콜럼비아파이낸셜(CLBK) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 콜럼비아파이낸셜(CLBK)?

콜럼비아파이낸셜(CLBK) belongs to the Financial sector and operates in the Banks - Regional industry.

Q: What is the market cap of CLBK?

The market cap of CLBK is approximately $2.9B, ranking 1,824 within its sector.

Q: What is the P/E ratio of CLBK?

CLBK has a P/E ratio of approximately 43.4x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for CLBK?

CLBK has recorded a 52-week high of $11.74 and a low of $6.21.

CLBK

Columbia Financial Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$10.85

-0.03 ▼ -0.28%

🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)

$10.82

-0.03 ▼ -0.28%

콜럼비아파이낸셜(CLBK) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$2.9B

스몰캡

P/E

43.4

적정 수준

배당수익률

없음

52주 위치

84%

저점 +75% · 고점 -8%

애널리스트

보유

Fundamental health

vs. Banks - Regional 중형주

수익성

Top 89%

성장

Top 60%

밸류에이션

Top 2%

재무 안정

Top 61%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 53원. Over the past 5년, it usually traded around 32원. On the pricier side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	43.38	EPS (ttm) ⓘ	0.25	Insider Own ⓘ	78.69%	Shs Outstand ⓘ	229.1M	Perf Week ⓘ	-2.57%
Market Cap ⓘ	2.92B	Forward P/E ⓘ	31	EPS next Y ⓘ	4.05%	Insider Trans ⓘ	-	Shs Float ⓘ	65.8M	Perf Month ⓘ	18.87%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	0.07	Inst Own ⓘ	10.94%	Short Float ⓘ	14.72%	Perf Quarter ⓘ	31.37%
Income ⓘ	0.06B	P/S ⓘ	5.69	EPS this Y ⓘ	36.2%	Inst Trans ⓘ	-	Short Ratio ⓘ	3.06	Perf Half Y ⓘ	50.03%
Sales ⓘ	0.51B	P/B ⓘ	2.12	EPS next 5Y ⓘ	-	ROA ⓘ	0.52%	Short Interest ⓘ	9.69M	Perf YTD ⓘ	53.6%
Book/sh ⓘ	5.12	P/C ⓘ	-	EPS past 3/5Y ⓘ	-14.43% -0.64%	ROE ⓘ	4.92%	52W High ⓘ	-7.59% ($11.74)	Perf Year ⓘ	69.65%
Cash/sh ⓘ	-	P/FCF ⓘ	45.47	Sales past 3/5Y ⓘ	14.2% 9.23%	ROIC ⓘ	2.3%	52W Low ⓘ	74.74% ($6.21)	Perf 3Y ⓘ	43.88%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	3575%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	3.79% 3.19%	Perf 5Y ⓘ	36.48%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	12.8%	Oper. Margin ⓘ	14.93%	ATR (14) ⓘ	0.31	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	47.86%	Profit Margin ⓘ	10.9%	RSI (14) ⓘ	70.7	Recom ⓘ	3
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.04	Sales Q/Q ⓘ	5.37%	SMA20 ⓘ	6.85% ($10.15)	Beta ⓘ	0.22	Target Price ⓘ	$8.64
Payout ⓘ	-	Debt/Eq ⓘ	1.07	Earnings ⓘ	2026/4/20	SMA50 ⓘ	13.46% ($9.56)	Rel Volume ⓘ	2.07	Prev Close ⓘ	$10.88
Employees ⓘ	796	LT Debt/Eq ⓘ	1.07	EPS/Sales Surpr. ⓘ	-4.82% -	SMA200 ⓘ	33.51% ($8.13)	Avg Volume(3M) ⓘ	3.17M	Price ⓘ	$10.85
IPO ⓘ	2018/4/20	Option/Short ⓘ	Yes/Yes			Trades ⓘ	23219	Volume ⓘ	6,553,361	Change ⓘ	-0.28%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $119M (YoY +6%) · 순이익 $13M (YoY +47%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Columbia Financial Inc (CLBK) Investment Analysis

What kind of company is Columbia Financial Inc?

콜럼비아파이낸셜(CLBK)

Financial · Banks - Regional

#1824 by Market Cap — Mid-Cap

A New Jersey-based regional bank holding company. Through its subsidiary bank in the New Jersey region, it provides commercial and consumer banking, deposits, residential mortgages, and wealth management services, and has built a strong foothold in the local financial market on the basis of its community-focused branch network and stable deposit base. It operates a relationship banking model centered on the local community.

Learn more about Columbia Financial Inc →

Market Cap

$2.9B

Approx. KRW 4.0 trillion

⚖️ 1% of Samsung Electronics

Market Cap Rank1824

Employees796people

IPO2018/04/20

Current Price$10.85 ≈ 14,865원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 20일 (월) · 장 마감 후 EPS -4.8%

🔔 Earnings release 2026년 2월 2일 (월) · 장 시작 전 EPS +1.3%

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

14.9%

✓ 매우 부진

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 Median 27.0% · Bottom tier

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

10.9%

✓ 부진

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 Median 21.0% · Bottom 11%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

4.9%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 중형주 Median 12.1% · Bottom 14%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.5%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 중형주 Median 1.5% · Bottom 13%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

2.3%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 15%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

1.07

✓ Average

My positionMid-range

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.04

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$8.64

현재가 대비 -20.4%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

31.00배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+4.0%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

-0.4%

평균 서프라이즈

2026.04.20

하회

실적 $0.15 · 예상 $0.15 -5.4%

2026.02.02

상회

실적 $0.16 · 예상 $0.15 +4.5%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth

Mid-range within the industry

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+36.2%

양호

My positionMid-range

Low range Average High range

미분류 중형주 Median 7.3% · Top 39%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+4.0%

부진

My positionBottom 25%

Low range Average High range

미분류 중형주 Median 15.6% · Bottom 25%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-14.4%

평균

My positionMid-range

Low range Average High range

미분류 중형주 Median 18.2% · Bottom 25%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

-0.6%

평균

My positionMid-range

Low range Average High range

미분류 중형주 Median 6.4% · Bottom 40%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+9.2%

평균

My positionMid-range

Low range Average High range

미분류 중형주 Median 9.8% · Bottom 48%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+5.4%

평균

My positionMid-range

Low range Average High range

미분류 중형주 Median 10.8% · Bottom 40%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -32%p below the market

CLBK +36.5% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-31.9%p

Significantly behind the market

1-year basis

vs S&P 500

+53.6%p

well ahead of the market

Rank among peers

5-year return Lower-Mid (lower 47%) Based on 77 peers

1-year return Top among peers Based on 78 peers

Current position within 52-week range

Low (-74.7%p) High (-7.6%p)

Current price is 74.7% above the 52-week low and 7.6% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-55.7%

Annualized volatility

118.4%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $10.85 below the midline ($19.05). Normal downward flow. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴

Current diagnosis · 2026-07-27

Bearish momentum holding

MACD -2.246 < Signal -0.890 in negative zone + Hist negative (-1.356). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔵

Current diagnosis · 2026-07-27

Oversold zone — rebound potential

RSI 21.5 (30 or below). Selling pressure is excessive; a short-term rebound may be worth considering. Stoch %K is also 1.0.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Pricey

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

43.38x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 13.04x · Bottom 1% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

31.00x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 10.67x · Bottom 1% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

2.12x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 1.29x · Bottom 11% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

5.69x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 2.67x · Bottom 1% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

45.47x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 12.58x · Bottom 1% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$8.64 vs. current price -20.4%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 중형주

Who owns it?

Ownership flow shows some pressure

Short interest elevated 14.7% · Short interest up +8.6pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

No trading data for Institutions

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 10.9%

Retail-led

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 78.7%

Founder/management large holders (strong skin-in-the-game)

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 10.4%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

14.7%

Somewhat high

Financial 중형주 Median 5.1%

Past 90 days 📈 +8.6%p increase

Short interest days to cover

3.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 229.1M주

Float (tradable shares) 65.8M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding CLBK

ETFs with the highest weightings · 10 total shown

QABA

First Trust NASDAQ ABA Community Bank Index Fund

0.88%

$92M

ESSC

Eventide Small Cap ETF

0.43%

$36M

KRE

State Street SPDR S&P Regional Banking ETF

0.07%

$4.3B

FYX

First Trust Small Cap Core AlphaDEX Fund

0.06%

$1.4B

DPST

Direxion Daily Regional Banks Bull 3X ETF

0.05%

$458M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
CLBK This Stock	$2.9B	43.4 ▼	2.1 ▼	4.92% ▼	-	-0.3%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 콜럼비아파이낸셜(CLBK)?

콜럼비아파이낸셜(CLBK) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of CLBK?

The market cap of CLBK is approximately $2.9B, ranking 1,824 within its sector.

What is the P/E ratio of CLBK?

CLBK has a P/E ratio of approximately 43.4x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for CLBK?

CLBK has recorded a 52-week high of $11.74 and a low of $6.21.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.