Stock Ratings / Financials / CLBK / earnings

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Columbia Financial Inc. (CLBK) Next Earnings Date & Expected ±5.2% Move

$10.73 +0.56% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.72

Columbia Financial Inc. (CLBK) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $2.89B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $10.72 (-0.09%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CLBK)Realized 20D OHLCV Swing Band: ±5.2%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY CLBK SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 2% FCF Margin ($81.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$10.80-1.2% Next Q

Q2 (-2Q)

Grade C$10.67+1.7% Next Q

Q3 (-1Q)

Grade C-$10.85-1.1% Next Q

Current

Grade D$10.73-1.4% Hist 90D α

Trajectory: C (58) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CLBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CLBK currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.22) and Max Pain ($11.27) forces dealer call-delta covering toward $12.60.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CLBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CLBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.2% Swing Band

±$0.56 Expected Swing

MODEL EARNINGS SETUP GAUGE

CLBK Quantitative Pre-Earnings Setup: 50/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (50/100)Model Risk Weight (50/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$0	$0	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CLBK)

✓Walkthrough of CLBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CLBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.77%🛡️ HOLDING TREND SUPPORT

2026-10-30O $10.74H $11.07L $10.55C $10.73VOL 5.89M

RES: $11.19SUP: $10.53SMA50: $11.22SMA200: $9.54

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CLBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CLBK Butterfly Map → + Track CLBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CLBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CLBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CLBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CLBK)

Financials Rank #843 of 1096 ⚔️ PFS vs CLBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (CLBK vs. PFS, BKU, TFSL, EBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Columbia Financial Inc. (CLBK) ranks #843 by composite RQD confidence (50/100, grade D) and #373 by equity capitalization ($2.89B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CLBK at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CLBK ACTIVE Columbia Financial Inc.	D	50/100	—	—	—	+0.56%	$2.89B	Benchmark Subject
PFS Provident Financial Services Inc	C	62/100	10.4x	—	10.3%	+0.22%	$3.02B	/pfs-vs-clbk →
BKU BankUnited Inc.	C+	68/100	11.5x	—	8.8%	+1.38%	$3.09B	/bku-vs-clbk →
TFSL TFS Financial Corporation	D	48/100	51.7x	—	4.8%	+0.54%	$4.70B	/tfsl-vs-clbk →
EBC Eastern Bankshares Inc.	C+	69/100	58.6x	—	0.7%	+0.53%	$5.17B	/ebc-vs-clbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2025–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002115119

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Columbia Financial Inc. (CLBK) reported GAAP revenue of $0 , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, CLBK closed FY2025 with $11.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$0	—	—	$11.02B	—

3. CLBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CLBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Columbia Financial Inc. (NASDAQ: CLBK) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $10.73 (+0.56% 1D, market cap $2.89B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, CLBK ranks #843 in composite RQD confidence.

How does CLBK compare to PFS and BKU in the Financials sector?

Within the Financials sector (Savings Institutions), CLBK carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PFS (Provident Financial Services Inc) holds a C grade (62/100 RQD, P/E 10.4x, ROIC 10.3%, cap $3.02B) and BKU (BankUnited Inc.) posts a C+ grade (68/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.09B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CLBK?

Per CLBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002115119), Columbia Financial Inc. generated $0 in revenue, $0 in net income, and $0 in free cash flow against $11.02B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CLBK trading relative to its 50-day, 200-day, and 52-week technical levels?

CLBK last traded at $10.73 (+0.56% on volume of 1,762,117 shares), positioning the stock -4.37% below its 50-day simple moving average ($11.22) and +12.47% above its 200-day simple moving average ($9.54). Across its 52-week range of $6.56 to $12.00, CLBK sits at the 76.7% percentile with a 14-day RSI of 53.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($10.17 to $11.29).

CLBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CLBK's next earnings date?

Based on SEC filing cadence, Columbia Financial Inc. (CLBK)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CLBK stock expected to move on earnings?

Volatility modeling currently projects a ±5.2% event move for CLBK, spanning a range between $10.17 and $11.29.

Direct Sub-Reports: CLBK RQD Cockpit CLBK 12M Forecast CLBK Earnings & Move CLBK Dividends & DRIP CLBK Insiders & 13F CLBK Whale Options CLBK Profit Sankey CLBK News & Why