CLBK

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Columbia Financial, Inc.

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Key Metrics

Previous Close: $11.69
52-Week Range: $6.21 – $12.00
Market Cap: $1.22B
P/E (TTM): 21.38
EPS (TTM): 0.55
Dividend Yield: 1.71%

Advanced Metrics

Price/Book: 1.02
PEG Ratio: —
Return on Equity: 5.02%
Return on Assets: 0.51%
Gross Margin: 0.00%
Operating Margin: 32.64%
Profit Margin: 21.76%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.25B
Free Cash Flow: —
Revenue Growth: 13.10%
Earnings Growth: 16.70%
Enterprise Value: $3.30B

CLBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$297.18M	$233.25M	$179.88M	$258.70M
Selling, General & Admin	$122.38M	$132.29M	$119.58M	$128.37M
Pretax Income	$116.88M	$46.05M	-$15.91M	$67.99M
Income Tax	$30.70M	$9.96M	-$4.26M	$16.22M
Net Income	$86.17M	$36.09M	-$11.65M	$51.77M
Diluted EPS	0.81	0.35	-0.11	0.51
Diluted Shares	106.19M	102.89M	101.84M	101.81M

CLBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$179.23M	$423.25M	$289.22M	$340.81M
Receivables	$33.90M	$39.34M	$40.38M	$41.49M
Total Assets	$10.41B	$10.65B	$10.48B	$11.02B
Long-Term Debt	$1.13B	$1.53B	$1.08B	$1.18B
Total Debt	$1.13B	$1.53B	$1.08B	$1.18B
Total Liabilities	$9.35B	$9.61B	$9.40B	$9.86B
Retained Earnings	$857.52M	$893.60M	$881.95M	$933.72M
Shareholders' Equity	$1.05B	$1.04B	$1.08B	$1.16B
Net Debt	$947.82M	$1.11B	$791.38M	$842.67M

CLBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$142.16M	$40.72M	$33.32M	$68.40M
Capital Expenditure	-$7.20M	-$7.63M	-$7.45M	-$9.84M
Free Cash Flow	$134.95M	$33.08M	$25.88M	$58.56M
Depreciation & Amortisation	$13.35M	$14.27M	$14.56M	$15.03M
Stock-Based Compensation	$12.29M	$12.07M	$10.30M	$8.15M
Investing Cash Flow	-$614.73M	$39.65M	$39.47M	-$454.16M
Financing Cash Flow	$580.83M	$163.66M	-$206.81M	$437.35M
Share Repurchases	-$98.61M	-$81.12M	-$6.71M	-$13.79M
Net Change in Cash	$108.27M	$244.02M	-$134.03M	$51.58M

CLBK Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$58.80M	$63.88M	$67.25M	$68.78M	$67.14M
Selling, General & Admin	$30.99M	$31.23M	$31.54M	$34.60M	$33.33M
Pretax Income	$12.02M	$16.50M	$19.82M	$19.65M	$18.70M
Income Tax	$3.12M	$4.20M	$4.96M	$3.95M	$5.60M
Net Income	$8.90M	$12.30M	$14.87M	$15.69M	$13.10M
Diluted EPS	0.09	0.12	0.15	0.15	0.13
Diluted Shares	101.82M	101.99M	102.03M	101.43M	101.45M

CLBK Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$256.09M	$248.22M	$253.40M	$340.81M	$276.95M
Receivables	$41.90M	$41.16M	$42.25M	$41.49M	$41.80M
Total Assets	$10.61B	$10.74B	$10.86B	$11.02B	$11.01B
Long-Term Debt	$1.11B	$1.27B	$1.26B	$1.18B	$1.24B
Total Debt	$1.11B	$1.27B	$1.26B	$1.18B	$1.24B
Total Liabilities	$9.51B	$9.62B	$9.71B	$9.86B	$9.84B
Retained Earnings	$890.85M	$903.16M	$918.02M	$933.72M	$946.82M
Shareholders' Equity	$1.10B	$1.12B	$1.14B	$1.16B	$1.17B
Net Debt	$851.50M	$1.02B	$1.01B	$842.67M	$966.51M

CLBK Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$1.58M	$14.64M	$30.96M	$24.38M	$3.14M
Capital Expenditure	-$2.90M	-$1.72M	-$2.84M	-$2.38M	-$1.87M
Free Cash Flow	-$4.48M	$12.92M	$28.12M	$22.00M	$1.27M
Depreciation & Amortisation	$3.65M	$3.69M	$3.82M	$3.87M	$3.94M
Stock-Based Compensation	$2.00M	$2.13M	$1.98M	$2.03M	$1.99M
Investing Cash Flow	-$159.02M	-$130.25M	-$113.46M	-$51.43M	-$56.91M
Financing Cash Flow	$127.47M	$107.74M	$87.69M	$114.46M	-$10.10M
Share Repurchases	-$130.00K	-$49.00K	-$2.84M	-$10.78M	-$103.00K
Net Change in Cash	-$33.13M	-$7.87M	$5.18M	$87.40M	-$63.86M

Market Snapshot

About

Columbia Financial, Inc. is the holding company for Columbia Bank, a community-oriented financial institution headquartered in Fair Lawn, New Jersey. The bank provides traditional banking services including deposit accounts, residential and commercial mortgages, home equity loans, and business lending throughout northern and central New Jersey. Columbia Bank emphasizes relationship banking and local decision-making while serving individuals, families, and businesses in its market area. The company operates a network of branch offices and focuses on building long-term customer relationships through personalized service.