Oct 12 close
Columbia Financial heads into its Q3 2026 earnings report, scheduled after market close on 19 October, with analysts projecting $0.0667 per share on $129.93 million in revenue. The prior quarter showed $0.14 EPS on $73.75 million in revenue alongside a declared $0.05 quarterly dividend, a 1.7% yield. Sentiment in recent coverage is mixed: one piece points to a consensus "Buy" rating with a $15.10 target, while another flags weak sentiment across timeframes and elevated downside risk. Several insiders, including the CEO and Chief Risk Officer, added shares through non-discretionary deferral-plan purchases.
CLBK closed at $10.86, up 0.6%, sitting between its 50-day average of $11.36 and 200-day average of $9.28. The GekkoIndex reads 64, placing the stock in the Accumulation zone, up 5.5 over five days. Price sits 13% below Gekko Fair Value of $12.48. Returns have been strong over six months and a year, up 32.1% and 64.8% respectively, though the past month slipped 5.8%.
Earnings land 6 days out, inside a typical 20-trading-day holding window, with a conference call set for 21 October. Past reports show 5 beats in 8 quarters and an average absolute reaction of 4.2%. Over the last 90 days, 5 open-market insider purchases were recorded, including the CEO's and Chief Risk Officer's deferral-plan acquisitions. Seasonally, the next 20 trading days have averaged +7.2% over 5 years, rising in 5 of them. Three analysts carry Buy ratings with a consensus target of $14.17.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Columbia Financial scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
Averages disagree
Close $10.86 sits between the 50-day ($11.36) and 200-day ($9.28) averages, or the averages disagree.
See the chart64, Accumulation
Reading 64 is in the Accumulation zone.
See the GekkoIndex13.0% below
Price is 13% below Gekko Fair Value (more than 5% below).
See fair valueLeans bullish
Last 90 days: 5 open-market insider purchases.
See smart moneyReports in 7 days
Reports on Oct 19, 2026, 7 days away — inside a typical 20-trading-day hold.
See earnings+7.2% on average
From this point in the calendar, the next 20 trading days averaged +7.2% over 5 years, rising in 5 of them.
See seasonalityA description of current data, not a recommendation. How this page works
Columbia Financial closed at $10.86 on Oct 12, 2026, +64.8% over the past year, inside a 52-week range of $6.21 to $12.00.
Use the left and right arrow keys to read daily values.
Put CLBK on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Columbia Financial operates as a bank holding company serving businesses and individual customers across the United States. It is known for a broad banking offering that spans everyday deposit accounts, home and commercial lending, and consumer credit, making it a full-service option for both personal and business banking needs.
On the deposit side, Columbia Financial provides checking, savings, club, and money market accounts, along with certificates of deposit, catering to both businesses and individuals. Its lending covers multifamily and commercial real estate, business financing, residential mortgages, construction, home equity, and consumer loans such as auto financing, as well as credit lines and overdraft protection. The company also offers title insurance, wealth management, and cash management services including remote deposit, lockbox processing, and sweep accounts, and functions as a subsidiary of Columbia Bank MHC.
Founded in 1927 and based in Fair Lawn, New Jersey, Columbia Financial has built its branch network primarily across New Jersey. Its shares trade on the NASDAQ under the ticker CLBK.
Columbia Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64, in the Accumulation zone, up 5.5 points over five sessions.
Up 5.5 points over five sessions, from the Neutral zone.
Reading for Oct 12, 2026
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 132 | +1.4% | +4.3% | ||
| Accumulation (current zone) | 335 | +0.6% | +1.2% | ||
| Neutral | 699 | 0.0% | +0.1% | ||
| Distribution | 96 | −1.0% | −0.8% | ||
| Selling | 9 | Too few readings yet | |||
Average CLBK share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
Columbia Financial trades 13.0% below Gekko Fair Value of $12.48, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Columbia Financial shares are worth, recalculated every trading day.
$12.48
Gekko Fair Value, Oct 10, 2026
13.0% Undervalued
At the end of Aug 2026 the price was 10.5% below the estimate.
Insiders filed 5 open-market purchases in Columbia Financial worth $585K, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
$585Kin 5 open-market purchases
| Filed | Insider | Type | Value |
|---|---|---|---|
| Jul 22 | Oliver Edward Lewis Jr SEVP & Head Commercial Banking | Purchase | $145K |
| Jul 22 | Mayra Liseth Rinaldi EVP, Corp Governance & Culture | Purchase | $90K |
| Jul 22 | Manesh Balachandran Prabhu EVP & CIO | Purchase | $150K |
| Jul 22 | Jim Hobart Wainwright Director | Purchase | $100K |
| Jul 22 | James Michael Kuiken Director | Purchase | $100K |
From Form 4 filings, dated to when each was filed.
No trades in CLBK were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Columbia Financial has been buying back its own shares.
From company filings.
Columbia Financial reports on Oct 19, 2026 (7 days away), and beat the EPS estimate in 5 of its last 8 reports.
Oct 19, 2026
7 days away
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 28, 2026 | $0.15 est $0.05 | $73.75M est $71.15M | +0.6% |
| Apr 20, 2026 | $0.15 est $0.16 | $67.14M est $61.65M | −3.1% |
| Feb 2, 2026 | $0.16 est $0.15 | $68.78M est $60.90M | +7.4% |
| Oct 20, 2025 | $0.15 est $0.13 | $80.59M est $59.20M | +10.6% |
| Jul 30, 2025 | $0.13 est $0.11 | $63.88M est $55.40M | +2.7% |
| Apr 30, 2025 | $0.09 est $0.09 | $58.80M est $49.95M | +5.5% |
| Jan 28, 2025 | $0.11 est $0.08 | $89.91M est $46.14M | −1.4% |
| Oct 24, 2024 | $0.06 est $0.06 | $54.25M est $45.86M | −2.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Analysts’ average 12-month price target for Columbia Financial is $14.17, +30.5% from the last close, from 3 firms rating the stock in the last 90 days.
Each firm’s latest rating in the last 90 days: 3 firms.
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 18 | KBW | $14.50 | +33.5% |
| Aug 17 | Brean Capital | $14 | +28.9% |
| Aug 16 | KBW | $14.50 | +33.5% |
| Aug 11 | Piper Sandler | $14 | +28.9% |
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Over the next 20 trading days from Oct 10, Columbia Financial averaged +7.2% across the last 5 years, rising in 5 of them.
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.1% | 3 of 5 |
| Next 10 trading days | +3.6% | 4 of 5 |
| Next 15 trading days | +2.0% | 4 of 5 |
| Next 20 trading days | +7.2% | 5 of 5 |
| Next 30 trading days | +6.8% | 5 of 5 |
For scale, CLBK’s typical 20-trading-day move in either direction is about 4.8%.
Columbia Financial’s market cap is $2.43B, with a P/E ratio of 19 and revenue of $267.2M over the last twelve months.
Coverage of Columbia Financial this week reads neutral: 2 positive, 6 neutral and 1 negative headlines.
Columbia Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| WBSWebster Financial | Neutral | 1.7% above |
| TFSLTFS Financial | Accumulation | 8.3% below |
| WSFSWSFS Financial | Accumulation | 8.3% below |
| PFSProvident Financial Services | Accumulation | 12.1% below |
| NWBINorthwest Bancshares | Accumulation | 5.6% below |
| TFINTriumph Financial | Accumulation | 12.8% below |
A peer links to its own page where one exists.
Columbia Financial’s market cap is $2.43B at the Oct 12, 2026 close of $10.86, with 269.5M shares outstanding. The shares trade on a P/E ratio of 19.
The consensus analyst 12-month price target for Columbia Financial is $14.17, +30.5% from the last close. Of the 3 firms that rated the stock in the last 90 days, 3 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
On Gekko’s estimate Columbia Financial is undervalued: the Oct 12, 2026 close of $10.86 is 13.0% below Gekko Fair Value of $12.48. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
Columbia Financial is expected to report on Oct 19, 2026 (7 days away). Analysts expect earnings of $0.07 per share on revenue of $129.9M. Columbia Financial beat the earnings estimate in 5 of its last 8 reports, moving 4.2% on average across the report.
Columbia Financial’s 52-week high is $12.00 and its 52-week low is $6.21; it closed at $10.86 on Oct 12, 2026, +64.8% over the past year.
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.
Join 1,408 other traders using Gekko
Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.Type a ticker or company name. Press Esc to close.