Columbia Financial vs Lakeland Financial

This page compares Columbia Financial and Lakeland Financial, examining their business models, financial performance, and market context to provide a neutral overview. It outlines similarities and differences in approach and strategy to help readers understand the landscape without forecasts or recommendations. Educational content, not financial advice.

This page compares Columbia Financial and Lakeland Financial, examining their business models, financial performance, and market context to provide a neutral overview. It outlines similarities and dif...

About The Companies

Columbia Financial (CLBK)

Columbia Financial, Inc. (CLBK) is a regional banking company with a market capitalisation of about $1.59 billion. It generates revenue primarily from lending, deposit-taking and fee-based services commonly found in community and commercial banks. Key investor considerations include sensitivity to interest-rate movements (which affect net interest margins), local economic and credit conditions, competition for deposits, and regulatory requirements. Earnings can be cyclical and influenced by loan credit quality and funding costs. Investors often watch capital ratios, loan-loss provisions and deposit trends for signs of resilience or stress. This summary is for educational purposes only and not personal financial advice — values can rise and fall and past performance is not a guide to the future. Before making investment decisions, consider your financial situation and consult a qualified adviser if necessary.

Lakeland Financial (LKFN)

Lakeland Financial Corp (LKFN) is a regional bank holding company with a market capitalisation of about $1.56bn. It operates through a community banking subsidiary offering commercial and consumer loans, deposit accounts and related treasury services. Investors often focus on net interest margin, loan growth, asset quality and efficiency as key drivers of profitability; results can be sensitive to interest-rate movements and the health of local economies. Strengths can include customer deposit stability and relationship lending, while risks include credit losses, competition from larger banks and non-bank lenders, and regulatory oversight. For valuation and comparative purposes, look at price-to-book, return on assets and tangible common equity versus peers. This summary is educational and not personalised investment advice — consider reading the company’s filings, recent results and speak to a qualified adviser to assess suitability for your situation.

Comparison Snapshot

Key Financial Metrics

CLBK

Metric

LKFN

$1.79B

Market Cap

$1.52B

2.22%

Potential Profit

12.04%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Banking Liquidity Strain: Risks and Resilient Options

U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.

Published: October 16, 2025

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Which Baskets Do They Appear In?

Banking Liquidity Strain: Risks and Resilient Options

U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.

Published: October 16, 2025

Explore Basket

Investment Analysis