive signals but monitor for confirmation. Market pricing in 0.7% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.04
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$19.27
15.6% 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 23.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CLBK is currently trading at $16.27, which is considered extended relative to its 30-day fair value range of $15.46 to $16.16. The stock's valuation (Forward PE: 23.6) is in line with its historical norms (23.1). At these levels, the market is pricing in 0.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CLBK is in a uptrend. Immediate support is located at $15.38, while resistance sits at $16.89.
Market Sentiment: CLBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $18.00 (+10.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CLBK is in a uptrend. Immediate support is located at $15.38, while resistance sits at $16.89.
Market Sentiment: CLBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $18.00 (+10.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$15.46 -
$16.16
Company Quality Score
58/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
62.3%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($18.00)
- NEUTRAL: Market pricing in 0.7% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$15.46 -
$16.16
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$0.72
(4.4%)
Support & Resistance Levels
Support Level
$15.38
Resistance Level
$16.89
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
23.65
Wall Street Target
$18.00
(+10.3%)
Revenue Growth (YoY)
29.4%
Earnings Growth (YoY)
142.9%
Profit Margin
7.3%
Valuation Premium vs History
+0.7% premium
PE vs Historical
23.7 vs 23.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.7%
(market-implied from PE analysis)
1-Year Target
$16.43
(+1%)
2-Year Target
$16.55
(+1%)
3-Year Target
$16.67
(+2%)
3-Yr Target (if PE normalizes)
(PE: 24→23)
PE COMPRESSION
$16.28
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.7, Growth: 38.0%)
$42.89
(+163%)
Base:
(SPY PE: 22.3, Growth: 38.0%)
$40.44
(+148%)
Bear:
(PE: 19.0, Growth: 38.0%)
$34.37
(+111%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (72x PE), but valuation improves significantly next year (24x PE) as earnings recover.
Forward PE: 72.46 | Forward EPS (Implied): $0.22
Bull Case
$19.65
(+21%)
Analyst growth 15.0%, PE expands to 76.1
Base Case
$16.27
(0%)
Market implied 0.0%, PE stable at 72.5
Bear Case
$12.45
(-24%)
Severe decline -15.0%, PE contracts to 65.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 7:39 AM ET
Data refreshes hourly during market hours. Next update: 8:39 AM
Data refreshes hourly during market hours. Next update: 8:39 AM
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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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Advanced CLBK Option Strategies
Professional options setups generated by AI based on today's CLBK price and gamma walls.
