Columbia Financial (CLBK)
Market Price (4/23/2026): $18.045 | Market Cap: $1.8 BilSector: Financials | Industry: Regional Banks
Columbia Financial (CLBK)
Market Price (4/23/2026): $18.045Market Cap: $1.8 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 44% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% Low stock price volatilityVol 12M is 30% Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -2.8% Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -77% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 27x, P/EPrice/Earnings or Price/(Net Income) is 35x Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.2% Uninsured deposits are highUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 81% Key risksCLBK key risks include [1] a history of weak revenue growth and poor profitability, Show more. |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 44% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% |
| Low stock price volatilityVol 12M is 30% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -2.8% |
| Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -77% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 27x, P/EPrice/Earnings or Price/(Net Income) is 35x |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.2% |
| Uninsured deposits are highUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 81% |
| Key risksCLBK key risks include [1] a history of weak revenue growth and poor profitability, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Strong Fourth Quarter 2025 Financial Performance: Columbia Financial reported robust financial results for the fourth quarter of 2025, with net income reaching $15.7 million, marking a significant turnaround from a net loss of $21.2 million in the prior year's comparable quarter. The company's revenue of $68.78 million surpassed analysts' expectations of $59.20 million. Additionally, the net interest margin expanded by 48 basis points in Q4 2025, and loans increased by $375.1 million, or 4.7%, for the year ended December 31, 2025. This positive earnings report and operational improvement led to an 8.85% gain in CLBK's stock price on the day the news was published.
2. Strategic Acquisition of Northfield Bancorp: In February 2026, Columbia Financial announced its intent to acquire Northfield Bancorp (NFBK) in a transaction valued at approximately $597 million. This strategic merger is anticipated to create a larger regional bank with a pro forma asset base of $18 billion, offering potential for enhanced profitability and operational synergies.
Show more
Stock Movement Drivers
Fundamental Drivers
The 16.1% change in CLBK stock from 12/31/2025 to 4/22/2026 was primarily driven by a 186.5% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.54 | 18.04 | 16.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 213 | 259 | 21.7% |
| Net Income Margin (%) | 7.0% | 20.0% | 186.5% |
| P/E Multiple | 106.8 | 35.3 | -66.9% |
| Shares Outstanding (Mil) | 102 | 101 | 0.6% |
| Cumulative Contribution | 16.1% |
Market Drivers
12/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| CLBK | 16.1% | |
| Market (SPY) | -5.4% | 32.4% |
| Sector (XLF) | -4.7% | 51.5% |
Fundamental Drivers
The 20.2% change in CLBK stock from 9/30/2025 to 4/22/2026 was primarily driven by a 547.8% change in the company's Net Income Margin (%).| (LTM values as of) | 9302025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.01 | 18.04 | 20.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 200 | 259 | 29.6% |
| Net Income Margin (%) | 3.1% | 20.0% | 547.8% |
| P/E Multiple | 248.2 | 35.3 | -85.8% |
| Shares Outstanding (Mil) | 102 | 101 | 0.6% |
| Cumulative Contribution | 20.2% |
Market Drivers
9/30/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| CLBK | 20.2% | |
| Market (SPY) | -2.9% | 32.9% |
| Sector (XLF) | -2.7% | 50.0% |
Fundamental Drivers
The 20.3% change in CLBK stock from 3/31/2025 to 4/22/2026 was primarily driven by a 43.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.00 | 18.04 | 20.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 180 | 259 | 43.8% |
| P/S Multiple | 8.5 | 7.1 | -16.6% |
| Shares Outstanding (Mil) | 102 | 101 | 0.3% |
| Cumulative Contribution | 20.3% |
Market Drivers
3/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| CLBK | 20.3% | |
| Market (SPY) | 16.3% | 43.9% |
| Sector (XLF) | 5.9% | 52.9% |
Fundamental Drivers
The -1.3% change in CLBK stock from 3/31/2023 to 4/22/2026 was primarily driven by a -31.0% change in the company's Net Income Margin (%).| (LTM values as of) | 3312023 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.28 | 18.04 | -1.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 297 | 259 | -12.9% |
| Net Income Margin (%) | 29.0% | 20.0% | -31.0% |
| P/E Multiple | 22.5 | 35.3 | 57.2% |
| Shares Outstanding (Mil) | 106 | 101 | 4.5% |
| Cumulative Contribution | -1.3% |
Market Drivers
3/31/2023 to 4/22/2026| Return | Correlation | |
|---|---|---|
| CLBK | -1.3% | |
| Market (SPY) | 63.3% | 39.6% |
| Sector (XLF) | 69.6% | 53.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CLBK Return | 34% | 4% | -11% | -18% | -2% | 16% | 16% |
| Peers Return | 47% | -8% | -9% | 4% | 11% | 17% | 65% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 3% | 88% |
Monthly Win Rates [3] | |||||||
| CLBK Win Rate | 58% | 58% | 50% | 42% | 42% | 75% | |
| Peers Win Rate | 73% | 43% | 45% | 48% | 55% | 80% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| CLBK Max Drawdown | -1% | -10% | -32% | -28% | -17% | -2% | |
| Peers Max Drawdown | -1% | -22% | -40% | -27% | -16% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: VLY, PFS, OCFC, CNOB, PGC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/22/2026 (YTD)
How Low Can It Go
| Event | CLBK | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -36.0% | -25.4% |
| % Gain to Breakeven | 56.2% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -38.4% | -33.9% |
| % Gain to Breakeven | 62.3% | 51.3% |
| Time to Breakeven | 166 days | 148 days |
| 2018 Correction | ||
| % Loss | -17.8% | -19.8% |
| % Gain to Breakeven | 21.6% | 24.7% |
| Time to Breakeven | 640 days | 120 days |
Compare to VLY, PFS, OCFC, CNOB, PGC
In The Past
Columbia Financial's stock fell -36.0% during the 2022 Inflation Shock from a high on 7/27/2022. A -36.0% loss requires a 56.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Columbia Financial (CLBK)
AI Analysis | Feedback
Here are a couple of analogies for Columbia Financial (CLBK):
- It's like a smaller, New Jersey-focused version of Bank of America, providing a full suite of banking services to individuals and businesses.
- Think of it as a regional version of Wells Fargo, serving New Jersey with traditional banking, lending, and wealth management services.
AI Analysis | Feedback
- Deposit Accounts: Offers a range of accounts including non-interest-bearing and interest-bearing checking, savings, money market, and certificates of deposit for individuals and businesses.
- Real Estate Loans: Provides financing for multifamily, commercial, one-to-four family residential, and construction properties.
- Commercial Business Loans: Supplies loans specifically designed to meet the financial needs of commercial businesses.
- Consumer Loans: Includes home equity loans, automobile and personal loans, as well as unsecured and overdraft lines of credit.
- Title Insurance Products: Offers specialized insurance products related to property titles.
- Wealth Management Services: Provides professional services to assist clients with managing their financial assets and investments.
- Cash Management Services: Delivers essential services such as remote deposit, lockbox service, and sweep accounts for businesses.
AI Analysis | Feedback
Columbia Financial, Inc. (CLBK) is a bank holding company that provides a broad range of financial services to both businesses and consumers. As a bank, its customer base is highly diversified and does not consist of a few identifiable major corporate customers. Instead, it serves a multitude of individual and business clients.
Given the nature of its business, CLBK primarily serves various categories of individual and business customers rather than a handful of specific companies. The major customer categories Columbia Financial serves include:
- Individual Retail Consumers: This category includes individuals and households utilizing the bank for personal financial needs such as checking accounts, savings accounts, money market accounts, certificates of deposit, one-to-four family residential loans, home equity loans and advances, automobile loans, and other personal loans. These customers also access wealth management services.
- Commercial Businesses: This segment comprises various small to medium-sized businesses that use the bank for commercial checking accounts, commercial business loans, commercial real estate loans, and specialized cash management services like remote deposit, lockbox services, and sweep accounts.
- Real Estate Investors and Developers: This category encompasses individuals and entities involved in property development and investment, specifically utilizing the bank's services for multifamily real estate loans, commercial real estate loans, and construction loans.
AI Analysis | Feedback
nullAI Analysis | Feedback
Thomas J. Kemly, President and Chief Executive Officer
Thomas J. Kemly was appointed President and CEO of Columbia Bank in 2012 and Columbia Financial, Inc. in 2011. He has over 40 years of experience in the banking industry. Mr. Kemly began his career at Columbia Bank in 1981, holding various positions including Chief Financial Officer and Chief Operating Officer before becoming President. He has led the bank through significant growth, including Columbia Financial, Inc.'s IPO in 2018 and strategic acquisitions. Mr. Kemly serves on the Board of Directors for the Federal Home Loan Bank of New York and the Commerce and Industry Association of New Jersey. He previously served as Chairman and Board Member of the New Jersey Bankers Association.
Thomas F. Splaine, Jr., Executive Vice President and Chief Financial Officer
Thomas F. Splaine, Jr. was appointed Executive Vice President and Chief Financial Officer of Columbia Financial, Inc. and Columbia Bank in January 2026. He joined Columbia in 2025 as First Senior Vice President and Chief Accounting Officer. Mr. Splaine brings over 35 years of experience in banking, finance, accounting, mergers and acquisitions, investor and regulatory relations, and strategic planning. Prior to joining Columbia, he served as Executive Vice President and Chief Financial Officer at Lakeland Bancorp and Investors Bancorp. Earlier in his career, he was a Senior Audit Manager at KPMG LLP. Mr. Splaine holds an MBA and a Bachelor of Science in Accounting from Rider University.
Allyson Schlesinger, Senior Executive Vice President and Head of Consumer Banking
Allyson Schlesinger was appointed Executive Vice President and Head of Consumer Banking of Columbia Bank in September 2018. In this role, she is responsible for the retail banking, retail lending, wealth management, and marketing divisions of the Bank. Before joining Columbia, Ms. Schlesinger spent 25 years with Citigroup, Inc., where her most recent position was Managing Director, U.S. Retail and Division Manager for the New York City and New Jersey markets. She holds a Bachelor's degree from the University of Michigan.
Dennis E. Gibney, First Senior Executive Vice President and Chief Banking Officer
Dennis E. Gibney was promoted to First Senior Executive Vice President and Chief Banking Officer in January 2026. He joined Columbia in 2014 as Executive Vice President and Chief Financial Officer and was appointed Senior Executive Vice President and Chief Financial Officer in May 2025. Mr. Gibney has 17 years of prior banking experience and previously served as Principal at FinPro Capital Advisors, Inc., an investment banking and consulting firm. He played a key role in the Company's 2018 initial public offering and helped expand the Company's asset base and complete four acquisitions within a five-year period. Mr. Gibney graduated Magna Cum Laude from Babson College with a triple major in Finance, Investments, and Economics, and holds a Chartered Financial Analyst (CFA) designation.
Matthew William Rickert, Executive Vice President & Chief Credit Officer
Matthew William Rickert serves as the Executive Vice President & Chief Credit Officer at Columbia Financial, Inc. In this position, he is responsible for overseeing all aspects of the company's credit operations, including the development of credit policies, loan underwriting standards, and managing credit risk.
AI Analysis | Feedback
The key risks for Columbia Financial, Inc. (CLBK) include:
-
Credit Risk: Columbia Financial's business is significantly exposed to credit risk due to its extensive loan portfolio, which includes multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, and construction loans. An economic downturn, particularly within its primary operating region of New Jersey, or a decline in real estate values, could lead to increased loan defaults and negatively impact the company's financial performance.
-
Interest Rate Risk: As a bank holding company, Columbia Financial's profitability is highly sensitive to changes in interest rates. Fluctuations in interest rates can significantly affect the company's net interest margin (NIM), which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits). A "poor" and "weak" net interest margin has been identified as a specific concern for Columbia Financial, indicating that changes in interest rates could disproportionately impact its earnings.
-
Geographic Concentration Risk: Columbia Financial operates 62 full-service banking offices across 12 of New Jersey's 21 counties, with its headquarters in Fair Lawn, New Jersey. This high concentration in a specific geographic region makes the company particularly vulnerable to local economic conditions, regulatory changes, and competitive pressures within New Jersey. A localized economic downturn or adverse market volatility in the state could have a significant and concentrated impact on its loan portfolio, deposit base, and overall business operations.
AI Analysis | Feedback
The clear emerging threat to Columbia Financial (CLBK) is the proliferation of digital-only banks (neobanks) and specialized financial technology (fintech) companies. These entities leverage technology to offer banking, lending, and wealth management services with lower overhead costs due to a lack of physical branches. This allows them to offer more competitive rates, lower fees, and often superior user experiences through mobile apps and online platforms, directly challenging traditional banks like CLBK that rely on a branch-based model and established legacy systems. This trend threatens to erode CLBK's customer base, particularly among younger demographics and those seeking convenience and cost efficiency, and to capture market share in key banking products like deposits, loans, and wealth management services.
AI Analysis | Feedback
Columbia Financial, Inc. (CLBK) operates primarily in New Jersey, offering a range of financial services. The addressable markets for its main products and services in its operating regions are as follows:
- Deposits: The total bank deposits market in New Jersey was approximately $431 billion in 2024.
- Residential Mortgage Loans: New home loans booked in New Jersey totaled $29.1 billion in 2024.
- Commercial Business Loans: The market for small business loans in New Jersey was $21.6 billion in 2024.
- Commercial Real Estate Loans: The total commercial real estate (CRE) mortgage borrowing and lending market in the United States was estimated at $498 billion in 2024.
- Title Insurance Products: The U.S. title insurance industry generated $16.2 billion in premiums during 2024.
- Wealth Management Services: The wealth management market in North America was valued at approximately $937.45 billion in 2023.
- Other Consumer Loans (Automobiles and Personal Loans): Null
AI Analysis | Feedback
Columbia Financial, Inc. (CLBK) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Strategic Acquisitions and Market Expansion: Columbia Financial plans to expand its market reach and customer base through strategic acquisitions, such as the recent integration of Northfield Bancorp, Inc., and the merger with Freehold Bank finalized in October 2024. This strategy is designed to boost its presence and capabilities in its main markets.
- Growth in Commercial Lending: The company is strategically managing its loan portfolio by emphasizing commercial lending and de-emphasizing residential real estate. This focus on expanding commercial lending is a key part of improving its asset mix.
- Technological Innovation and Digital Transformation: Columbia Financial recognizes the need for technological advancement to innovate and enhance its digital offerings. Its "Project Horizon Initiative," a three-year digital transformation plan, aims to drive operational efficiency and create new, scalable revenue channels through cutting-edge technology and digital platform enhancements.
- Diversification of Revenue through Fee-Based Services: The bank is actively working to diversify its revenue beyond traditional lending. It aims to increase fee-based income from wealth management and treasury services to 25% of total revenue by 2027, up from 19% in 2024. The company's foray into insurance and wealth management services has already diversified its revenue streams.
- Net Interest Margin (NIM) Expansion: Columbia Financial anticipates revenue growth from the stabilization and expansion of its net interest margin. Higher net interest income, resulting from increases in interest income and decreases in interest expense, contributed to improved earnings in the quarter ended December 31, 2025.
AI Analysis | Feedback
Share Repurchases
- In September 2025, Columbia Financial's Board of Directors authorized a new stock repurchase program to acquire up to 1,800,000 common shares, representing approximately 1.7% of the company's issued and outstanding common stock, for a one-year period.
- In December 2021, the Board approved a share repurchase plan for up to 5 million shares, or approximately 4.6% of its outstanding shares, with no expiry date. This plan became effective after the completion of a previous program, under which 1.2 million shares remained to be repurchased as of November 30, 2021.
Share Issuance
- Columbia Financial Inc. filed for an offering of up to 192.63 million shares of common stock in March 2026.
- In February 2026, in connection with a proposed merger with Northfield Bancorp, Inc., a newly formed Maryland corporation (Holding Company) intends to issue shares of Holding Company common stock. This issuance includes shares related to the proposed transaction and a "second step conversion offering."
Outbound Investments
- Columbia Financial, Inc. and Northfield Bancorp, Inc. announced plans to merge in February 2026.
- In December 2021, Columbia Financial entered into a stock deal to acquire New Jersey-based RSI Bank, with the acquisition expected to close in the second quarter of 2022.
- Columbia Financial completed the acquisition of Freehold Bank in December 2021, an acquisition that was initially announced in June 2021.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to CLBK.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | 0.0% |
| 03202026 | MKTX | MarketAxess | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -5.2% | -5.2% | -5.7% |
| 03202026 | RYAN | Ryan Specialty | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -2.7% | -2.7% | -8.5% |
| 07312022 | CLBK | Columbia Financial | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -1.0% | -14.1% | -28.2% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 20.62 |
| Mkt Cap | 1.6 |
| Rev LTM | 389 |
| Op Inc LTM | - |
| FCF LTM | 90 |
| FCF 3Y Avg | 87 |
| CFO LTM | 97 |
| CFO 3Y Avg | 94 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 24.6% |
| Rev Chg 3Y Avg | 4.4% |
| Rev Chg Q | 20.0% |
| QoQ Delta Rev Chg LTM | 4.7% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 24.1% |
| CFO/Rev 3Y Avg | 26.0% |
| FCF/Rev LTM | 21.2% |
| FCF/Rev 3Y Avg | 23.3% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.6 |
| P/S | 3.5 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 16.3 |
| P/CFO | 14.6 |
| Total Yield | 7.3% |
| Dividend Yield | 1.4% |
| FCF Yield 3Y Avg | 8.5% |
| D/E | 0.7 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.9% |
| 3M Rtn | 7.6% |
| 6M Rtn | 20.2% |
| 12M Rtn | 38.5% |
| 3Y Rtn | 47.0% |
| 1M Excs Rtn | -1.5% |
| 3M Excs Rtn | 3.8% |
| 6M Excs Rtn | 19.4% |
| 12M Excs Rtn | 6.7% |
| 3Y Excs Rtn | -27.7% |
Price Behavior
| Market Price | $18.04 | |
| Market Cap ($ Bil) | 1.8 | |
| First Trading Date | 04/20/2018 | |
| Distance from 52W High | -2.8% | |
| 50 Days | 200 Days | |
| DMA Price | $17.92 | $16.03 |
| DMA Trend | up | up |
| Distance from DMA | 0.7% | 12.5% |
| 3M | 1YR | |
| Volatility | 28.4% | 29.8% |
| Downside Capture | 0.04 | 0.28 |
| Upside Capture | 94.22 | 77.98 |
| Correlation (SPY) | 32.6% | 39.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.46 | 0.78 | 0.79 | 0.81 | 0.73 | 0.88 |
| Up Beta | -0.78 | 0.54 | 1.51 | 1.42 | 0.66 | 0.88 |
| Down Beta | 0.66 | 0.60 | 0.72 | 1.06 | 0.86 | 0.79 |
| Up Capture | 42% | 138% | 108% | 76% | 62% | 60% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 7 | 15 | 25 | 55 | 115 | 357 |
| Down Capture | 49% | 47% | 35% | 42% | 77% | 101% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 15 | 27 | 37 | 69 | 130 | 381 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CLBK | |
|---|---|---|---|---|
| CLBK | 40.2% | 30.2% | 1.13 | - |
| Sector ETF (XLF) | 15.6% | 15.1% | 0.76 | 50.5% |
| Equity (SPY) | 26.7% | 12.5% | 1.77 | 39.9% |
| Gold (GLD) | 38.9% | 27.4% | 1.19 | -10.5% |
| Commodities (DBC) | 23.5% | 16.2% | 1.32 | -9.4% |
| Real Estate (VNQ) | 15.6% | 13.6% | 0.82 | 34.0% |
| Bitcoin (BTCUSD) | -12.8% | 42.6% | -0.21 | 18.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CLBK | |
|---|---|---|---|---|
| CLBK | 0.2% | 31.3% | 0.05 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.42 | 47.9% |
| Equity (SPY) | 10.5% | 17.1% | 0.48 | 35.4% |
| Gold (GLD) | 21.5% | 17.8% | 0.99 | -4.0% |
| Commodities (DBC) | 10.7% | 18.8% | 0.47 | 5.7% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 36.0% |
| Bitcoin (BTCUSD) | 3.8% | 56.4% | 0.29 | 13.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CLBK | |
|---|---|---|---|---|
| CLBK | 1.7% | 29.7% | 0.12 | - |
| Sector ETF (XLF) | 12.9% | 22.2% | 0.53 | 55.7% |
| Equity (SPY) | 13.8% | 17.9% | 0.66 | 45.1% |
| Gold (GLD) | 13.9% | 15.9% | 0.73 | -2.9% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 14.7% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 44.1% |
| Bitcoin (BTCUSD) | 68.1% | 66.9% | 1.07 | 16.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/20/2026 | -2.2% | ||
| 2/2/2026 | 8.9% | 13.8% | 13.2% |
| 10/20/2025 | 7.1% | 8.5% | 3.9% |
| 7/30/2025 | 3.2% | 2.3% | 8.2% |
| 4/30/2025 | 9.1% | 13.5% | 6.2% |
| 1/28/2025 | -3.6% | -4.3% | -1.0% |
| 10/24/2024 | -0.8% | 1.5% | 6.3% |
| 7/31/2024 | 1.5% | -6.5% | -1.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 11 | 11 |
| # Negative | 14 | 12 | 12 |
| Median Positive | 2.4% | 3.4% | 6.2% |
| Median Negative | -6.1% | -6.5% | -5.0% |
| Max Positive | 9.1% | 13.8% | 13.2% |
| Max Negative | -13.8% | -19.8% | -14.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/06/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.