CLBK (CLBK): one to watch?

Not a real crash — it's a mechanical reset from a bank's stock conversion/merger, but post-deal numbers are still unknown, so wait for clarity.

👀 WATCH Fundamentals66/100

Fell 56% in 1 trading day(s) — now $10.74

Why CLBK dropped

Columbia Financial just completed a "second-step conversion" (converting from a mutual savings bank structure to a fully public company) plus a $580 million acquisition of Northfield Bancorp, raising roughly $1.1-1.7 billion in new stock sold at $10/share and closing on July 20, 2026, with new shares starting to trade July 21 — this mechanically resets and dilutes the share price, it is not a sign the business is failing.

Fwd P/E 13.8Op margin 33.4%Rev growth 18.5%Debt/equity —Analyst upside 76.9%

How this scored 66/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 21.6%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 17/25

Operating margin 33.4% 9/9

Net profit margin 21.6% 8/8

Return on equity 4.9% 0/8

Growth Is it getting bigger, or dying? 23/25

Revenue growth 18.5% 7/9

Earnings growth 48.0% 8/8

Expected profit change 41.8% 8/8

Value Is it cheap right now? 18/25

Forward P/E 13.8 8/10

PEG ratio unknown 2/8

Analyst target upside 76.9% 7/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-07-21. Research only — not financial advice.