Stock Ratings / Financials / CLBK / options

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Columbia Financial Inc. (CLBK) Options Positioning, Max Pain & Unusual Sweeps

$10.73 +0.56% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

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

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.2%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CLBK)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CLBK.

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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
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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

What is CLBK's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CLBK.

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