Columbia Financial Stock Buy Hold or Sell Recommendation
| CLBK Stock | USD 18.23 0.03 0.16% |
Given the investment horizon of 90 days and your typical level of risk aversion, our recommendation regarding Columbia Financial is 'Hold'. The recommendation algorithm takes into account all of Columbia Financial's available fundamental, technical, and predictive indicators you will find on this site.
Check out Columbia Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide. Note, we conduct extensive research on individual companies such as Columbia and provide practical buy, sell, or hold advice based on investors' constraints. Columbia Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Columbia |
Execute Columbia Financial Buy or Sell Advice
The Columbia recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Columbia Financial. Macroaxis does not own or have any residual interests in Columbia Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Columbia Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Columbia Financial Trading Alerts and Improvement Suggestions
| Columbia Financial is unlikely to experience financial distress in the next 2 years | |
| About 74.0% of the company shares are held by company insiders | |
| Latest headline from seekingalpha.com: Columbia Financial appoints new COO |
Columbia Financial Returns Distribution Density
The distribution of Columbia Financial's historical returns is an attempt to chart the uncertainty of Columbia Financial's future price movements. The chart of the probability distribution of Columbia Financial daily returns describes the distribution of returns around its average expected value. We use Columbia Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Columbia Financial returns is essential to provide solid investment advice for Columbia Financial.
| Mean Return | 0.08 | Value At Risk | -3.45 | Potential Upside | 3.21 | Standard Deviation | 2.11 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Columbia Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Columbia Stock Institutional Investors
| Shares | Norges Bank | 2024-06-30 | 110.9 K | Goldman Sachs Group Inc | 2024-09-30 | 109.5 K | First Trust Advisors L.p. | 2024-09-30 | 98.6 K | Nuveen Asset Management, Llc | 2024-09-30 | 83.3 K | Ubs Asset Mgmt Americas Inc | 2024-09-30 | 72.2 K | D. E. Shaw & Co Lp | 2024-09-30 | 65.6 K | Swiss National Bank | 2024-09-30 | 62.3 K | American Century Companies Inc | 2024-09-30 | 51.8 K | Barclays Plc | 2024-09-30 | 49.5 K | Vanguard Group Inc | 2024-09-30 | 2.7 M | Blackrock Inc | 2024-06-30 | 2.3 M |
Columbia Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | (574.1M) | 106.4M | (461.7M) | (751.1M) | (218.1M) | (229.0M) | |
| Change In Cash | 33.3M | 347.4M | (352.0M) | 108.3M | 244.0M | 256.2M | |
| Net Borrowings | 135.1M | 90M | (483.8M) | 744.0M | 855.6M | 898.4M | |
| Free Cash Flow | 104.4M | 43.3M | 93.2M | 135.0M | 33.1M | 31.4M | |
| Depreciation | 5.0M | 10.4M | 11.6M | 13.4M | 14.0M | 8.9M | |
| Other Non Cash Items | 99.0M | 7.2M | (17.4M) | 7.2M | 11.4M | 15.8M | |
| Capital Expenditures | 19.3M | 4.6M | 5.5M | 7.2M | 7.6M | 6.8M | |
| Net Income | 54.7M | 57.6M | 92.0M | 86.2M | 36.1M | 56.8M | |
| End Period Cash Flow | 75.5M | 423.0M | 71.0M | 179.2M | 423.2M | 444.4M | |
| Change To Netincome | 111.8M | 32.1M | 7.1M | 23.0M | 20.7M | 25.4M | |
| Change Receivables | (959K) | (6.7M) | 2.0M | (4.7M) | (4.2M) | (4.4M) |
Columbia Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Columbia Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Columbia Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Columbia stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.16 | |
β | Beta against Dow Jones | 1.80 | |
σ | Overall volatility | 2.14 | |
Ir | Information ratio | -0.03 |
Columbia Financial Volatility Alert
Columbia Financial has relatively low volatility with skewness of 1.35 and kurtosis of 5.56. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Columbia Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Columbia Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Columbia Financial Fundamentals Vs Peers
Comparing Columbia Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Columbia Financial's direct or indirect competition across all of the common fundamentals between Columbia Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Columbia Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Columbia Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Columbia Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Columbia Financial to competition |
| Fundamentals | Columbia Financial | Peer Average |
| Return On Equity | 0.0155 | -0.31 |
| Return On Asset | 0.0015 | -0.14 |
| Profit Margin | 0.08 % | (1.27) % |
| Operating Margin | 0.18 % | (5.51) % |
| Current Valuation | 3.02 B | 16.62 B |
| Shares Outstanding | 104.72 M | 571.82 M |
| Shares Owned By Insiders | 74.38 % | 10.09 % |
| Shares Owned By Institutions | 12.74 % | 39.21 % |
| Number Of Shares Shorted | 2.37 M | 4.71 M |
| Price To Earning | 33.76 X | 28.72 X |
| Price To Book | 1.77 X | 9.51 X |
| Price To Sales | 9.50 X | 11.42 X |
| Revenue | 233.25 M | 9.43 B |
| Gross Profit | 291.69 M | 27.38 B |
| EBITDA | (239 K) | 3.9 B |
| Net Income | 36.09 M | 570.98 M |
| Cash And Equivalents | 102.05 M | 2.7 B |
| Cash Per Share | 0.93 X | 5.01 X |
| Total Debt | 1.53 B | 5.32 B |
| Debt To Equity | 8.71 % | 48.70 % |
| Book Value Per Share | 10.62 X | 1.93 K |
| Cash Flow From Operations | 40.72 M | 971.22 M |
| Short Ratio | 27.67 X | 4.00 X |
| Earnings Per Share | 0.15 X | 3.12 X |
| Target Price | 18.5 | |
| Number Of Employees | 720 | 18.84 K |
| Beta | 0.17 | -0.15 |
| Market Capitalization | 1.91 B | 19.03 B |
| Total Asset | 10.65 B | 29.47 B |
| Retained Earnings | 893.6 M | 9.33 B |
| Net Asset | 10.65 B |
Note: Acquisition by John Klimowich of tradable shares of Columbia Financial at 18.21 subject to Rule 16b-3 [view details]
Columbia Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Columbia . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Columbia Financial Buy or Sell Advice
When is the right time to buy or sell Columbia Financial? Buying financial instruments such as Columbia Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Columbia Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy Columbia Stock please use our How to buy in Columbia Stock guide.You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Columbia Financial. If investors know Columbia will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Columbia Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.33) | Earnings Share 0.15 | Revenue Per Share 1.977 | Quarterly Revenue Growth (0.08) | Return On Assets 0.0015 |
The market value of Columbia Financial is measured differently than its book value, which is the value of Columbia that is recorded on the company's balance sheet. Investors also form their own opinion of Columbia Financial's value that differs from its market value or its book value, called intrinsic value, which is Columbia Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Columbia Financial's market value can be influenced by many factors that don't directly affect Columbia Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Columbia Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Columbia Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Columbia Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.