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Columbia Financial (CLBK) Financials

Columbia Financial logo
$11.55 +0.09 (+0.79%)
Closing price 04:00 PM Eastern
Extended Trading
$11.44 -0.11 (-0.91%)
As of 04:33 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 Massive. Learn more.
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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 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

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 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

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 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

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 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

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 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

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 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

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 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%

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 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 recent results show a meaningful recovery in profitability from the weaker conditions seen during 2024 and early 2025. In the first quarter of 2026, net income increased to $13.1 million from $8.9 million in the first quarter of 2025, while diluted EPS rose to $0.13 from $0.09. However, earnings remained below the $15.7 million reported in the fourth quarter of 2025.

The bank’s core earnings trend has also improved. Net interest income reached $60.4 million in Q1 2026, up from $50.3 million a year earlier and $42.2 million in Q1 2024. Total revenue increased 14.2% year over year to $67.1 million. This improvement reflects stronger loan interest income, although total interest income declined modestly from the prior quarter as loan and securities yields softened.

  • Profitability improved materially: Q1 2026 net income rose 47% year over year to $13.1 million, and diluted EPS increased to $0.13 from $0.09.
  • Net interest income is recovering: NII increased to $60.4 million from $50.3 million in Q1 2025, continuing the recovery from the $42.2 million recorded in Q1 2024.
  • Loan growth remains steady: Net loans reached $8.19 billion at March 31, 2026, up from $7.97 billion a year earlier and $7.76 billion in Q1 2024.
  • Deposit funding expanded: Deposits increased to approximately $8.42 billion from $8.24 billion a year earlier, supporting the bank’s loan portfolio and overall asset growth.
  • Capital has strengthened: Total equity rose to $1.17 billion from $1.10 billion at the end of Q1 2025 and $1.04 billion in Q1 2024. The company also reduced its accumulated other comprehensive loss compared with prior periods.
  • Credit-loss provisioning eased: The provision for credit losses declined to $956,000 from $2.93 million in Q1 2025, providing a lift to pretax earnings.
  • Liquidity increased but cash deployment changed: Cash and due from banks rose to $553.8 million from $256.0 million a year earlier, while trading account securities declined to $1.20 billion from $1.49 billion. This may indicate a more liquid or repositioned balance sheet, but the longer-term earnings impact is uncertain.
  • Operating cash flow returned to positive territory: Q1 2026 operating cash flow was $3.1 million, compared with a $1.6 million outflow in Q1 2025. The improvement was modest and well below the $24.4 million generated in Q4 2025.
  • Funding costs remain elevated: Interest expense was $58.5 million in Q1 2026, consuming nearly half of interest income. Long-term debt stood at $1.24 billion, up from $1.11 billion a year earlier, which could pressure margins if borrowing costs remain high.
  • Expenses and credit reserves require monitoring: Non-interest expense increased to $47.5 million from $43.8 million a year earlier, including a $1.8 million restructuring charge. Meanwhile, the allowance for loan losses rose to $68.8 million from $62.0 million, suggesting management continues to build protection against potential credit deterioration.

Overall, CLBK’s statements point to improving earnings power, loan growth and capital generation. The main risks are the high cost of deposits and debt, rising credit-loss reserves, and uneven cash generation. Investors should watch whether net interest income continues to expand without a renewed increase in funding costs or loan-loss provisions.

09/17/26 03:37 PM 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 financial year ends in December. Their financial year 2025 ended on December 31, 2025.

The last 5 years of Columbia Financial's net income performance:
  • 2021: $92.05 million
  • 2022: $86.17 million
  • 2023: $36.09 million
  • 2024: -$11.65 million
  • 2025: $51.77 million
Find out what analysts predict for Columbia Financial in the coming months.

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%.


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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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