Columbia Financial vs 1st Source

This page compares Columbia Financial (COLUMBIA FINANCIAL INC) and 1ST SOURCE CORP, examining their business models, financial performance, and market context. It presents objective information to help readers understand similarities and differences without directing investment choices. Educational content, not financial advice.

This page compares Columbia Financial (COLUMBIA FINANCIAL INC) and 1ST SOURCE CORP, examining their business models, financial performance, and market context. It presents objective information to hel...

Comparison Snapshot

Key Financial Metrics

CLBK

Metric

SRCE

$1.63B

Market Cap

$1.59B

9.56%

Potential Profit

7.81%

Buy

Analyst Rating

Hold

Investment Analysis

Columbia Financial

CLBK

Pros

Columbia Financial operates as a community-focused bank holding company with a diversified loan portfolio including commercial, residential, and consumer loans.
The company has initiated a seventh stock repurchase program authorizing the buyback of up to 1.8 million shares, reflecting potential shareholder value support.
It maintains a low beta of 0.25, indicating relatively low volatility compared to the broader market.

Considerations

Columbia Financial's price-to-earnings ratio is extremely high (around 248.46 trailing, 26.65 forward), indicating potential overvaluation or low earnings relative to price.
The company’s net income is relatively low at approximately $6.17 million on revenue of $187.26 million, suggesting slim profitability margins.
Shares have shown stagnant returns with a five-year decline in earnings despite recent optimism and buyback initiatives.

1st Source

SRCE

Pros

1st Source offers a broad range of banking products including checking, savings, loans, credit cards, investing, and wealth management, enhancing revenue diversification.
The company emphasizes customer service and community engagement, which supports brand loyalty and local market penetration.
It serves a variety of consumer and business financial needs, from personal loans to wealth management, providing multiple growth avenues.

Considerations

Publicly available detailed financial metrics and recent stock performance data for 1st Source are limited compared to Columbia Financial, impacting transparency assessment.
As a regional bank, 1st Source faces competitive pressures from larger national banks and fintech firms, which may constrain growth.
Loan and deposit growth could be susceptible to regional economic conditions and interest rate fluctuations, which may affect profitability.

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.

1st Source (SRCE)

1st Source Corporation is a bank holding company that, through its subsidiaries, provides a broad range of financial products and services. Its main subsidiary, 1st Source Bank, offers commercial and consumer banking, alongside trust and wealth advisory services, to individuals and businesses. The bank has a strong regional presence, operating through dozens of banking centres across Indiana, Michigan, and Florida. Uniquely, it also provides specialised financing for assets like construction equipment, private aircraft, and commercial vehicle fleets. Another subsidiary, 1st Source Insurance, Inc., offers property, casualty, health, and life insurance. This diversified model allows the company to serve various financial needs, from everyday banking to complex financing and insurance. As with any investment, the value can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

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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

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Comparison Snapshot