Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Columbia Financial has the Profitability Rank of 5.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Columbia Financial Profitability Rank Related Terms
CLBK vs MCB, AMTB, NBN: Profitability Rank Comparison
For the Banks - Regional subindustry, Columbia Financial's Profitability Rank, along with its competitors' market caps and Profitability Rank data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Columbia Financial Profitability Rank vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Profitability Rank falls into.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Columbia Financial has the Profitability Rank of 5.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Columbia Financial (CLBK) has a Profitability Rank of 5 as of Mar. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Columbia Financial and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, Columbia Financial's Profitability Rank has ranged from 1.00 to 5.00.
Is Columbia Financial's Profitability Rank too high?
Columbia Financial's current Profitability Rank of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. Overall, Columbia Financial has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Profitability Rank compare to MCB and AMTB?
Columbia Financial's Profitability Rank of 5 can be compared against companies in the Banks industry. Historically, Columbia Financial's own Profitability Rank has ranged from 1.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Columbia Financial and its competitors. Columbia Financial's current Profitability Rank is 5, which is 25% above median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Columbia Financial stock overvalued right now?
Based on GuruFocus' analysis, Columbia Financial (CLBK) is currently considered Significantly Undervalued. The stock's GF Value™ is $19.35, compared to a current price of $10.89 — trading 43.7% below its estimated fair value. The current Profitability Rank is 5, which is 25% above median its 10-year median of 4.00. Columbia Financial's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Columbia Financial (CLBK), the current Profitability Rank is 5 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Columbia Financial (CLBK) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Financial stock appears to be undervalued.
The current stock price of $10.89 is trading 43.7% below its estimated GF Value™ of $19.35.
GuruFocus considers Columbia Financial to be Significantly Undervalued.
Key valuation signals for CLBK:
Profitability Rank: 5 (25% above median its 10-year median of 4.00)
GF Value™: $19.35 vs. price of $10.89 (43.7% below fair value)
No single metric tells the full story. See the CLBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Columbia Financial Inc is a federally chartered savings bank that serves the financial needs of depositors and the local community as a customer service-focused institution. The company offers traditional financial services to businesses and consumers in its market areas. It attracts deposits from the general public and uses those funds to originate various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans. The company also offers title insurance through its wholly owned subsidiary and provides a broad range of insurance products, including personal and business lines of insurance, mainly to customers and New Jersey residents.
60GF Score
Get the complete analysis for CLBK
Profitability Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CLBK has been successfully added to your 
