CLBK
Columbia Financial, Inc. Financial Services - Banks - Regional Investor Relations →
Columbia Financial, Inc. (CLBK) closed at $11.58 as of 2026-09-18, trading 46.9% above its 200-week moving average of $7.89. The stock moved further from the line this week, up from 46.4% last week. With a 14-week RSI of 79, CLBK is in overbought territory.
A big jump in activity this week — 2.0x the usual volume, and the price went up. Significantly more people than usual decided to buy. This kind of surge, especially on a stock already below its 200-week average, can be an early sign that sentiment is shifting.
Over the past 390 weeks of data, CLBK has crossed below its 200-week moving average 7 times. On average, these episodes lasted 29 weeks. The average one-year return after crossing below was -6.8%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $1205 million, CLBK is a small-cap stock. Return on equity stands at 5.0%. The stock trades at 2.2x book value.
Over the past 7.5 years, a hypothetical investment of $100 in CLBK would have grown to $161, compared to $289 for the S&P 500. CLBK has returned 6.6% annualized vs 15.2% for the index, underperforming the broader market over this period.
In the past 12 months, corporate insiders have made 17 open-market purchases totaling $4,778,974. Multiple insiders purchased within a 30-day window — a cluster buy pattern that historically signals management confidence in the company's prospects.
Free cash flow has been declining at a -24.3% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: CLBK vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CLBK Crosses Below the Line?
Across 7 historical episodes, buying CLBK when it crossed below its 200-week moving average produced an average return of -6.3% after 12 months (median -6.0%), compared to +21.8% for the S&P 500 over the same periods. 33% of those episodes were profitable after one year. After 24 months, the average return was +1.8% vs +45.5% for the index.
Each line shows $100 invested at the moment CLBK crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices CLBK would reach each dislocation threshold.
Dislocation Price Levels
Prices where CLBK's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-20.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $7.75 | Unusually cheap — analysis point |
| Value | +1σ | $8.53 | Cheap vs. own history |
| Fair Value | +0σ | $9.48 | Historical mean behavior |
| Expensive | -1σ | $10.68 | Expensive vs. own history |
| Deep Expensive | -2σ | $12.21 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-29 | $0.07 | $0.15 | +120.0% |
| 2026-04-20 | $0.07 | $0.07 | -5.4% |
| 2026-02-02 | $0.07 | $0.07 | +4.5% |
| 2025-10-20 | $0.06 | $0.07 | +15.8% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from CLBK's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
CLBK has crossed below its 200-week MA 7 times with an average 1-year return of +-6.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Apr 2019 | Sep 2019 | 26 | 9.5% | -12.2% | +62.5% |
| Feb 2020 | Dec 2020 | 43 | 29.9% | +5.3% | +64.9% |
| Apr 2023 | May 2023 | 5 | 13.7% | +0.5% | +52.5% |
| Jun 2023 | Jul 2023 | 6 | 2.5% | -18.4% | +47.0% |
| Aug 2023 | Dec 2023 | 16 | 12.9% | -1.0% | +47.8% |
| Jan 2024 | Feb 2026 | 105 | 28.6% | -15.1% | +46.8% |
| Mar 2026 | Mar 2026 | 2 | 1.1% | N/A | +48.7% |
| Average | 29 | — | +-6.8% | — |
Frequently Asked Questions
Is CLBK below its 200-week moving average?
No. Columbia Financial, Inc. (CLBK) is currently 46.9% above its 200-week moving average of $7.89. It would need to fall to $7.89 to cross below the line.
What is CLBK's 200-week moving average price?
Columbia Financial, Inc.'s 200-week moving average is $7.89 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CLBK drops below its 200-week moving average?
CLBK has crossed below its 200-week moving average 7 times in our data. The average one-year return after these crossings was -6.8%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 29 weeks on average.
Is CLBK a good value right now?
Here's what our data says about CLBK as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 79 (overbought). Return on equity is 5.0%. Price-to-book is 2.2x. This is not a buy or sell recommendation — always do your own research.
How does CLBK compare to the S&P 500?
Over the past 7.5 years, $100 invested in CLBK would have grown to $161, compared to $289 for the S&P 500. That's 6.6% annualized vs 15.2% for the index. CLBK has underperformed the broader market over this period.
Does CLBK pay a dividend?
Yes. Columbia Financial, Inc. currently pays a dividend yield of 173.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-18