Free Trial
→ HIDDEN IN THE BOOK OF GENESIS… (From Paradigm Press) (Ad) Free CLBK Stock Alerts

Columbia Financial (CLBK) Financials

Columbia Financial logo
$14.12 -0.14 (-0.98%)
Closing price 08/7/2025 04:00 PM Eastern
Extended Trading
$14.12 0.00 (0.00%)
As of 08/7/2025 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Columbia Financial

Annual Income Statements for Columbia Financial

This table shows Columbia Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2016 9/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 33 31 23 55 58 92 86 36 -12
Consolidated Net Income / (Loss)		 33 31 23 55 58 92 86 36 -12
Net Income / (Loss) Continuing Operations		 33 31 23 55 58 92 86 36 -12
Total Pre-Tax Income 		50 47 34 71 76 126 117 46 -16
Total Revenue		 144 157 186 204 253 272 297 233 180
Net Interest Income / (Expense)		 125 140 164 172 222 233 267 206 178
Total Interest Income		 169 184 226 261 296 270 310 395 451
Loans and Leases Interest Income		 152 165 190 218 255 229 264 344 382
Investment Securities Interest Income		 17 19 35 43 40 41 46 43 54
Federal Funds Sold and Securities Borrowed Interest Income		 0.21 0.31 1.18 0.59 0.41 0.43 0.47 8.19 15
Total Interest Expense		 44 44 62 89 74 37 43 189 273
Deposits Interest Expense		 24 26 40 62 55 29 28 125 202
Long-Term Debt Interest Expense		 20 19 23 27 19 7.91 15 64 71
Total Non-Interest Income		 19 17 22 32 31 39 30 27 1.89
Other Service Charges		 8.75 8.43 4.94 5.92 6.98 12 14 19 18
Net Realized & Unrealized Capital Gains on Investments		 0.57 -1.84 0.73 3.40 5.81 13 0.39 -9.63 -35
Other Non-Interest Income		 9.61 11 16 22 18 14 16 18 19
Provision for Credit Losses		 0.42 6.43 6.68 4.22 18 -9.95 5.49 4.79 14
Total Non-Interest Expense		 94 103 145 129 158 156 175 182 181
Salaries and Employee Benefits		 58 63 77 84 101 100 117 121 109
Net Occupancy & Equipment Expense		 15 16 2.60 25 29 32 36 38 39
Marketing Expense		 2.94 4.08 4.14 3.93 2.64 2.36 2.87 2.81 2.51
Property & Liability Insurance Claims		 2.38 1.65 1.89 0.90 1.90 2.37 2.59 8.64 7.58
Other Operating Expenses		 15 19 60 12 20 16 14 11 18
Restructuring Charge		 - - 0.00 2.76 1.93 0.82 2.81 0.61 1.67
Other Special Charges		 - - 0.00 0.00 1.16 2.85 0.00 0.30 3.45
Income Tax Expense		 17 16 11 16 19 34 31 9.97 -4.26
Basic Earnings per Share		 $0.00 $0.00 $0.20 $0.49 $0.52 $0.88 $0.82 $0.35 ($0.11)
Weighted Average Basic Shares Outstanding		 0.00 0.00 111.40M 111.10M 109.76M 104.16M 105.58M 102.66M 101.68M
Diluted Earnings per Share		 $0.00 $0.00 $0.20 $0.49 $0.52 $0.88 $0.81 $0.35 ($0.11)
Weighted Average Diluted Shares Outstanding		 0.00 0.00 111.40M 111.10M 109.76M 104.16M 106.19M 102.89M 101.84M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 111.40M 111.10M 109.76M 106.70M 107.97M 104.92M 104.73M

Quarterly Income Statements for Columbia Financial

This table shows Columbia Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 21 22 19 1.66 9.13 6.57 -1.16 4.54 6.19 -21
Consolidated Net Income / (Loss)		 21 22 19 1.66 9.13 6.57 -1.16 4.54 6.19 -21
Net Income / (Loss) Continuing Operations		 21 22 19 1.66 9.13 6.57 -1.16 4.54 6.19 -21
Total Pre-Tax Income 		28 30 25 1.92 12 7.43 -1.28 4.82 7.32 -27
Total Revenue		 77 76 69 51 57 57 50 53 54 23
Net Interest Income / (Expense)		 69 68 61 51 49 45 42 44 45 46
Total Interest Income		 80 88 93 96 98 108 109 113 116 114
Loans and Leases Interest Income		 69 76 80 84 88 92 93 95 98 96
Investment Securities Interest Income		 11 12 12 10 10 11 12 14 14 14
Federal Funds Sold and Securities Borrowed Interest Income		 0.15 0.23 0.81 1.80 0.75 4.83 3.56 4.46 3.85 3.31
Total Interest Expense		 11 20 32 45 50 62 66 69 71 67
Deposits Interest Expense		 6.97 12 17 29 36 43 48 50 52 52
Long-Term Debt Interest Expense		 3.81 7.99 15 16 14 19 18 19 18 15
Total Non-Interest Income		 8.16 7.53 8.07 -0.55 8.60 11 7.45 9.18 8.98 -24
Other Service Charges		 4.49 3.84 4.67 5.38 4.30 4.30 4.48 4.76 4.49 4.18
Net Realized & Unrealized Capital Gains on Investments		 -0.00 -0.01 -0.50 -9.68 0.40 0.15 -0.72 0.18 0.43 -35
Other Non-Interest Income		 3.68 3.70 3.91 3.75 3.91 6.79 3.70 4.24 4.05 6.94
Provision for Credit Losses		 1.52 0.97 0.18 1.08 2.38 1.16 5.28 2.19 4.10 2.88
Total Non-Interest Expense		 48 45 44 48 43 48 46 46 43 47
Salaries and Employee Benefits		 32 31 31 32 29 28 28 28 28 27
Net Occupancy & Equipment Expense		 9.64 9.08 9.58 9.34 9.30 9.74 9.94 9.97 9.72 9.43
Marketing Expense		 0.77 0.65 0.69 0.79 0.83 0.50 0.63 0.66 0.77 0.46
Property & Liability Insurance Claims		 0.65 0.67 0.69 1.73 1.20 5.02 2.36 1.88 1.52 1.83
Other Operating Expenses		 4.06 3.45 1.88 3.02 2.79 3.57 5.20 5.39 3.07 3.92
Restructuring Charge		 1.20 0.13 0.00 0.27 0.01 0.33 0.02 0.69 0.02 0.93
Income Tax Expense		 7.04 8.55 6.14 0.26 2.71 0.87 -0.13 0.28 1.13 -5.54
Basic Earnings per Share		 $0.20 $0.20 $0.18 $0.02 $0.09 $0.06 ($0.01) $0.04 $0.06 ($0.20)
Weighted Average Basic Shares Outstanding		 106.93M 105.58M 104.63M 102.41M 101.97M 102.66M 101.75M 101.65M 101.62M 101.68M
Diluted Earnings per Share		 $0.19 $0.20 $0.18 $0.02 $0.09 $0.06 ($0.01) $0.04 $0.06 ($0.20)
Weighted Average Diluted Shares Outstanding		 107.53M 106.19M 105.15M 102.52M 102.10M 102.89M 101.99M 101.65M 101.83M 101.84M
Weighted Average Basic & Diluted Shares Outstanding		 109.58M 107.97M 105.81M 105.37M 104.91M 104.92M 104.81M 104.73M 104.72M 104.73M

Annual Cash Flow Statements for Columbia Financial

This table details how cash moves in and out of Columbia Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2016 9/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 2.52 55 -23 33 347 -352 108 244 -134
Net Cash From Operating Activities		 59 36 57 22 49 99 142 41 33
Net Cash From Continuing Operating Activities		 59 36 57 22 49 99 142 41 33
Net Income / (Loss) Continuing Operations		 33 31 23 55 58 92 86 36 -12
Consolidated Net Income / (Loss)		 33 31 23 55 58 92 86 36 -12
Provision For Loan Losses		 0.42 6.43 6.68 4.22 18 -9.95 5.49 4.79 14
Depreciation Expense		 3.18 3.36 3.84 4.88 6.54 6.72 7.32 7.77 8.22
Amortization Expense		 2.81 2.52 3.98 2.48 4.86 12 15 14 9.95
Non-Cash Adjustments to Reconcile Net Income		 17 -4.07 26 5.24 11 17 18 15 33
Changes in Operating Assets and Liabilities, net		 2.90 -3.37 -6.67 -50 -49 -18 10 -36 -21
Net Cash From Investing Activities		 -291 -330 -943 -521 258 -444 -615 40 39
Net Cash From Continuing Investing Activities		 -291 -330 -943 -522 258 -444 -615 40 39
Purchase of Property, Leasehold Improvements and Equipment		 -3.67 -6.53 -13 -19 -4.62 -5.49 -7.20 -7.64 -7.45
Purchase of Investment Securities		 -597 -679 -1,125 -951 -409 -1,287 -290 -253 -562
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.02 0.01 0.00 0.00 1.88 1.77 0.00 1.22
Divestitures		 - - - - 155 20 141 0.00 0.00
Sale and/or Maturity of Investments		 310 355 195 449 516 827 528 612 605
Other Investing Activities, net		 0.00 0.00 - - - - -988 -311 2.25
Net Cash From Financing Activities		 234 350 863 533 41 -7.09 581 164 -207
Net Cash From Continuing Financing Activities		 234 350 863 533 41 -7.09 581 164 -207
Net Change in Deposits		 250 301 151 449 800 581 -72 -155 250
Issuance of Debt		 34 168 521 140 90 -177 783 536 271
Issuance of Common Equity		 0.00 0.00 492 1.11 - 0.00 0.00 0.01 0.00
Repayment of Debt		 -55 -117 -210 -4.92 -737 -307 -39 -135 -723
Repurchase of Common Equity		 - - 0.00 -55 -108 -108 -94 -80 -5.89
Other Financing Activities, Net		 4.51 -2.06 -39 3.12 -4.12 3.02 2.64 -2.60 1.03
Cash Interest Paid		 45 44 62 87 76 38 41 184 274
Cash Income Taxes Paid		 8.04 28 21 -2.89 11 16 16 9.25 0.94

Quarterly Cash Flow Statements for Columbia Financial

This table details how cash moves in and out of Columbia Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -7.10 77 140 -226 111 219 -50 18 -108 5.72
Net Cash From Operating Activities		 37 30 -3.61 34 43 -32 14 19 -28 29
Net Cash From Continuing Operating Activities		 37 30 -3.61 34 43 -32 14 19 -28 29
Net Income / (Loss) Continuing Operations		 21 22 19 1.66 9.13 6.57 -1.16 4.54 6.19 -21
Consolidated Net Income / (Loss)		 21 22 19 1.66 9.13 6.57 -1.16 4.54 6.19 -21
Provision For Loan Losses		 1.52 0.97 0.18 1.08 2.38 1.16 5.28 2.19 4.10 2.88
Depreciation Expense		 1.85 1.86 1.87 1.95 1.99 1.96 2.01 2.06 2.05 2.10
Amortization Expense		 3.87 3.49 3.51 3.61 3.53 2.90 2.73 2.36 2.50 2.36
Non-Cash Adjustments to Reconcile Net Income		 -4.04 17 1.35 8.11 1.19 4.08 1.96 2.72 -0.13 29
Changes in Operating Assets and Liabilities, net		 13 -16 -29 17 25 -49 3.32 4.70 -43 14
Net Cash From Investing Activities		 -306 -321 -64 308 -142 -63 -49 -104 13 180
Net Cash From Continuing Investing Activities		 -306 -321 -64 308 -142 -63 -49 -104 13 180
Purchase of Property, Leasehold Improvements and Equipment		 -2.48 -2.34 -1.73 -1.09 -2.50 -2.32 -1.67 -1.38 -2.78 -1.62
Purchase of Investment Securities		 -388 589 -62 -23 -90 -78 -149 -138 -30 -245
Sale of Property, Leasehold Improvements and Equipment		 - 0.76 - - - - - - - -0.05
Sale and/or Maturity of Investments		 84 79 130 367 50 64 52 45 95 413
Other Investing Activities, net		 - - -131 -35 -99 -47 49 -9.81 -50 13
Net Cash From Financing Activities		 261 368 207 -568 210 314 -15 103 -92 -203
Net Cash From Continuing Financing Activities		 261 368 207 -568 210 314 -15 103 -92 -203
Net Change in Deposits		 32 -64 -327 40 -11 143 -17 -48 177 138
Issuance of Debt		 291 492 590 -328 50 225 17 208 -158 204
Repayment of Debt		 -37 -39 -10 -258 186 -53 -15 -55 -105 -547
Other Financing Activities, Net		 -6.06 0.95 2.11 0.45 -6.11 0.95 2.21 1.88 -5.55 2.49
Cash Interest Paid		 10 18 28 46 50 60 66 69 71 69
Cash Income Taxes Paid		 1.31 2.50 0.58 5.47 0.23 2.97 0.66 0.01 -0.05 0.32

Annual Balance Sheets for Columbia Financial

This table presents Columbia Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2019 2020 2021 2022 2023 2024
Period end date 9/30/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 5,429 8,189 8,799 9,224 10,408 10,646 10,475
Cash and Due from Banks		 101 75 423 71 179 846 578
Interest Bearing Deposits at Other Banks		 - 0.13 0.17 0.26 0.13 0.11 0.11
Trading Account Securities		 690 1,387 1,585 2,136 1,754 1,098 1,033
Loans and Leases, Net of Allowance		 0.00 -62 6,107 6,298 7,625 7,819 7,857
Loans and Leases		 - - 6,182 6,361 7,678 7,875 7,917
Allowance for Loan and Lease Losses		 - 62 75 63 53 55 60
Premises and Equipment, Net		 41 73 76 79 84 84 82
Intangible Assets		 6.02 69 87 92 125 123 121
Other Assets		 284 6,646 516 6,846 642 697 701
Total Liabilities & Shareholders' Equity		 5,429 8,189 8,799 9,224 10,408 10,646 10,475
Total Liabilities		 4,953 7,206 7,787 8,145 9,355 9,605 9,395
Non-Interest Bearing Deposits		 4,123 5,646 6,779 7,570 8,001 7,847 8,096
Interest Bearing Deposits		 27 36 33 36 45 44 45
Long-Term Debt		 733 1,407 799 377 1,127 1,529 1,081
Other Long-Term Liabilities		 70 118 177 161 181 186 173
Total Equity & Noncontrolling Interests		 476 983 1,011 1,079 1,054 1,040 1,080
Total Preferred & Common Equity		 476 983 1,011 1,079 1,054 1,040 1,080
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 476 983 1,011 1,079 1,054 1,038 1,078
Common Stock		 - 531 609 667 779 790 798
Retained Earnings		 522 615 673 765 858 894 882
Treasury Stock		 - -55 -163 -272 -372 -454 -461
Accumulated Other Comprehensive Income / (Loss)		 -46 -69 -70 -46 -179 -159 -110
Other Equity Adjustments		 - -41 -38 -35 -32 -32 -30

Quarterly Balance Sheets for Columbia Financial

This table presents Columbia Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 10,012 10,635 10,085 10,324 10,638 10,764 10,687
Cash and Due from Banks		 102 319 93 204 747 782 283
Interest Bearing Deposits at Other Banks		 0.13 0.11 0.11 0.11 0.11 0.11 0.11
Trading Account Securities		 1,800 1,693 1,417 1,434 1,192 1,268 1,678
Loans and Leases, Net of Allowance		 7,274 7,734 7,707 7,786 7,760 7,762 7,799
Loans and Leases		 7,326 7,787 7,760 7,841 7,816 7,819 7,857
Allowance for Loan and Lease Losses		 52 53 53 54 55 57 58
Premises and Equipment, Net		 84 84 83 83 83 83 82
Intangible Assets		 126 125 125 124 123 122 122
Other Assets		 625 8,414 661 691 708 727 722
Total Liabilities & Shareholders' Equity		 10,012 10,635 10,085 10,324 10,638 10,764 10,687
Total Liabilities		 8,983 9,596 9,062 9,316 9,599 9,717 9,607
Non-Interest Bearing Deposits		 8,065 7,674 7,714 7,703 7,829 7,782 7,958
Interest Bearing Deposits		 44 48 48 42 46 48 43
Long-Term Debt		 674 1,707 1,120 1,356 1,530 1,684 1,421
Other Long-Term Liabilities		 199 167 180 214 194 204 186
Total Equity & Noncontrolling Interests		 1,030 1,039 1,023 1,007 1,038 1,047 1,079
Total Preferred & Common Equity		 1,030 1,039 1,023 1,007 1,038 1,047 1,079
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,030 1,039 1,023 1,007 1,036 1,045 1,079
Common Stock		 778 782 785 788 792 795 796
Retained Earnings		 836 876 878 887 892 897 903
Treasury Stock		 -349 -420 -442 -452 -456 -460 -461
Accumulated Other Comprehensive Income / (Loss)		 -201 -168 -166 -185 -161 -155 -131
Other Equity Adjustments		 -33 -32 -32 -31 -32 -31 -28

Annual Metrics And Ratios for Columbia Financial

This table displays calculated financial ratios and metrics derived from Columbia Financial's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2016 9/30/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 9.04% 18.33% 9.85% 23.94% 7.56% 9.27% -21.51% -22.88%
EBITDA Growth		 0.00% -4.99% -21.69% 89.12% 11.76% 64.75% -3.71% -51.55% -96.64%
EBIT Growth		 0.00% -5.38% -28.51% 111.18% 7.28% 65.47% -7.37% -60.60% -134.55%
NOPAT Growth		 0.00% -5.71% -26.83% 140.66% 5.27% 59.80% -6.38% -58.12% -130.86%
Net Income Growth		 0.00% -5.71% -26.83% 140.66% 5.27% 59.80% -6.38% -58.12% -132.29%
EPS Growth		 0.00% 0.00% 0.00% 145.00% 6.12% 69.23% -7.95% -56.79% -131.43%
Operating Cash Flow Growth		 0.00% -38.91% 57.03% -61.44% 124.73% 101.26% 44.02% -71.36% -18.16%
Free Cash Flow Firm Growth		 0.00% 0.00% 204.57% -289.56% 127.26% -29.88% -242.97% 44.79% 212.66%
Invested Capital Growth		 0.00% 0.00% -100.00% 0.00% -24.23% -19.57% 49.73% 17.81% -15.88%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% -0.26% 2.76% -7.65% -15.85%
EBITDA Q/Q Growth		 0.00% 0.00% 4,826.01% 505.81% 570.46% 7.61% -1.55% -25.86% -93.85%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 3.91% -1.28% -33.31% -187.01%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 3.00% -1.65% -29.80% -169.01%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 3.00% -1.65% -29.80% -172.20%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 4.76% -2.41% -28.57% -173.33%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 485.92% -74.73% 28,086.21% -8.94% -0.89% -60.52% 218.78%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -6,015.94% 619.91% 30.73% -487.98% 42.11% 430.76%
Invested Capital Q/Q Growth		 0.00% 0.00% -100.00% 12.66% -10.92% -18.20% 28.00% 8.69% -13.55%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 38.73% 33.74% 22.33% 38.45% 34.67% 53.10% 46.79% 28.88% 1.26%
EBIT Margin		 34.57% 30.00% 18.12% 34.84% 30.16% 46.40% 39.33% 19.74% -8.85%
Profit (Net Income) Margin		 22.89% 19.80% 12.24% 26.82% 22.78% 33.85% 29.00% 15.47% -6.48%
Tax Burden Percent		 66.23% 66.00% 67.55% 76.98% 75.54% 72.95% 73.73% 78.36% 73.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.77% 34.00% 32.45% 23.02% 24.46% 27.05% 26.27% 21.64% 0.00%
Return on Invested Capital (ROIC)		 0.00% 5.14% 3.76% 4.58% 2.74% 5.64% 4.74% 1.52% -0.47%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 5.14% 3.76% 4.58% 2.74% 5.64% 4.74% 1.52% -0.51%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 7.92% 5.79% 6.56% 3.04% 3.17% 3.34% 1.93% -0.63%
Return on Equity (ROE)		 0.00% 13.06% 9.55% 11.14% 5.78% 8.81% 8.08% 3.45% -1.10%
Cash Return on Invested Capital (CROIC)		 0.00% -194.86% 203.76% -195.42% 30.31% 27.32% -35.09% -14.83% 16.78%
Operating Return on Assets (OROA)		 0.00% 0.87% 1.24% 1.74% 0.90% 1.40% 1.19% 0.44% -0.15%
Return on Assets (ROA)		 0.00% 0.57% 0.84% 1.34% 0.68% 1.02% 0.88% 0.34% -0.11%
Return on Common Equity (ROCE)		 0.00% 13.06% 9.55% 11.14% 5.78% 8.81% 8.08% 3.44% -1.10%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 6.53% 0.00% 5.57% 5.70% 8.53% 8.18% 3.47% -1.08%
Net Operating Profit after Tax (NOPAT)		 33 31 23 55 58 92 86 36 -11
NOPAT Margin		 22.89% 19.80% 12.24% 26.82% 22.78% 33.85% 29.00% 15.47% -6.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.04%
SG&A Expenses to Revenue		 52.79% 52.65% 45.21% 55.41% 52.52% 49.07% 52.41% 69.29% 83.98%
Operating Expenses to Revenue		 65.14% 65.91% 78.28% 63.09% 62.54% 57.26% 58.83% 78.21% 100.81%
Earnings before Interest and Taxes (EBIT)		 50 47 34 71 76 126 117 46 -16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 56 53 41 78 88 144 139 67 2.27
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 1.97 1.73 2.05 2.25 1.95 1.54
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 2.12 1.90 2.25 2.55 2.21 1.73
Price to Revenue (P/Rev)		 0.00 0.00 9.54 9.48 6.93 8.15 7.97 8.67 9.20
Price to Earnings (P/E)		 0.00 0.00 77.94 35.34 30.43 24.09 27.49 56.05 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 1.28% 2.83% 3.29% 4.15% 3.64% 1.78% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 1.37 1.18 1.73 1.52 1.05 1.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 9.54 16.01 8.42 9.28 11.16 11.60 12.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 42.72 41.63 24.29 17.47 23.85 40.15 952.69
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 52.64 45.94 27.92 20.00 28.38 58.74 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 77.94 59.68 36.97 27.41 38.49 74.96 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 31.31 149.63 43.42 25.57 23.33 66.43 64.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.44 0.00 3.35 5.65 0.00 0.00 5.44
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 1.54 0.00 1.43 0.79 0.35 1.07 1.47 1.00
Long-Term Debt to Equity		 0.00 1.54 0.00 1.43 0.79 0.35 1.07 1.47 1.00
Financial Leverage		 0.00 1.54 1.54 1.43 1.11 0.56 0.71 1.27 1.23
Leverage Ratio		 0.00 11.41 11.41 8.33 8.52 8.62 9.21 10.05 9.96
Compound Leverage Factor		 0.00 11.41 11.41 8.33 8.52 8.62 9.21 10.05 9.96
Debt to Total Capital		 0.00% 60.63% 0.00% 58.88% 44.15% 25.91% 51.68% 59.50% 50.01%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 60.63% 0.00% 58.88% 44.15% 25.91% 51.68% 59.50% 50.01%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 39.37% 0.00% 41.12% 55.85% 74.09% 48.32% 40.41% 49.88%
Debt to EBITDA		 0.00 13.84 0.00 17.94 9.12 2.61 8.10 22.69 477.09
Net Debt to EBITDA		 0.00 11.94 0.00 16.97 4.29 2.12 6.82 10.13 221.70
Long-Term Debt to EBITDA		 0.00 13.84 0.00 17.94 9.12 2.61 8.10 22.69 477.09
Debt to NOPAT		 0.00 23.59 0.00 25.71 13.88 4.10 13.08 42.36 -97.03
Net Debt to NOPAT		 0.00 20.34 0.00 24.33 6.53 3.33 11.00 18.90 -45.09
Long-Term Debt to NOPAT		 0.00 23.59 0.00 25.71 13.88 4.10 13.08 42.36 -97.03
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.11% 0.22%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -1,178 1,232 -2,335 636 446 -638 -352 397
Operating Cash Flow to CapEx		 1,609.60% 553.63% 426.67% 112.82% 1,060.64% 2,731.91% 2,617.05% 533.28% 535.02%
Free Cash Flow to Firm to Interest Expense		 0.00 -26.50 19.78 -26.32 8.59 12.06 -14.88 -1.86 1.45
Operating Cash Flow to Interest Expense		 1.34 0.81 0.91 0.25 0.66 2.67 3.31 0.22 0.12
Operating Cash Flow Less CapEx to Interest Expense		 1.26 0.66 0.70 0.03 0.60 2.57 3.19 0.17 0.10
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.03 0.07 0.05 0.03 0.03 0.03 0.02 0.02
Fixed Asset Turnover		 0.00 3.84 0.00 0.00 3.40 3.52 3.66 2.79 2.18
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 0.00 1,209 0.00 2,390 1,811 1,456 2,181 2,569 2,161
Invested Capital Turnover		 0.00 0.26 0.31 0.17 0.12 0.17 0.16 0.10 0.08
Increase / (Decrease) in Invested Capital		 0.00 1,209 -1,209 2,390 -579 -354 724 388 -408
Enterprise Value (EV)		 0.00 0.00 1,772 3,265 2,129 2,523 3,317 2,705 2,158
Market Capitalization		 0.00 0.00 1,772 1,934 1,753 2,217 2,369 2,023 1,656
Book Value per Share		 $0.00 $0.00 $0.00 $8.61 $8.98 $10.15 $9.62 $9.89 $10.29
Tangible Book Value per Share		 $0.00 $0.00 $0.00 $8.01 $8.20 $9.29 $8.47 $8.72 $9.14
Total Capital		 0.00 1,209 0.00 2,390 1,811 1,456 2,181 2,569 2,161
Total Debt		 0.00 733 0.00 1,407 799 377 1,127 1,529 1,081
Total Long-Term Debt		 0.00 733 0.00 1,407 799 377 1,127 1,529 1,081
Net Debt		 0.00 632 0.00 1,331 376 306 948 682 502
Capital Expenditures (CapEx)		 3.67 6.51 13 19 4.62 3.61 5.43 7.64 6.23
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.52
Net Nonoperating Obligations (NNO)		 0.00 733 0.00 1,407 799 377 1,127 1,529 1,081
Total Depreciation and Amortization (D&A)		 5.99 5.88 7.82 7.36 11 18 22 21 18
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.20 $0.00 $0.52 $0.88 $0.82 $0.35 ($0.11)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 115.89M 0.00 109.67M 104.16M 105.58M 102.66M 101.68M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.20 $0.00 $0.52 $0.88 $0.81 $0.35 ($0.11)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 115.89M 0.00 109.67M 104.16M 106.19M 102.89M 101.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.20 $0.00 $0.52 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 111.40M 0.00 109.76M 106.70M 107.97M 104.92M 104.73M
Normalized Net Operating Profit after Tax (NOPAT)		 33 31 23 57 60 95 88 37 -7.56
Normalized NOPAT Margin		 22.89% 19.80% 12.24% 27.86% 23.71% 34.83% 29.69% 15.78% -4.20%
Pre Tax Income Margin		 34.57% 30.00% 18.12% 34.84% 30.16% 46.40% 39.33% 19.74% -8.85%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 1.13 1.06 0.54 0.80 1.03 3.41 2.72 0.24 -0.06
NOPAT to Interest Expense		 0.75 0.70 0.37 0.62 0.78 2.49 2.01 0.19 -0.04
EBIT Less CapEx to Interest Expense		 1.05 0.91 0.33 0.58 0.97 3.31 2.60 0.20 -0.08
NOPAT Less CapEx to Interest Expense		 0.67 0.55 0.15 0.40 0.71 2.39 1.88 0.15 -0.06
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 101.08% 187.78% 117.08% 109.08% 223.07% -50.58%

Quarterly Metrics And Ratios for Columbia Financial

This table displays calculated financial ratios and metrics derived from Columbia Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 16.74% 11.76% -1.19% -31.78% -26.12% -25.46% -27.97% 5.25% -5.03% -59.87%
EBITDA Growth		 -0.94% -5.75% -8.48% -79.52% -48.48% -65.66% -88.57% 23.49% -31.61% -281.48%
EBIT Growth		 -2.56% -4.74% -9.79% -93.79% -57.67% -75.58% -105.16% 150.86% -38.18% -459.98%
NOPAT Growth		 -0.30% -6.18% -8.24% -92.75% -56.36% -69.99% -104.80% 172.84% -32.26% -385.17%
Net Income Growth		 -0.30% -6.18% -8.24% -92.75% -56.36% -69.99% -106.17% 172.84% -32.26% -423.08%
EPS Growth		 -5.00% -9.09% -10.00% -90.91% -52.63% -70.00% -105.56% 100.00% -33.33% -433.33%
Operating Cash Flow Growth		 881.19% -4.09% -110.98% -19.96% 15.50% -208.43% 491.80% -44.61% -165.39% 189.00%
Free Cash Flow Firm Growth		 -64.19% -286.01% -554.73% -307.79% -765.75% 45.64% 113.96% 9.90% 80.03% 201.96%
Invested Capital Growth		 -4.32% 49.73% 87.38% 43.42% 38.74% 17.81% -6.45% 27.42% 5.76% -15.88%
Revenue Q/Q Growth		 4.23% -1.81% -9.20% -26.59% 12.88% -0.94% -12.26% 7.27% 1.86% -58.14%
EBITDA Q/Q Growth		 -7.86% 6.27% -15.48% -75.26% 131.81% -29.17% -71.86% 167.26% 28.38% -287.95%
EBIT Q/Q Growth		 -9.56% 8.87% -18.33% -92.27% 516.09% -37.19% -117.27% 475.31% 51.82% -465.79%
NOPAT Q/Q Growth		 -8.89% 4.65% -14.47% -91.11% 448.68% -28.05% -113.68% 605.12% 36.23% -402.87%
Net Income Q/Q Growth		 -8.89% 4.65% -14.47% -91.11% 448.68% -28.05% -117.58% 493.07% 36.23% -443.14%
EPS Q/Q Growth		 -13.64% 5.26% -10.00% -88.89% 350.00% -33.33% -116.67% 500.00% 50.00% -433.33%
Operating Cash Flow Q/Q Growth		 -10.60% -20.05% -112.05% 1,029.43% 29.01% -175.06% 143.53% 31.40% -252.30% 202.16%
Free Cash Flow Firm Q/Q Growth		 -68.61% -818.43% -79.61% 48.70% -0.58% 41.34% 146.14% -430.98% 77.71% 399.58%
Invested Capital Q/Q Growth		 14.01% 28.00% 25.90% -21.94% 10.29% 8.69% -0.02% 6.31% -8.45% -13.55%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 43.56% 47.14% 43.88% 14.79% 30.37% 21.71% 6.96% 17.35% 21.87% -98.19%
EBIT Margin		 36.16% 40.10% 36.06% 3.80% 20.72% 13.14% -2.59% 9.05% 13.49% -117.83%
Profit (Net Income) Margin		 27.06% 28.83% 27.16% 3.29% 15.98% 11.61% -2.33% 8.52% 11.40% -93.45%
Tax Burden Percent		 74.82% 71.92% 75.31% 86.62% 77.14% 88.36% 89.95% 94.21% 84.54% 79.31%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.18% 28.08% 24.69% 13.38% 22.86% 11.64% 0.00% 5.79% 15.46% 0.00%
Return on Invested Capital (ROIC)		 4.49% 4.71% 3.82% 0.49% 1.99% 1.14% -0.15% 0.76% 1.00% -6.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.49% 4.71% 3.82% 0.49% 1.99% 1.14% -0.16% 0.76% 1.00% -6.46%
Return on Net Nonoperating Assets (RNNOA)		 3.10% 3.32% 3.95% 0.36% 1.98% 1.45% -0.25% 1.03% 1.33% -7.95%
Return on Equity (ROE)		 7.59% 8.04% 7.77% 0.86% 3.96% 2.59% -0.40% 1.78% 2.34% -14.23%
Cash Return on Invested Capital (CROIC)		 9.44% -35.09% -56.80% -32.20% -29.93% -14.83% 7.27% -23.33% -4.93% 16.78%
Operating Return on Assets (OROA)		 1.09% 1.21% 1.08% 0.10% 0.51% 0.29% -0.05% 0.19% 0.27% -2.01%
Return on Assets (ROA)		 0.81% 0.87% 0.81% 0.09% 0.40% 0.26% -0.05% 0.18% 0.23% -1.59%
Return on Common Equity (ROCE)		 7.59% 8.04% 7.77% 0.86% 3.96% 2.58% -0.40% 1.78% 2.34% -14.20%
Return on Equity Simple (ROE_SIMPLE)		 8.51% 0.00% 8.13% 6.18% 5.10% 0.00% 1.56% 1.82% 1.50% 0.00%
Net Operating Profit after Tax (NOPAT)		 21 22 19 1.66 9.13 6.57 -0.90 4.54 6.19 -19
NOPAT Margin		 27.06% 28.83% 27.16% 3.29% 15.98% 11.61% -1.81% 8.52% 11.40% -82.48%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.00% 0.00% 0.19%
SG&A Expenses to Revenue		 54.24% 53.03% 60.09% 84.15% 68.10% 68.40% 76.69% 71.89% 70.45% 160.58%
Operating Expenses to Revenue		 61.88% 58.63% 63.68% 94.07% 75.12% 84.82% 91.96% 86.83% 78.95% 205.17%
Earnings before Interest and Taxes (EBIT)		 28 30 25 1.92 12 7.43 -1.28 4.82 7.32 -27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 34 36 30 7.48 17 12 3.46 9.24 12 -22
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.27 2.25 1.90 1.79 1.64 1.95 1.74 1.50 1.66 1.54
Price to Tangible Book Value (P/TBV)		 2.58 2.55 2.16 2.04 1.87 2.21 1.98 1.70 1.87 1.73
Price to Revenue (P/Rev)		 8.07 7.97 6.66 6.71 6.55 8.67 8.44 7.24 8.36 9.20
Price to Earnings (P/E)		 26.65 27.49 23.36 28.95 32.20 56.05 111.41 82.22 110.77 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 3.75% 3.64% 4.28% 3.45% 3.11% 1.78% 0.90% 1.22% 0.90% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 1.71 1.52 1.22 1.33 1.19 1.05 1.01 0.90 1.17 1.00
Enterprise Value to Revenue (EV/Rev)		 10.05 11.16 11.34 10.47 11.11 11.60 12.10 11.41 13.68 12.00
Enterprise Value to EBITDA (EV/EBITDA)		 20.58 23.85 24.66 26.65 30.89 40.15 63.81 58.36 79.36 952.69
Enterprise Value to EBIT (EV/EBIT)		 24.55 28.38 29.43 33.53 40.65 58.74 130.07 108.35 159.96 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 33.18 38.49 39.78 45.20 54.61 74.96 159.75 129.47 181.23 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 20.27 23.33 31.80 29.35 27.22 66.43 44.29 56.80 0.00 64.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 17.68 0.00 0.00 0.00 0.00 0.00 13.40 0.00 0.00 5.44
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.65 1.07 1.64 1.10 1.35 1.47 1.47 1.61 1.32 1.00
Long-Term Debt to Equity		 0.65 1.07 1.64 1.10 1.35 1.47 1.47 1.61 1.32 1.00
Financial Leverage		 0.69 0.71 1.03 0.73 1.00 1.27 1.56 1.36 1.33 1.23
Leverage Ratio		 9.32 9.21 9.59 9.46 9.98 10.05 10.24 10.07 10.07 9.96
Compound Leverage Factor		 9.32 9.21 9.59 9.46 9.98 10.05 10.24 10.07 10.07 9.96
Debt to Total Capital		 39.56% 51.68% 62.16% 52.27% 57.38% 59.50% 59.59% 61.67% 56.83% 50.01%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 39.56% 51.68% 62.16% 52.27% 57.38% 59.50% 59.59% 61.67% 56.83% 50.01%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.44% 48.32% 37.84% 47.73% 42.62% 40.41% 40.33% 38.25% 43.17% 49.88%
Debt to EBITDA		 4.77 8.10 12.52 10.45 14.93 22.69 37.71 39.77 38.55 477.09
Net Debt to EBITDA		 4.05 6.82 10.18 9.58 12.67 10.13 19.31 21.30 30.86 221.70
Long-Term Debt to EBITDA		 4.77 8.10 12.52 10.45 14.93 22.69 37.71 39.77 38.55 477.09
Debt to NOPAT		 7.69 13.08 20.20 17.73 26.38 42.36 94.42 88.24 88.03 -97.03
Net Debt to NOPAT		 6.53 11.00 16.42 16.25 22.40 18.90 48.34 47.25 70.46 -45.09
Long-Term Debt to NOPAT		 7.69 13.08 20.20 17.73 26.38 42.36 94.42 88.24 88.03 -97.03
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.11% 0.10% 0.11% 0.00% 0.22%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 98 -702 -1,262 -647 -651 -382 176 -583 -130 389
Operating Cash Flow to CapEx		 1,509.79% 1,897.78% -209.16% 3,079.34% 1,731.91% -1,397.89% 845.96% 1,348.87% -1,018.69% 1,731.58%
Free Cash Flow to Firm to Interest Expense		 9.07 -35.95 -39.40 -14.38 -13.05 -6.14 2.65 -8.42 -1.84 5.79
Operating Cash Flow to Interest Expense		 3.48 1.53 -0.11 0.75 0.87 -0.52 0.21 0.27 -0.40 0.43
Operating Cash Flow Less CapEx to Interest Expense		 3.25 1.45 -0.17 0.72 0.82 -0.56 0.19 0.25 -0.44 0.41
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02
Fixed Asset Turnover		 3.64 3.66 3.67 3.27 3.01 2.79 2.56 2.62 2.58 2.18
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,704 2,181 2,746 2,143 2,364 2,569 2,568 2,731 2,500 2,161
Invested Capital Turnover		 0.17 0.16 0.14 0.15 0.12 0.10 0.08 0.09 0.09 0.08
Increase / (Decrease) in Invested Capital		 -77 724 1,280 649 660 388 -177 588 136 -408
Enterprise Value (EV)		 2,907 3,317 3,361 2,856 2,807 2,705 2,589 2,471 2,925 2,158
Market Capitalization		 2,335 2,369 1,974 1,829 1,655 2,023 1,806 1,569 1,788 1,656
Book Value per Share		 $9.32 $9.62 $9.62 $9.67 $9.56 $9.89 $9.87 $9.97 $10.30 $10.29
Tangible Book Value per Share		 $8.18 $8.47 $8.47 $8.49 $8.38 $8.72 $8.70 $8.80 $9.14 $9.14
Total Capital		 1,704 2,181 2,746 2,143 2,364 2,569 2,568 2,731 2,500 2,161
Total Debt		 674 1,127 1,707 1,120 1,356 1,529 1,530 1,684 1,421 1,081
Total Long-Term Debt		 674 1,127 1,707 1,120 1,356 1,529 1,530 1,684 1,421 1,081
Net Debt		 572 948 1,387 1,027 1,152 682 783 902 1,137 502
Capital Expenditures (CapEx)		 2.48 1.58 1.73 1.09 2.50 2.32 1.67 1.38 2.78 1.67
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.26 0.00 0.00 2.49
Net Nonoperating Obligations (NNO)		 674 1,127 1,707 1,120 1,356 1,529 1,530 1,684 1,421 1,081
Total Depreciation and Amortization (D&A)		 5.72 5.35 5.39 5.56 5.51 4.85 4.74 4.42 4.55 4.46
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.20 $0.20 $0.18 $0.02 $0.09 $0.06 ($0.01) $0.04 $0.06 ($0.20)
Adjusted Weighted Average Basic Shares Outstanding		 106.93M 105.58M 104.63M 102.41M 101.97M 102.66M 101.75M 101.65M 101.62M 101.68M
Adjusted Diluted Earnings per Share		 $0.19 $0.20 $0.18 $0.02 $0.09 $0.06 ($0.01) $0.04 $0.06 ($0.20)
Adjusted Weighted Average Diluted Shares Outstanding		 107.53M 106.19M 105.15M 102.52M 102.10M 102.89M 101.99M 101.65M 101.83M 101.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 109.58M 107.97M 105.81M 105.37M 104.91M 104.92M 104.81M 104.73M 104.72M 104.73M
Normalized Net Operating Profit after Tax (NOPAT)		 22 22 19 1.89 9.14 6.86 -0.88 5.19 6.20 -18
Normalized NOPAT Margin		 28.22% 28.96% 27.16% 3.74% 16.00% 12.12% -1.78% 9.75% 11.44% -79.62%
Pre Tax Income Margin		 36.16% 40.10% 36.06% 3.80% 20.72% 13.14% -2.59% 9.05% 13.49% -117.83%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.60 1.56 0.78 0.04 0.24 0.12 -0.02 0.07 0.10 -0.40
NOPAT to Interest Expense		 1.94 1.12 0.58 0.04 0.18 0.11 -0.01 0.07 0.09 -0.28
EBIT Less CapEx to Interest Expense		 2.36 1.48 0.72 0.02 0.19 0.08 -0.04 0.05 0.06 -0.42
NOPAT Less CapEx to Interest Expense		 1.71 1.04 0.53 0.01 0.13 0.07 -0.04 0.05 0.05 -0.30
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 114.65% 109.08% 141.59% 174.28% 195.54% 223.07% 214.87% 89.45% 50.16% -50.58%

Key Financial Trends

Columbia Financial, Inc. (NASDAQ: CLBK) has experienced notable fluctuations in its financial performance over the past two years, encompassing 2022 through 2024. Below is a summary of key trends and important financial metrics extracted from recent quarterly financial statements.

  • Net interest income remained relatively stable and strong, with Q4 2024 at $46.4 million, consistent with a steady core banking revenue stream supported by loan and lease interest income around $96-$98 million per quarter in 2024.
  • Total revenue showed resiliency, with $22.7 million in Q4 2024 despite market volatility affecting non-interest income.
  • Provision for credit losses remained manageable, generally below $5 million per quarter in recent periods, indicating controlled credit risk.
  • Operating cash flow turned strongly positive, with $28.9 million of net cash from operating activities in Q4 2024, a meaningful improvement compared to negative cash flows in earlier quarters of 2024.
  • Deposit growth is evident, with net change in deposits positive $138 million in Q4 2024 and total deposits consistently high above $8 billion, supporting ongoing lending.
  • Balance sheet assets showed little volatility, with total assets around $10.6 billion end Q3 2024. Loan balances remained stable near $7.9 billion.
  • Investment securities and trading accounts fluctuated, with sales and maturities occasionally significant, impacting net realized capital gains/losses which were negative $34.8 million in Q4 2024.
  • In Q4 2024, the company posted a consolidated net loss of $21.2 million, a significant reversal compared to a net income of $6.2 million in the prior quarter, largely driven by large unrealized losses on investments.
  • Total non-interest expense reached $46.6 million in Q4 2024, higher than past quarters, partly due to restructuring charges and higher operating expenses.
  • Long-term debt remains substantial at $1.42 billion as of Q3 2024, with high interest expense at $15.3 million in Q4 2024, pressuring net income.

Summary: Columbia Financial has maintained strong loan-related interest income and solid deposit funding, which support its net interest income. However, volatility in investment income and elevated non-interest expenses weighed on profitability in the latest quarter, resulting in a considerable net loss. Cash flow from operations showed improvement, and the balance sheet remains robust with high-quality assets and strong deposit base. Investors should watch investment portfolio valuations and expense management going forward as key factors influencing earnings stability.

08/08/25 06:05 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Columbia Financial's Financials

When does Columbia Financial's financial year end?

According to the most recent income statement we have on file, Columbia Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Columbia Financial's net income changed over the last 8 years?

Over the last 8 years, Columbia Financial's net income changed from $32.95 million in 2016 to -$11.65 million in 2024, a change of -135.4%. See where experts think Columbia Financial is headed by visiting Columbia Financial's forecast page.

How has Columbia Financial's revenue changed over the last 8 years?

Over the last 8 years, Columbia Financial's total revenue changed from $143.94 million in 2016 to $179.88 million in 2024, a change of 25.0%.

How much debt does Columbia Financial have?

Columbia Financial's total liabilities were at $9.40 billion at the end of 2024, a 2.2% decrease from 2023, and a 89.7% increase since 2017.

How much cash does Columbia Financial have?

In the past 6 years, Columbia Financial's cash and equivalents has ranged from $70.70 million in 2021 to $846.39 million in 2023, and is currently $578.34 million as of their latest financial filing in 2024.

How has Columbia Financial's book value per share changed over the last 8 years?

Over the last 8 years, Columbia Financial's book value per share changed from 0.00 in 2016 to 10.29 in 2024, a change of 1,029.3%.


Related Companies

This page (NASDAQ:CLBK) was last updated on 8/8/2025 by MarketBeat.com Staff
From Our Partners
HIDDEN IN THE BOOK OF GENESIS…
“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...
Paradigm Press | Sponsored
BREAKING: The House just passed 3 pro-crypto bills!
THREE pro-crypto bills just passed the House! Now, experts believe altcoin season is officially here.
Crypto 101 Media | Sponsored
GENIUS Act: Cancel Your Money?
A new law called the GENIUS Act could quietly trigger the most radical shift in American finance in decades. B...
Priority Gold | Sponsored
Trump set to Boost Social Security Checks by 400%?
If you're collecting or planning to collect social security... You should see this presentation about Presi...
InvestorPlace | Sponsored
Is Elon's empire crumbling?
The Tesla Shock Nobody Sees Coming While headlines scream "Tesla is doomed"... Jeff Brown has uncovered ...
Brownstone Research | Sponsored
REVEALED FREE: Our top 3 stocks to own in 2025 and beyond
Every time Weiss Ratings flashed green like this, the average gain on each and every stock has been 303% (incl...
Weiss Ratings | Sponsored
Critical AI announcement set to ignite AI 2.0
A new 100% tariff on imported chips just rattled the tech sector—sending some stocks soaring and others tumbli...
Timothy Sykes | Sponsored
Trump’s new nightmare
According to Porter Stansberry and Jeff Brown, a government-led financial mobilization is already reshaping Am...
Porter & Company | Sponsored