Columbia Financial, Inc.
CLBK is overvalued
NASDAQ · Financial Services
FAIR PRICE
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
$10.87
MARKET PRICE
$3.37
FAIR PRICE
$7.50
MARGIN
COMMUNITY BUY ZONE
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COMMUNITY MEDIAN
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BUYERS AT TODAY'S PRICE
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MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$2.70
Fair price × 0.80
DISTANCE
75.2%
Price to entry level
At the current price of $10.87, CLBK trades 75.2% above the conservative entry level of $2.70. This entry level represents a 20% margin of safety below the calculated fair price of $3.37 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
SYNCING FEED ▌
P/E RATIO HISTORY
SYNCING FEED ▌
METHODOLOGY
How we calculate CLBK's fair price
Columbia Financial, Inc.'s fair price of $3.37 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $10.87, CLBK trades 69.0% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CLBK's risk profile.
RELATIVE · 30%
Comparing CLBK's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for CLBK, weighted by recency and analyst accuracy.
TRY IT YOURSELF
Want to test your own assumptions? Use our free calculators to estimate CLBK's fair value with your own inputs.
CLBK DCF Calculator
Pre-filled with CLBK's real free cash flow and share count — set your own growth and discount rate to calculate intrinsic value.
Graham Number
Enter CLBK's EPS and book value to see the maximum price Benjamin Graham would pay for this stock.
P/E Ratio Calculator
Check how much investors pay per dollar of CLBK's earnings and compare it against sector benchmarks.
EV/EBITDA Calculator
Compare CLBK against peers on a debt-adjusted basis using enterprise value and EBITDA.
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What is the fair price of CLBK?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Columbia Financial, Inc. is $3.37. At the current market price of $10.87, CLBK trades 69.0% above its calculated fair value.
Is CLBK overvalued or undervalued?+
Columbia Financial, Inc. is currently overvalued based on our valuation model. The stock trades at $10.87, which is 69.0% above the fair price of $3.37.
What is the margin of safety for CLBK?+
With a 20% margin of safety applied to the fair price of $3.37, the conservative entry level for CLBK is $2.70. At the current market price of $10.87, the stock trades 75.2% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is CLBK's fair price updated?+
We update fair price calculations for CLBK daily after market close. The current fair price of $3.37 incorporates the latest market data and sector multiples.
What factors affect CLBK's fair price calculation?+
CLBK's fair price of $3.37 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight)..
Is CLBK a good buy right now?+
At $10.87, CLBK trades 69.0% above our fair value estimate of $3.37. The stock is currently overvalued. Fair Price Index provides valuation data — always do your own research before investing.
Does CLBK pay dividends?+
CLBK does not currently pay a dividend.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.