★
CLBK
Columbia Financial Inc · Banking
FCF——
Rev+16.9%B+
D/E1.02C+
P/E37.9xC
PEG2.24C
69Score
$20.391Y Target$23.45Near-term target
5Y Target$32.84Compound horizon
10Y Target$48.27Long-dated conviction
FCF—TTM—
FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+16.9%TTM YoYB+
Revenue +16.9% — above sector median, healthy trajectory · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E1.02totalC+
D/E 1.02 — moderately levered, watch interest coverage · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E37.9xC
P/E 37.9 — rich valuation; execution risk material
PEG2.24proxyC
PEG 2.24 — expensive relative to growth rate · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Banking · market cap $2.1b. Trading near 52-week high of $20.44 — momentum setup, limited technical margin of safety. Revenue growing +17%, comfortably above the S&P median.
Moat
Net margin 20% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 38x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. ROE 5% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Horizon
1-3 yr $23.45 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $32.84 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $48.27 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Position sizing · CLBK
Shares to buy
98
Position size
$1,998
4.0% of portfolio
Stop price
$15.29
25% below $20.39
$ at risk
$500.00
1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.