B+
Bull case
20%
Probability
Target price
$13.25
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
CLBK
Columbia FinancialDNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Improving net interest margin, year-over-year earnings growth, commercial loan production, and the potential scale and deposit benefits from Northfield support the constructive case. Insider purchases provide secondary confidence but do not establish operating performance.
Posture
Defensive
Lead driver
Sentiment
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Higher non-interest expense and merger-related costs may delay normalized earnings visibility.
Momentum
57
Value
42
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $10.50 · Bull $13.25 · Bear $8.25Analysis 2026-07-31; returns require an exact persisted reference.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $14.17
Why
Momentum57 · Δ7d -7.8
Value42 · Δ7d -0.0
Sentiment52 · Δ7d -1.5
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Next scheduled catalyst: earnings 2026-10-28.
- • Sentiment remains the lead driver in the composite, 7D delta -1.5.
Contradictions & invalidation
- • Higher non-interest expense and merger-related costs may delay normalized earnings visibility.
- • Higher provision for credit losses could offset net interest margin improvement.
- • The acquisition is not reflected in Q2 results, and higher provision and operating expenses create uncertainty around normalized earnings.
Catalyst clock
2026-10-28
Q2 earnings showed NIM expansion and higher earnings
Lead driver: Sentiment · See AI snapshot
Momentum
57
8% active weight
Current posture
7d trendImproving
Δ7d
-7.8
Δ21d
-14.9
Value
42
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.5
Δ21d
-0.6
Why this grade
Composite grade D. Momentum 57.2 / Value 41.7 / Sentiment 51.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method
Most likely
B
Base case
45%
Probability
Target price
$10.50
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$8.25
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$2.92B
Beta
0.23
Shares Out
269.55M
P/E (TTM)
108.7
P/S (TTM)
7.74
P/FCF (TTM)
25.77
Rev YoY
+5.1%
EPS YoY
+17.9%
Gross Margin
-
Op Margin
+15.6%
Net Debt
$859.3M
Current Ratio
0.14
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data