Columbia Financial, Inc. (CLBK)

Over the past six months, Columbia Financial's stock experienced several notable events. As of October 28, 2025, the stock had gained 12.7%, lagging behind the S&P 500's 24.4% return. The company announced its financial results for the first, second and third quarters of 2025. On September 8, 2025, Columbia Financial, Inc. announced a new stock repurchase program, authorizing the acquisition of up to 1,800,000 shares. Weiss Ratings reaffirmed a "sell (D)" rating for Columbia Financial in research reports issued on October 25, 2025, and again on October 8, 2025.

The banking industry, including regional banks like Columbia Financial, Inc., experiences seasonal trends primarily in the demand for loans. Loan demand is typically lowest in January and February, increases through July, and peaks in August or September, then decreases until December. Increased demand for investment services is often observed in December and early January.

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank, offering banking and financial services to businesses and consumers in the United States. The company's products and services include commercial, residential, and consumer loans, as well as deposit products like demand accounts, savings deposits, money market accounts, and certificates of deposit. Additionally, they provide title insurance, wealth management, and cash management services.

Columbia Financial, Inc. primarily serves the residents and businesses of New Jersey. Columbia Bank operates 69 full-service branch offices and four regional lending centers within New Jersey as of September 30, 2025.

Columbia Financial, Inc., through Columbia Bank, has an established reputation as a reliable, community-based financial institution serving New Jersey since 1927. Customer feedback highlights positive experiences with the bank's user-friendly app and attentive, personal customer service. In March 2023, the company assured clients and shareholders about its prudently managed risk profile.

Columbia Financial, Inc. has a diverse ownership structure including institutional shareholders (12.85%), company insiders (63.57%), and retail investors (23.57%). Bank MHC Columbia is the largest individual shareholder, owning 59.64% of the company. Major institutional investors include Squarepoint Ops LLC, Tower Research Capital LLC TRC, and JPMorgan Chase & Co.