How has Columbia Financial's net income changed over the last 9 years?

Below is a breakdown of Columbia Financial's net income over the past 5 years: 2021: $92.05 million 2022: $86.17 million 2023: $36.09 million 2024: -$11.65 million 2025: $51.77 million Check out Columbia Financial's forecast to explore projected trends and price targets.

Columbia Financial (CLBK) Financials

$20.94 +0.19 (+0.92%)

Closing price 06/9/2026 04:00 PM Eastern

Extended Trading

$20.94 0.00 (0.00%)

As of 04:18 AM Eastern

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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	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	33	31	23	55	58	92	86	36	-12	52
Consolidated Net Income / (Loss)	33	31	23	55	58	92	86	36	-12	52
Net Income / (Loss) Continuing Operations	33	31	23	55	58	92	86	36	-12	52
Total Pre-Tax Income	50	47	34	71	76	126	117	46	-16	68
Total Revenue	144	157	186	204	253	272	297	233	180	259
Net Interest Income / (Expense)	125	140	164	172	222	233	267	206	178	222
Total Interest Income	169	184	226	261	296	270	310	395	451	471
Loans and Leases Interest Income	152	165	190	218	255	229	264	344	382	403
Investment Securities Interest Income	17	19	35	43	40	41	46	43	54	57
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	11
Total Interest Expense	44	44	62	89	74	37	43	189	273	249
Deposits Interest Expense	24	26	40	62	55	29	28	125	202	197
Long-Term Debt Interest Expense	20	19	23	27	19	7.91	15	64	71	52
Total Non-Interest Income	19	17	22	32	31	39	30	27	1.89	37
Other Service Charges	8.75	8.43	4.94	5.92	6.98	12	14	19	18	15
Net Realized & Unrealized Capital Gains on Investments	0.57	-1.84	0.73	3.40	5.81	13	0.39	-8.94	-35	1.50
Other Non-Interest Income	9.61	11	16	22	18	14	16	18	19	20
Provision for Credit Losses	0.42	6.43	6.68	4.22	18	-9.95	5.49	4.79	14	9.82
Total Non-Interest Expense	94	103	145	129	158	156	175	182	181	181
Salaries and Employee Benefits	58	63	77	84	101	100	117	121	109	119
Net Occupancy & Equipment Expense	15	16	2.60	25	29	32	36	38	39	42
Marketing Expense	2.94	4.08	4.14	3.93	2.64	2.36	2.87	2.81	2.51	2.42
Property & Liability Insurance Claims	2.38	1.65	1.89	0.90	1.90	2.37	2.59	8.64	7.58	6.80
Other Operating Expenses	15	19	60	12	20	16	14	11	18	11
Restructuring Charge	-	-	0.00	2.76	1.93	0.82	2.81	0.61	1.67	0.21
Other Special Charges	-	-	0.00	0.00	1.16	2.85	0.00	0.30	3.45	0.00
Income Tax Expense	17	16	11	16	19	34	31	9.97	-4.26	16
Basic Earnings per Share	$0.00	$0.00	$0.20	$0.49	$0.52	$0.88	$0.82	$0.35	($0.11)	$0.51
Weighted Average Basic Shares Outstanding	0.00	0.00	111.40M	111.10M	109.76M	104.16M	105.58M	102.66M	101.68M	101.81M
Diluted Earnings per Share	$0.00	$0.00	$0.20	$0.49	$0.52	$0.88	$0.81	$0.35	($0.11)	$0.51
Weighted Average Diluted Shares Outstanding	0.00	0.00	111.40M	111.10M	109.76M	104.16M	106.19M	102.89M	101.84M	101.81M
Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	111.40M	111.10M	109.76M	106.70M	107.97M	104.92M	104.73M	104.12M

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	9.13	6.57	-1.16	4.54	6.19	-21	8.90	12	15	16	13
Consolidated Net Income / (Loss)	9.13	6.57	-1.16	4.54	6.19	-21	8.90	12	15	16	13
Net Income / (Loss) Continuing Operations	9.13	6.57	-1.16	4.54	6.19	-21	8.90	12	15	16	13
Total Pre-Tax Income	12	7.43	-1.28	4.82	7.32	-27	12	17	20	20	19
Total Revenue	57	57	50	53	54	23	59	64	67	69	67
Net Interest Income / (Expense)	49	45	42	44	45	46	50	54	57	60	60
Total Interest Income	98	108	109	113	116	114	112	116	120	122	119
Loans and Leases Interest Income	88	92	93	95	98	96	95	100	104	105	102
Investment Securities Interest Income	10	11	12	14	14	14	14	14	14	14	14
Federal Funds Sold and Securities Borrowed Interest Income	0.75	4.83	3.56	4.46	3.85	3.31	2.86	2.44	2.62	3.20	2.38
Total Interest Expense	50	62	66	69	71	67	62	63	63	62	58
Deposits Interest Expense	36	43	48	50	52	52	50	49	50	48	46
Long-Term Debt Interest Expense	14	19	18	19	18	15	12	13	13	13	12
Total Non-Interest Income	8.60	11	7.45	9.18	8.98	-24	8.47	10	9.87	8.56	6.75
Other Service Charges	4.30	4.30	4.48	4.76	4.49	4.18	3.26	4.43	3.90	3.84	3.01
Net Realized & Unrealized Capital Gains on Investments	0.40	0.15	-0.72	0.18	0.46	-35	0.82	0.87	0.40	-0.29	-1.14
Other Non-Interest Income	3.91	6.79	3.70	4.24	4.03	6.94	4.39	4.87	5.57	5.01	4.88
Provision for Credit Losses	2.38	1.16	5.28	2.19	4.10	2.88	2.93	2.47	2.34	2.08	0.96
Total Non-Interest Expense	43	48	46	46	43	47	44	45	45	47	47
Salaries and Employee Benefits	29	28	28	28	28	27	29	29	29	32	31
Net Occupancy & Equipment Expense	9.30	9.74	9.94	9.97	9.72	9.43	10	10	11	11	11
Marketing Expense	0.83	0.50	0.63	0.66	0.77	0.46	0.53	0.56	0.51	0.81	0.65
Property & Liability Insurance Claims	1.20	5.02	2.36	1.88	1.52	1.83	1.88	1.74	1.78	1.40	1.59
Other Operating Expenses	2.79	3.57	5.20	5.39	3.07	3.92	2.61	3.60	3.03	1.47	0.89
Restructuring Charge	0.01	0.33	0.02	0.69	0.02	0.93	0.00	0.00	0.00	0.21	1.82
Income Tax Expense	2.71	0.87	-0.13	0.28	1.13	-5.54	3.12	4.20	4.96	3.95	5.60
Basic Earnings per Share	$0.09	$0.06	($0.01)	$0.04	$0.06	($0.20)	$0.09	$0.12	$0.15	$0.15	$0.13
Weighted Average Basic Shares Outstanding	101.97M	102.66M	101.75M	101.65M	101.62M	101.68M	101.82M	101.99M	102.03M	101.81M	101.27M
Diluted Earnings per Share	$0.09	$0.06	($0.01)	$0.04	$0.06	($0.20)	$0.09	$0.12	$0.15	$0.15	$0.13
Weighted Average Diluted Shares Outstanding	102.10M	102.89M	101.99M	101.65M	101.83M	101.84M	101.82M	101.99M	102.03M	101.81M	101.45M
Weighted Average Basic & Diluted Shares Outstanding	104.91M	104.92M	104.81M	104.73M	104.72M	104.73M	104.93M	104.93M	104.31M	104.12M	104.06M

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	2.52	55	-23	33	347	-352	108	244	-134	52
Net Cash From Operating Activities	59	36	57	22	49	99	142	41	33	68
Net Cash From Continuing Operating Activities	59	36	57	22	49	99	142	41	33	68
Net Income / (Loss) Continuing Operations	33	31	23	55	58	92	86	36	-12	52
Consolidated Net Income / (Loss)	33	31	23	55	58	92	86	36	-12	52
Provision For Loan Losses	0.42	6.43	6.68	4.22	18	-9.95	5.49	4.79	14	9.82
Depreciation Expense	3.18	3.36	3.84	4.88	6.54	6.72	7.32	7.77	8.22	8.60
Amortization Expense	2.81	2.52	3.98	2.48	4.86	12	15	14	9.95	9.03
Non-Cash Adjustments to Reconcile Net Income	17	-4.07	26	5.24	11	17	18	15	33	12
Changes in Operating Assets and Liabilities, net	2.90	-3.37	-6.67	-50	-49	-18	10	-36	-21	-23
Net Cash From Investing Activities	-291	-330	-943	-521	258	-444	-615	40	39	-454
Net Cash From Continuing Investing Activities	-291	-330	-943	-522	258	-444	-615	40	39	-454
Purchase of Property, Leasehold Improvements and Equipment	-3.67	-6.53	-13	-19	-4.62	-5.49	-7.20	-7.64	-7.45	-9.84
Purchase of Investment Securities	-597	-679	-1,125	-951	-409	-1,287	-290	-253	-562	-496
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	0.00
Sale and/or Maturity of Investments	310	355	195	449	516	827	528	612	605	334
Other Investing Activities, net	0.00	0.00	-	-	-	-	-988	-311	2.25	-283
Net Cash From Financing Activities	234	350	863	533	41	-7.09	581	164	-207	437
Net Cash From Continuing Financing Activities	234	350	863	533	41	-7.09	581	164	-207	437
Net Change in Deposits	250	301	151	449	800	581	-72	-155	250	348
Issuance of Debt	34	168	521	140	90	-177	783	536	33	175
Issuance of Common Equity	0.00	0.00	492	1.11	-	0.00	0.00	0.01	0.00	0.00
Repayment of Debt	-55	-117	-210	-4.92	-737	-307	-39	-135	-485	-72
Repurchase of Common Equity	-	-	0.00	-55	-108	-108	-94	-80	-5.89	-13
Other Financing Activities, Net	4.51	-2.06	-39	3.12	-4.12	3.02	2.64	-2.60	1.03	-0.10
Cash Interest Paid	45	44	62	87	76	38	41	184	274	250
Cash Income Taxes Paid	8.04	28	21	-2.89	11	16	16	9.25	0.94	0.00

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	111	219	-50	18	-108	5.72	-33	-7.87	5.18	87	-64
Net Cash From Operating Activities	43	-32	14	19	-28	29	-1.58	15	31	24	3.14
Net Cash From Continuing Operating Activities	43	-32	14	19	-28	29	-1.58	15	31	24	3.14
Net Income / (Loss) Continuing Operations	9.13	6.57	-1.16	4.54	6.19	-21	8.90	12	15	16	13
Consolidated Net Income / (Loss)	9.13	6.57	-1.16	4.54	6.19	-21	8.90	12	15	16	13
Provision For Loan Losses	2.38	1.16	5.28	2.19	4.10	2.88	2.93	2.47	2.34	2.08	0.96
Depreciation Expense	1.99	1.96	2.01	2.06	2.05	2.10	2.08	2.14	2.18	2.20	2.27
Amortization Expense	3.53	2.90	2.73	2.36	2.50	2.36	2.04	2.12	2.54	2.34	2.18
Non-Cash Adjustments to Reconcile Net Income	1.19	4.08	1.96	2.72	-0.13	29	-0.70	-6.55	-0.46	19	0.97
Changes in Operating Assets and Liabilities, net	25	-49	3.32	4.70	-43	14	-17	2.17	9.48	-17	-16
Net Cash From Investing Activities	-142	-63	-49	-104	13	180	-159	-130	-113	-51	-57
Net Cash From Continuing Investing Activities	-142	-63	-49	-104	13	180	-159	-130	-113	-51	-57
Purchase of Property, Leasehold Improvements and Equipment	-2.50	-2.32	-1.67	-1.38	-2.78	-1.62	-2.90	-1.72	-2.84	-2.38	-1.87
Purchase of Investment Securities	-90	-78	-149	-138	-30	-245	-112	-219	-321	156	-161
Sale of Property, Leasehold Improvements and Equipment	-	-	0.00	-	-	-0.05	0.02	-	-0.02	-	0.00
Sale and/or Maturity of Investments	50	64	52	45	95	413	61	124	73	76	83
Other Investing Activities, net	-99	-47	49	-9.81	-50	13	-105	-34	137	-281	23
Net Cash From Financing Activities	210	314	-15	103	-92	-203	127	108	88	114	-10
Net Cash From Continuing Financing Activities	210	314	-15	103	-92	-203	127	108	88	114	-10
Net Change in Deposits	-11	143	-17	-48	177	138	99	-59	105	204	-72
Issuance of Debt	50	225	17	208	-158	204	87	165	-97	20	75
Repayment of Debt	186	-53	-15	-55	-105	-547	-60	-	88	-100	-15
Other Financing Activities, Net	-6.11	0.95	2.21	1.88	-5.55	2.49	1.69	2.20	-5.22	1.22	1.98
Cash Interest Paid	50	60	66	69	71	69	62	62	63	62	58
Cash Income Taxes Paid	0.23	2.97	0.66	0.01	-0.05	0.32	0.07	0.01	0.05	-0.12	0.04

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	2025
Period end date	9/30/2017	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	5,429	8,189	8,799	9,224	10,408	10,646	10,475	11,019
Cash and Due from Banks	101	75	423	71	179	846	578	682
Interest Bearing Deposits at Other Banks	-	0.13	0.17	0.26	0.13	0.11	0.11	0.11
Trading Account Securities	690	1,387	1,585	2,136	1,754	1,098	1,033	1,129
Loans and Leases, Net of Allowance	0.00	-62	6,107	6,298	7,625	7,819	7,857	8,225
Loans and Leases	-	-	6,182	6,361	7,678	7,875	7,917	8,292
Allowance for Loan and Lease Losses	-	62	75	63	53	55	60	67
Premises and Equipment, Net	41	73	76	79	84	84	82	83
Intangible Assets	6.02	69	87	92	125	123	121	120
Other Assets	284	6,646	516	6,846	642	697	701	725
Total Liabilities & Shareholders' Equity	5,429	8,189	8,799	9,224	10,408	10,646	10,475	11,019
Total Liabilities	4,953	7,206	7,787	8,145	9,355	9,605	9,395	9,858
Non-Interest Bearing Deposits	4,123	5,646	6,779	7,570	8,001	7,847	8,096	8,444
Interest Bearing Deposits	27	36	33	36	45	44	45	46
Long-Term Debt	733	1,407	799	377	1,127	1,529	1,081	1,183
Other Long-Term Liabilities	70	118	177	161	181	186	173	185
Total Equity & Noncontrolling Interests	476	983	1,011	1,079	1,054	1,040	1,080	1,161
Total Preferred & Common Equity	476	983	1,011	1,079	1,054	1,040	1,080	1,161
Preferred Stock	-	0.00	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	1,158
Common Stock	-	531	609	667	779	790	798	804
Retained Earnings	522	615	673	765	858	894	882	934
Treasury Stock	-	-55	-163	-272	-372	-454	-461	-476
Accumulated Other Comprehensive Income / (Loss)	-46	-69	-70	-46	-179	-159	-110	-76
Other Equity Adjustments	-	-41	-38	-35	-32	-32	-30	-28

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	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	10,012	10,635	10,085	10,324	10,638	10,764	10,687	10,608	10,739	10,856	11,011
Cash and Due from Banks	102	319	93	204	747	782	283	256	248	253	554
Interest Bearing Deposits at Other Banks	0.13	0.11	0.11	0.11	0.11	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	1,485	1,466	1,487	1,205
Loans and Leases, Net of Allowance	7,274	7,734	7,707	7,786	7,760	7,762	7,799	7,965	8,111	8,207	8,191
Loans and Leases	7,326	7,787	7,760	7,841	7,816	7,819	7,857	8,027	8,175	8,273	8,260
Allowance for Loan and Lease Losses	52	53	53	54	55	57	58	62	64	66	69
Premises and Equipment, Net	84	84	83	83	83	83	82	83	82	83	83
Intangible Assets	126	125	125	124	123	122	122	120	120	121	120
Other Assets	625	8,414	661	691	708	727	722	698	711	704	758
Total Liabilities & Shareholders' Equity	10,012	10,635	10,085	10,324	10,638	10,764	10,687	10,608	10,739	10,856	11,011
Total Liabilities	8,983	9,596	9,062	9,316	9,599	9,717	9,607	9,508	9,618	9,715	9,837
Non-Interest Bearing Deposits	8,065	7,674	7,714	7,703	7,829	7,782	7,958	8,195	8,135	8,240	8,372
Interest Bearing Deposits	44	48	48	42	46	48	43	47	50	44	48
Long-Term Debt	674	1,707	1,120	1,356	1,530	1,684	1,421	1,108	1,273	1,263	1,243
Other Long-Term Liabilities	199	167	180	214	194	204	186	158	161	167	173
Total Equity & Noncontrolling Interests	1,030	1,039	1,023	1,007	1,038	1,047	1,079	1,100	1,121	1,141	1,174
Total Preferred & Common Equity	1,030	1,039	1,023	1,007	1,038	1,047	1,079	1,100	1,121	1,141	1,174
Preferred Stock	0.00	0.00	0.00	0.00	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	1,100	1,121	1,141	1,171
Common Stock	778	782	785	788	792	795	796	799	801	802	806
Retained Earnings	836	876	878	887	892	897	903	891	903	918	947
Treasury Stock	-349	-420	-442	-452	-456	-460	-461	-462	-462	-464	-476
Accumulated Other Comprehensive Income / (Loss)	-201	-168	-166	-185	-161	-155	-131	-101	-95	-89	-78
Other Equity Adjustments	-33	-32	-32	-31	-32	-31	-28	-27	-27	-26	-27

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	104,313,352.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	104,313,352.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.50
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	9.04%	18.33%	9.85%	23.94%	7.56%	9.27%	-21.51%	-22.88%	43.82%
EBITDA Growth	0.00%	-4.99%	-21.69%	89.12%	11.76%	64.75%	-3.71%	-51.55%	-96.64%	3,680.26%
EBIT Growth	0.00%	-5.38%	-28.51%	111.18%	7.28%	65.47%	-7.37%	-60.60%	-134.55%	527.34%
NOPAT Growth	0.00%	-5.71%	-26.83%	140.66%	5.27%	59.80%	-6.38%	-58.12%	-130.86%	564.81%
Net Income Growth	0.00%	-5.71%	-26.83%	140.66%	5.27%	59.80%	-6.38%	-58.12%	-132.29%	544.23%
EPS Growth	0.00%	0.00%	0.00%	145.00%	6.12%	69.23%	-7.95%	-56.79%	-131.43%	563.64%
Operating Cash Flow Growth	0.00%	-38.91%	57.03%	-61.44%	124.73%	101.26%	44.02%	-71.36%	-18.16%	105.27%
Free Cash Flow Firm Growth	0.00%	0.00%	204.57%	-289.56%	127.26%	-29.88%	-242.97%	44.79%	212.66%	-133.12%
Invested Capital Growth	0.00%	0.00%	-100.00%	0.00%	-24.23%	-19.57%	49.73%	17.81%	-15.88%	8.48%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-0.26%	2.76%	-7.65%	-15.85%	21.66%
EBITDA Q/Q Growth	0.00%	0.00%	4,826.01%	505.81%	570.46%	7.61%	-1.55%	-25.86%	-93.85%	118.82%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	3.91%	-1.28%	-33.31%	-187.01%	215.03%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	3.00%	-1.65%	-29.80%	-169.01%	248.59%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	3.00%	-1.65%	-29.80%	-172.20%	248.59%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	4.76%	-2.41%	-28.57%	-173.33%	218.75%
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%	-6.20%
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%	-219.29%
Invested Capital Q/Q Growth	0.00%	0.00%	-100.00%	12.66%	-10.92%	-18.20%	28.00%	8.69%	-13.55%	-2.51%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	38.73%	33.74%	22.33%	38.45%	34.67%	53.10%	46.79%	28.88%	1.26%	33.10%
EBIT Margin	34.57%	30.00%	18.12%	34.84%	30.16%	46.40%	39.33%	19.74%	-8.85%	26.28%
Profit (Net Income) Margin	22.89%	19.80%	12.24%	26.82%	22.78%	33.85%	29.00%	15.47%	-6.48%	20.01%
Tax Burden Percent	66.23%	66.00%	67.55%	76.98%	75.54%	72.95%	73.73%	78.36%	73.24%	76.14%
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	33.77%	34.00%	32.45%	23.02%	24.46%	27.05%	26.27%	21.64%	0.00%	23.86%
Return on Invested Capital (ROIC)	0.00%	5.14%	3.76%	4.58%	2.74%	5.64%	4.74%	1.52%	-0.47%	2.30%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	5.14%	3.76%	4.58%	2.74%	5.64%	4.74%	1.52%	-0.51%	2.30%
Return on Net Nonoperating Assets (RNNOA)	0.00%	7.92%	5.79%	6.56%	3.04%	3.17%	3.34%	1.93%	-0.63%	2.32%
Return on Equity (ROE)	0.00%	13.06%	9.55%	11.14%	5.78%	8.81%	8.08%	3.45%	-1.10%	4.62%
Cash Return on Invested Capital (CROIC)	0.00%	-194.86%	203.76%	-195.42%	30.31%	27.32%	-35.09%	-14.83%	16.78%	-5.84%
Operating Return on Assets (OROA)	0.00%	0.87%	1.24%	1.74%	0.90%	1.40%	1.19%	0.44%	-0.15%	0.63%
Return on Assets (ROA)	0.00%	0.57%	0.84%	1.34%	0.68%	1.02%	0.88%	0.34%	-0.11%	0.48%
Return on Common Equity (ROCE)	0.00%	13.06%	9.55%	11.14%	5.78%	8.81%	8.08%	3.44%	-1.10%	4.61%
Return on Equity Simple (ROE_SIMPLE)	0.00%	6.53%	0.00%	5.57%	5.70%	8.53%	8.18%	3.47%	-1.08%	4.46%
Net Operating Profit after Tax (NOPAT)	33	31	23	55	58	92	86	36	-11	52
NOPAT Margin	22.89%	19.80%	12.24%	26.82%	22.78%	33.85%	29.00%	15.47%	-6.19%	20.01%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.04%	0.00%
SG&A Expenses to Revenue	52.79%	52.65%	45.21%	55.41%	52.52%	49.07%	52.41%	69.29%	83.98%	63.07%
Operating Expenses to Revenue	65.14%	65.91%	78.28%	63.09%	62.54%	57.26%	58.83%	78.21%	100.81%	69.92%
Earnings before Interest and Taxes (EBIT)	50	47	34	71	76	126	117	46	-16	68
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	56	53	41	78	88	144	139	67	2.27	86
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	1.40
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	1.56
Price to Revenue (P/Rev)	0.00	0.00	9.54	9.48	6.93	8.15	7.97	8.67	9.20	6.27
Price to Earnings (P/E)	0.00	0.00	77.94	35.34	30.43	24.09	27.49	56.05	0.00	31.31
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%	0.00%	1.28%	2.83%	3.29%	4.15%	3.64%	1.78%	0.00%	3.19%
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	0.91
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	9.54	16.01	8.42	9.28	11.16	11.60	12.00	8.21
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	42.72	41.63	24.29	17.47	23.85	40.15	952.69	24.79
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	52.64	45.94	27.92	20.00	28.38	58.74	0.00	31.22
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	77.94	59.68	36.97	27.41	38.49	74.96	0.00	41.01
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	31.04
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	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	1.54	0.00	1.43	0.79	0.35	1.07	1.47	1.00	1.02
Long-Term Debt to Equity	0.00	1.54	0.00	1.43	0.79	0.35	1.07	1.47	1.00	1.02
Financial Leverage	0.00	1.54	1.54	1.43	1.11	0.56	0.71	1.27	1.23	1.01
Leverage Ratio	0.00	11.41	11.41	8.33	8.52	8.62	9.21	10.05	9.96	9.59
Compound Leverage Factor	0.00	11.41	11.41	8.33	8.52	8.62	9.21	10.05	9.96	9.59
Debt to Total Capital	0.00%	60.63%	0.00%	58.88%	44.15%	25.91%	51.68%	59.50%	50.01%	50.49%
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	0.00%	60.63%	0.00%	58.88%	44.15%	25.91%	51.68%	59.50%	50.01%	50.49%
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	0.00%	39.37%	0.00%	41.12%	55.85%	74.09%	48.32%	40.41%	49.88%	49.40%
Debt to EBITDA	0.00	13.84	0.00	17.94	9.12	2.61	8.10	22.69	477.09	13.82
Net Debt to EBITDA	0.00	11.94	0.00	16.97	4.29	2.12	6.82	10.13	221.70	5.86
Long-Term Debt to EBITDA	0.00	13.84	0.00	17.94	9.12	2.61	8.10	22.69	477.09	13.82
Debt to NOPAT	0.00	23.59	0.00	25.71	13.88	4.10	13.08	42.36	-97.03	22.86
Net Debt to NOPAT	0.00	20.34	0.00	24.33	6.53	3.33	11.00	18.90	-45.09	9.69
Long-Term Debt to NOPAT	0.00	23.59	0.00	25.71	13.88	4.10	13.08	42.36	-97.03	22.86
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.11%	0.22%	0.23%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-1,178	1,232	-2,335	636	446	-638	-352	397	-131
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%	695.37%
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	-0.53
Operating Cash Flow to Interest Expense	1.34	0.81	0.91	0.25	0.66	2.67	3.31	0.22	0.12	0.27
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	0.23
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.03	0.07	0.05	0.03	0.03	0.03	0.02	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	3.14
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	1,209	0.00	2,390	1,811	1,456	2,181	2,569	2,161	2,344
Invested Capital Turnover	0.00	0.26	0.31	0.17	0.12	0.17	0.16	0.10	0.08	0.11
Increase / (Decrease) in Invested Capital	0.00	1,209	-1,209	2,390	-579	-354	724	388	-408	183
Enterprise Value (EV)	0.00	0.00	1,772	3,265	2,129	2,523	3,317	2,705	2,158	2,123
Market Capitalization	0.00	0.00	1,772	1,934	1,753	2,217	2,369	2,023	1,656	1,621
Book Value per Share	$0.00	$0.00	$0.00	$8.61	$8.98	$10.15	$9.62	$9.89	$10.29	$11.10
Tangible Book Value per Share	$0.00	$0.00	$0.00	$8.01	$8.20	$9.29	$8.47	$8.72	$9.14	$9.95
Total Capital	0.00	1,209	0.00	2,390	1,811	1,456	2,181	2,569	2,161	2,344
Total Debt	0.00	733	0.00	1,407	799	377	1,127	1,529	1,081	1,183
Total Long-Term Debt	0.00	733	0.00	1,407	799	377	1,127	1,529	1,081	1,183
Net Debt	0.00	632	0.00	1,331	376	306	948	682	502	502
Capital Expenditures (CapEx)	3.67	6.51	13	19	4.62	3.61	5.43	7.64	6.23	9.84
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.52	0.00
Net Nonoperating Obligations (NNO)	0.00	733	0.00	1,407	799	377	1,127	1,529	1,081	1,183
Total Depreciation and Amortization (D&A)	5.99	5.88	7.82	7.36	11	18	22	21	18	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)	$0.51
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	115.89M	0.00	109.67M	104.16M	105.58M	102.66M	101.68M	101.81M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.20	$0.00	$0.52	$0.88	$0.81	$0.35	($0.11)	$0.51
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	115.89M	0.00	109.67M	104.16M	106.19M	102.89M	101.84M	101.81M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.20	$0.00	$0.52	$0.00	$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	104.12M
Normalized Net Operating Profit after Tax (NOPAT)	33	31	23	57	60	95	88	37	-7.56	52
Normalized NOPAT Margin	22.89%	19.80%	12.24%	27.86%	23.71%	34.83%	29.69%	15.78%	-4.20%	20.07%
Pre Tax Income Margin	34.57%	30.00%	18.12%	34.84%	30.16%	46.40%	39.33%	19.74%	-8.85%	26.28%
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	0.27
NOPAT to Interest Expense	0.75	0.70	0.37	0.62	0.78	2.49	2.01	0.19	-0.04	0.21
EBIT Less CapEx to Interest Expense	1.05	0.91	0.33	0.58	0.97	3.31	2.60	0.20	-0.08	0.23
NOPAT Less CapEx to Interest Expense	0.67	0.55	0.15	0.40	0.71	2.39	1.88	0.15	-0.06	0.17
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	0.00%	0.00%	0.00%	101.08%	187.78%	117.08%	109.08%	223.07%	-50.58%	25.79%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	104,313,352.00	104,118,378.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	104,313,352.00	104,118,378.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.15	0.13
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-26.12%	-25.46%	-27.97%	5.25%	-5.03%	-59.87%	18.42%	19.93%	23.96%	202.84%	14.19%
EBITDA Growth	-48.48%	-65.66%	-88.57%	23.49%	-31.61%	-281.48%	366.60%	124.55%	106.84%	208.49%	43.46%
EBIT Growth	-57.67%	-75.58%	-105.16%	150.86%	-38.18%	-459.98%	1,035.98%	242.44%	170.95%	173.41%	55.56%
NOPAT Growth	-56.36%	-69.99%	-104.80%	172.84%	-32.26%	-385.17%	1,090.21%	171.04%	140.39%	183.77%	47.18%
Net Income Growth	-56.36%	-69.99%	-106.17%	172.84%	-32.26%	-423.08%	870.56%	171.04%	140.39%	173.94%	47.18%
EPS Growth	-52.63%	-70.00%	-105.56%	100.00%	-33.33%	-433.33%	1,000.00%	200.00%	150.00%	175.00%	44.44%
Operating Cash Flow Growth	15.50%	-208.43%	491.80%	-44.61%	-165.39%	189.00%	-111.19%	-21.17%	209.43%	-15.64%	298.55%
Free Cash Flow Firm Growth	-765.75%	45.64%	113.96%	9.90%	80.03%	201.96%	109.71%	159.97%	184.81%	-143.03%	-153.10%
Invested Capital Growth	38.74%	17.81%	-6.45%	27.42%	5.76%	-15.88%	-14.04%	-12.35%	-3.81%	8.48%	9.48%
Revenue Q/Q Growth	12.88%	-0.94%	-12.26%	7.27%	1.86%	-58.14%	158.89%	8.64%	5.29%	2.27%	-2.38%
EBITDA Q/Q Growth	131.81%	-29.17%	-71.86%	167.26%	28.38%	-287.95%	172.35%	28.62%	18.26%	-1.42%	-4.32%
EBIT Q/Q Growth	516.09%	-37.19%	-117.27%	475.31%	51.82%	-465.79%	144.91%	37.31%	20.12%	-0.89%	-4.84%
NOPAT Q/Q Growth	448.68%	-28.05%	-113.68%	605.12%	36.23%	-402.87%	147.51%	38.26%	20.83%	5.55%	-16.53%
Net Income Q/Q Growth	448.68%	-28.05%	-117.58%	493.07%	36.23%	-443.14%	141.94%	38.26%	20.83%	5.55%	-16.53%
EPS Q/Q Growth	350.00%	-33.33%	-116.67%	500.00%	50.00%	-433.33%	145.00%	33.33%	25.00%	0.00%	-13.33%
Operating Cash Flow Q/Q Growth	29.01%	-175.06%	143.53%	31.40%	-252.30%	202.16%	-105.47%	1,025.54%	111.42%	-21.24%	-87.12%
Free Cash Flow Firm Q/Q Growth	-0.58%	41.34%	146.14%	-430.98%	77.71%	399.58%	-5.11%	-5.35%	-68.48%	-252.00%	-17.09%
Invested Capital Q/Q Growth	10.29%	8.69%	-0.02%	6.31%	-8.45%	-13.55%	2.17%	8.40%	0.47%	-2.51%	3.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	30.37%	21.71%	6.96%	17.35%	21.87%	-98.19%	27.44%	32.49%	36.49%	35.18%	34.48%
EBIT Margin	20.72%	13.14%	-2.59%	9.05%	13.49%	-117.83%	20.44%	25.83%	29.48%	28.56%	27.85%
Profit (Net Income) Margin	15.98%	11.61%	-2.33%	8.52%	11.40%	-93.45%	15.14%	19.26%	22.11%	22.82%	19.51%
Tax Burden Percent	77.14%	88.36%	89.95%	94.21%	84.54%	79.31%	74.06%	74.57%	75.00%	79.88%	70.07%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.86%	11.64%	0.00%	5.79%	15.46%	0.00%	25.94%	25.43%	25.00%	20.12%	29.93%
Return on Invested Capital (ROIC)	1.99%	1.14%	-0.15%	0.76%	1.00%	-6.27%	1.20%	1.50%	1.92%	2.62%	2.25%
ROIC Less NNEP Spread (ROIC-NNEP)	1.99%	1.14%	-0.16%	0.76%	1.00%	-6.46%	1.20%	1.50%	1.92%	2.62%	2.25%
Return on Net Nonoperating Assets (RNNOA)	1.98%	1.45%	-0.25%	1.03%	1.33%	-7.95%	1.48%	2.05%	2.32%	2.65%	2.33%
Return on Equity (ROE)	3.96%	2.59%	-0.40%	1.78%	2.34%	-14.23%	2.68%	3.55%	4.23%	5.27%	4.58%
Cash Return on Invested Capital (CROIC)	-29.93%	-14.83%	7.27%	-23.33%	-4.93%	16.78%	15.02%	13.41%	4.49%	-5.84%	-6.63%
Operating Return on Assets (OROA)	0.51%	0.29%	-0.05%	0.19%	0.27%	-2.01%	0.36%	0.48%	0.58%	0.69%	0.69%
Return on Assets (ROA)	0.40%	0.26%	-0.05%	0.18%	0.23%	-1.59%	0.27%	0.36%	0.44%	0.55%	0.48%
Return on Common Equity (ROCE)	3.96%	2.58%	-0.40%	1.78%	2.34%	-14.20%	2.67%	3.55%	4.23%	5.26%	4.58%
Return on Equity Simple (ROE_SIMPLE)	5.10%	0.00%	1.56%	1.82%	1.50%	0.00%	-0.15%	0.55%	1.30%	0.00%	4.77%
Net Operating Profit after Tax (NOPAT)	9.13	6.57	-0.90	4.54	6.19	-19	8.90	12	15	16	13
NOPAT Margin	15.98%	11.61%	-1.81%	8.52%	11.40%	-82.48%	15.14%	19.26%	22.11%	22.82%	19.51%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.02%	0.00%	0.00%	0.19%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	68.10%	68.40%	76.69%	71.89%	70.45%	160.58%	66.94%	61.94%	59.88%	63.93%	64.34%
Operating Expenses to Revenue	75.12%	84.82%	91.96%	86.83%	78.95%	205.17%	74.57%	70.30%	67.04%	68.42%	70.73%
Earnings before Interest and Taxes (EBIT)	12	7.43	-1.28	4.82	7.32	-27	12	17	20	20	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	17	12	3.46	9.24	12	-22	16	21	25	24	23
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.64	1.95	1.74	1.50	1.66	1.54	1.43	1.36	1.38	1.40	1.56
Price to Tangible Book Value (P/TBV)	1.87	2.21	1.98	1.70	1.87	1.73	1.60	1.52	1.54	1.56	1.73
Price to Revenue (P/Rev)	6.55	8.67	8.44	7.24	8.36	9.20	8.31	7.63	7.41	6.27	6.83
Price to Earnings (P/E)	32.20	56.05	111.41	82.22	110.77	0.00	0.00	246.88	106.06	31.31	32.58
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.11%	1.78%	0.90%	1.22%	0.90%	0.00%	0.00%	0.41%	0.94%	3.19%	3.07%
Enterprise Value to Invested Capital (EV/IC)	1.19	1.05	1.01	0.90	1.17	1.00	1.10	1.06	1.08	0.91	1.04
Enterprise Value to Revenue (EV/Rev)	11.11	11.60	12.10	11.41	13.68	12.00	12.82	12.76	12.16	8.21	9.41
Enterprise Value to EBITDA (EV/EBITDA)	30.89	40.15	63.81	58.36	79.36	952.69	162.12	96.28	66.06	24.79	27.12
Enterprise Value to EBIT (EV/EBIT)	40.65	58.74	130.07	108.35	159.96	0.00	0.00	280.64	119.78	31.22	33.65
Enterprise Value to NOPAT (EV/NOPAT)	54.61	74.96	159.75	129.47	181.23	0.00	0.00	412.98	174.08	41.01	44.90
Enterprise Value to Operating Cash Flow (EV/OCF)	27.22	66.43	44.29	56.80	0.00	64.76	137.62	186.30	35.45	31.04	34.36
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	13.40	0.00	0.00	5.44	6.75	7.41	23.46	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.35	1.47	1.47	1.61	1.32	1.00	1.01	1.14	1.11	1.02	1.06
Long-Term Debt to Equity	1.35	1.47	1.47	1.61	1.32	1.00	1.01	1.14	1.11	1.02	1.06
Financial Leverage	1.00	1.27	1.56	1.36	1.33	1.23	1.23	1.36	1.21	1.01	1.03
Leverage Ratio	9.98	10.05	10.24	10.07	10.07	9.96	9.94	9.92	9.70	9.59	9.51
Compound Leverage Factor	9.98	10.05	10.24	10.07	10.07	9.96	9.94	9.92	9.70	9.59	9.51
Debt to Total Capital	57.38%	59.50%	59.59%	61.67%	56.83%	50.01%	50.16%	53.17%	52.55%	50.49%	51.44%
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%	0.00%
Long-Term Debt to Total Capital	57.38%	59.50%	59.59%	61.67%	56.83%	50.01%	50.16%	53.17%	52.55%	50.49%	51.44%
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%	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%	0.00%
Common Equity to Total Capital	42.62%	40.41%	40.33%	38.25%	43.17%	49.88%	49.84%	46.83%	47.45%	49.40%	48.45%
Debt to EBITDA	14.93	22.69	37.71	39.77	38.55	477.09	74.13	48.11	32.29	13.82	13.42
Net Debt to EBITDA	12.67	10.13	19.31	21.30	30.86	221.70	56.99	38.72	25.81	5.86	7.44
Long-Term Debt to EBITDA	14.93	22.69	37.71	39.77	38.55	477.09	74.13	48.11	32.29	13.82	13.42
Debt to NOPAT	26.38	42.36	94.42	88.24	88.03	-97.03	-606.70	206.35	85.08	22.86	22.22
Net Debt to NOPAT	22.40	18.90	48.34	47.25	70.46	-45.09	-466.42	166.10	68.02	9.69	12.32
Long-Term Debt to NOPAT	26.38	42.36	94.42	88.24	88.03	-97.03	-606.70	206.35	85.08	22.86	22.22
Noncontrolling Interest Sharing Ratio	0.00%	0.11%	0.10%	0.11%	0.00%	0.22%	0.10%	0.10%	0.00%	0.23%	0.12%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-651	-382	176	-583	-130	389	369	350	110	-168	-196
Operating Cash Flow to CapEx	1,731.91%	-1,397.89%	845.96%	1,348.87%	-1,018.69%	1,731.58%	-54.85%	851.28%	1,084.27%	1,025.70%	168.33%
Free Cash Flow to Firm to Interest Expense	-13.05	-6.14	2.65	-8.42	-1.84	5.79	5.97	5.57	1.75	-2.72	-3.35
Operating Cash Flow to Interest Expense	0.87	-0.52	0.21	0.27	-0.40	0.43	-0.03	0.23	0.49	0.40	0.05
Operating Cash Flow Less CapEx to Interest Expense	0.82	-0.56	0.19	0.25	-0.44	0.41	-0.07	0.21	0.45	0.36	0.02
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Fixed Asset Turnover	3.01	2.79	2.56	2.62	2.58	2.18	2.28	2.42	2.58	3.14	3.23
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,364	2,569	2,568	2,731	2,500	2,161	2,208	2,393	2,404	2,344	2,417
Invested Capital Turnover	0.12	0.10	0.08	0.09	0.09	0.08	0.08	0.08	0.09	0.11	0.12
Increase / (Decrease) in Invested Capital	660	388	-177	588	136	-408	-361	-337	-95	183	209
Enterprise Value (EV)	2,807	2,705	2,589	2,471	2,925	2,158	2,422	2,547	2,585	2,123	2,513
Market Capitalization	1,655	2,023	1,806	1,569	1,788	1,656	1,571	1,522	1,575	1,621	1,823
Book Value per Share	$9.56	$9.89	$9.87	$9.97	$10.30	$10.29	$10.51	$10.68	$10.87	$11.10	$11.25
Tangible Book Value per Share	$8.38	$8.72	$8.70	$8.80	$9.14	$9.14	$9.36	$9.54	$9.72	$9.95	$10.10
Total Capital	2,364	2,569	2,568	2,731	2,500	2,161	2,208	2,393	2,404	2,344	2,417
Total Debt	1,356	1,529	1,530	1,684	1,421	1,081	1,108	1,273	1,263	1,183	1,243
Total Long-Term Debt	1,356	1,529	1,530	1,684	1,421	1,081	1,108	1,273	1,263	1,183	1,243
Net Debt	1,152	682	783	902	1,137	502	851	1,024	1,010	502	690
Capital Expenditures (CapEx)	2.50	2.32	1.67	1.38	2.78	1.67	2.88	1.72	2.86	2.38	1.87
Net Nonoperating Expense (NNE)	0.00	0.00	0.26	0.00	0.00	2.49	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,356	1,529	1,530	1,684	1,421	1,081	1,108	1,273	1,263	1,183	1,243
Total Depreciation and Amortization (D&A)	5.51	4.85	4.74	4.42	4.55	4.46	4.12	4.25	4.72	4.55	4.45
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.09	$0.06	($0.01)	$0.04	$0.06	($0.20)	$0.09	$0.12	$0.15	$0.15	$0.13
Adjusted Weighted Average Basic Shares Outstanding	101.97M	102.66M	101.75M	101.65M	101.62M	101.68M	101.82M	101.99M	102.03M	101.81M	101.27M
Adjusted Diluted Earnings per Share	$0.09	$0.06	($0.01)	$0.04	$0.06	($0.20)	$0.09	$0.12	$0.15	$0.15	$0.13
Adjusted Weighted Average Diluted Shares Outstanding	102.10M	102.89M	101.99M	101.65M	101.83M	101.84M	101.82M	101.99M	102.03M	101.81M	101.45M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	104.91M	104.92M	104.81M	104.73M	104.72M	104.73M	104.93M	104.93M	104.31M	104.12M	104.05M
Normalized Net Operating Profit after Tax (NOPAT)	9.14	6.86	-0.88	5.19	6.20	-18	8.90	12	15	16	14
Normalized NOPAT Margin	16.00%	12.12%	-1.78%	9.75%	11.44%	-79.62%	15.14%	19.26%	22.11%	23.07%	21.41%
Pre Tax Income Margin	20.72%	13.14%	-2.59%	9.05%	13.49%	-117.83%	20.44%	25.83%	29.48%	28.56%	27.85%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.24	0.12	-0.02	0.07	0.10	-0.40	0.19	0.26	0.31	0.32	0.32
NOPAT to Interest Expense	0.18	0.11	-0.01	0.07	0.09	-0.28	0.14	0.20	0.24	0.25	0.22
EBIT Less CapEx to Interest Expense	0.19	0.08	-0.04	0.05	0.06	-0.42	0.15	0.24	0.27	0.28	0.29
NOPAT Less CapEx to Interest Expense	0.13	0.07	-0.04	0.05	0.05	-0.30	0.10	0.17	0.19	0.22	0.19
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%	0.00%
Augmented Payout Ratio	195.54%	223.07%	214.87%	89.45%	50.16%	-50.58%	-265.46%	0.00%	19.10%	25.79%	0.00%

Financials Breakdown Chart

Key Financial Trends

Columbia Financial’s latest quarter shows a company that is still profitable, but with a more mixed operating picture than a year ago. Q1 2026 net income came in at $13.1 million, up from $9.0 million in Q1 2025 and below the $15.7 million earned in Q4 2025. Earnings improved year over year, but the balance sheet and cash flow trends suggest the bank is still managing funding pressure and a large securities portfolio.

Revenue was supported by strong net interest income. In Q1 2026, net interest income was $60.4 million, up from $50.3 million in Q1 2025 and slightly above Q4 2025. Total interest income rose to $118.9 million, while total interest expense was $58.5 million. That said, the bank is still paying a lot to fund its balance sheet, with cash interest paid of $58.5 million in the quarter.

Non-interest income also improved modestly. Columbia Financial reported $6.7 million of non-interest income in Q1 2026 versus $8.6 million in Q4 2025 and $8.5 million in Q1 2025. The quarter included a negative mark of $1.1 million in realized/unrealized capital gains, which is a reminder that some fee and investment-related income can be volatile.

Expense control was reasonably stable. Total non-interest expense was $47.5 million, slightly above Q4 2025’s $47.1 million and higher than Q1 2025’s $43.8 million. Salaries and benefits remained the largest expense at $31.1 million. The quarter also included a $1.8 million restructuring charge, which is worth watching as it may reflect ongoing efforts to streamline the business.

Credit costs remained manageable, though still present. The provision for credit losses was $956,000, down from $2.1 million in Q4 2025 and below the $2.9 million in Q1 2025. That suggests credit quality is not deteriorating rapidly, at least in the near term.

Cash flow from operations was positive, but not especially strong after seasonal swings. Operating cash flow was $3.1 million in Q1 2026, down from $24.4 million in Q4 2025 and below the $14.6 million generated in Q2 2025. The company also recorded a net cash outflow of $63.9 million for the quarter, driven by heavy investing activity and deposit outflows.

The balance sheet remains large and liquid, but funding mix is important here. As of March 31, 2026, Columbia Financial had $11.0 billion in assets, $8.37 billion in non-interest-bearing deposits, and $1.24 billion in long-term debt. Non-interest-bearing deposits are a positive because they help keep funding costs lower, but total deposits declined in the quarter, which can pressure margins if it continues.

Equity improved slightly. Total common equity rose to $1.17 billion from $1.14 billion in Q3 2025, and retained earnings increased to $946.8 million from $918.0 million. However, accumulated other comprehensive income remained negative at $(77.9) million, reflecting continued pressure from unrealized losses or other market-driven adjustments.

Net income improved year over year, with Q1 2026 earnings of $13.1 million versus $9.0 million in Q1 2025.
Net interest income increased to $60.4 million, supporting overall profitability.
Credit costs were lower, with provision for credit losses down to $956,000 from $2.9 million in Q1 2025.
Common equity increased to $1.17 billion, giving the bank a solid capital base.
Non-interest income was mixed, helped by service charges and other income but hurt by investment losses.
Expenses were fairly stable, though still elevated relative to earlier periods.
A restructuring charge of $1.8 million suggests ongoing operational changes.
Operating cash flow fell sharply to $3.1 million from $24.4 million in Q4 2025.
Net cash declined by $63.9 million in the quarter, reflecting outflows from investing and financing activity.
Deposits fell $72.1 million, which could pressure funding costs if the trend continues.

Bottom line: Columbia Financial looks profitable and still well-capitalized, but it faces a tougher funding environment and uneven cash generation. Investors should watch deposit trends, operating cash flow, and whether expense growth and restructuring efforts start to show clearer benefits in coming quarters.

06/10/26 05:33 AM ETAI Generated. May Contain Errors.

Columbia Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Columbia Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Below is a breakdown of Columbia Financial's net income over the past 5 years:

2021: $92.05 million
2022: $86.17 million
2023: $36.09 million
2024: -$11.65 million
2025: $51.77 million

Check out Columbia Financial's forecast to explore projected trends and price targets.

Over the last 9 years, Columbia Financial's total revenue changed from $143.94 million in 2016 to $258.70 million in 2025, a change of 79.7%.

Columbia Financial's total liabilities were at $9.86 billion at the end of 2025, a 4.9% increase from 2024, and a 99.0% increase since 2017.

In the past 7 years, Columbia Financial's cash and equivalents has ranged from $70.70 million in 2021 to $846.39 million in 2023, and is currently $681.50 million as of their latest financial filing in 2025.

Over the last 9 years, Columbia Financial's book value per share changed from 0.00 in 2016 to 11.10 in 2025, a change of 1,110.2%.

Related Companies

Financial statements for NASDAQ:CLBK last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Columbia Financial (CLBK) Financials

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Columbia Financial (CLBK) Financials

Annual Income Statements for Columbia Financial

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Quarterly Metrics And Ratios for Columbia Financial

Financials Breakdown Chart

Key Financial Trends

Columbia Financial Financials - Frequently Asked Questions

When does Columbia Financial's financial year end?

How has Columbia Financial's net income changed over the last 9 years?

How has Columbia Financial's revenue changed over the last 9 years?

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