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Columbia Financial (CLBK) Financials

Columbia Financial logo
$14.38 -0.01 (-0.07%)
Closing price 04:00 PM Eastern
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$14.31 -0.07 (-0.49%)
As of 04:20 PM Eastern
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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 2024 2023 2022 2021 2020 2019 2018 2017 2016
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 9/30/2017 9/30/2016
Net Income / (Loss) Attributable to Common Shareholders		 -12 36 86 92 58 55 23 31 33
Consolidated Net Income / (Loss)		 -12 36 86 92 58 55 23 31 33
Net Income / (Loss) Continuing Operations		 -12 36 86 92 58 55 23 31 33
Total Pre-Tax Income 		-16 46 117 126 76 71 34 47 50
Total Revenue		 180 233 297 272 253 204 186 157 144
Net Interest Income / (Expense)		 178 206 267 233 222 172 164 140 125
Total Interest Income		 451 395 310 270 296 261 226 184 169
Loans and Leases Interest Income		 382 344 264 229 255 218 190 165 152
Investment Securities Interest Income		 54 43 46 41 40 43 35 19 17
Federal Funds Sold and Securities Borrowed Interest Income		 15 8.19 0.47 0.43 0.41 0.59 1.18 0.31 0.21
Total Interest Expense		 273 189 43 37 74 89 62 44 44
Deposits Interest Expense		 202 125 28 29 55 62 40 26 24
Long-Term Debt Interest Expense		 71 64 15 7.91 19 27 23 19 20
Total Non-Interest Income		 1.89 27 30 39 31 32 22 17 19
Other Service Charges		 18 19 14 12 6.98 5.92 4.94 8.43 8.75
Net Realized & Unrealized Capital Gains on Investments		 -35 -9.63 0.39 13 5.81 3.40 0.73 -1.84 0.57
Other Non-Interest Income		 19 18 16 14 18 22 16 11 9.61
Provision for Credit Losses		 14 4.79 5.49 -9.95 18 4.22 6.68 6.43 0.42
Total Non-Interest Expense		 181 182 175 156 158 129 145 103 94
Salaries and Employee Benefits		 109 121 117 100 101 84 77 63 58
Net Occupancy & Equipment Expense		 39 38 36 32 29 25 2.60 16 15
Marketing Expense		 2.51 2.81 2.87 2.36 2.64 3.93 4.14 4.08 2.94
Property & Liability Insurance Claims		 7.58 8.64 2.59 2.37 1.90 0.90 1.89 1.65 2.38
Other Operating Expenses		 18 11 14 16 20 12 60 19 15
Restructuring Charge		 1.67 0.61 2.81 0.82 1.93 2.76 0.00 - -
Other Special Charges		 3.45 0.30 0.00 2.85 1.16 0.00 0.00 - -
Income Tax Expense		 -4.26 9.97 31 34 19 16 11 16 17
Basic Earnings per Share		 ($0.11) $0.35 $0.82 $0.88 $0.52 $0.49 $0.20 $0.00 $0.00
Weighted Average Basic Shares Outstanding		 101.68M 102.66M 105.58M 104.16M 109.76M 111.10M 111.40M 0.00 0.00
Diluted Earnings per Share		 ($0.11) $0.35 $0.81 $0.88 $0.52 $0.49 $0.20 $0.00 $0.00
Weighted Average Diluted Shares Outstanding		 101.84M 102.89M 106.19M 104.16M 109.76M 111.10M 111.40M 0.00 0.00
Weighted Average Basic & Diluted Shares Outstanding		 104.73M 104.92M 107.97M 106.70M 109.76M 111.10M 111.40M 0.00 0.00

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

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

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

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

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

Annual Metrics And Ratios for Columbia Financial

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

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

Quarterly Metrics And Ratios for Columbia Financial

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

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

Frequently Asked Questions About Columbia Financial's Financials

When does Columbia Financial's fiscal year end?

According to the most recent income statement we have on file, Columbia Financial's financial year ends in December. Their financial 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 Columbia Financial's forecast for analyst expectations on what’s next for the company.

How has Columbia Financial 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%.


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This page (NASDAQ:CLBK) was last updated on 5/30/2025 by MarketBeat.com Staff
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