CLBK
Columbia Financial, Inc.
Price Chart
Latest Quote
$10.85
-0.04 (-0.37%)
Current Price
| Previous Close | $10.89 |
| Open | $10.89 |
| Day High | $10.98 |
| Day Low | $10.80 |
| Volume | 1,853,033 |
Stock Information
| Quarterly Dividend / Yield | $0.20 / 1.84% |
| Shares Outstanding | 269.55M |
| Quarterly Dividend Yield | 1.84% |
| Quarterly Dividend | $0.20 |
| Total Debt | $1.25B |
| Cash Equivalents | $1.10B |
| Revenue | $267.23M |
| Net Income | $58.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $2.92B |
| P/E Ratio | 18.71 |
| EPS (TTM) | $0.58 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.07B |
| Sales | $267.23M |
| Income | $58.15M |
| Book/sh | $5.22 |
| Cash/sh | $4.09 |
| Employees | 749 |
Financial Ratios
| EPS Growth TTM | 17.70% |
Returns & Margins
| ROA | 0.51% |
| ROE | 5.02% |
| Operating Margin | 32.64% |
| Profit Margin | 21.76% |
Ownership
| Insider Ownership | 29.40% |
| Institutional Ownership | 8.20% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 14.09 |
| P/S | 10.94 |
| P/B | 2.08 |
Analyst Data
| Recommendation | none |
| Target Price | $14.17 |
Technical Indicators
| SMA20 | $nan |
| SMA50 | $nan |
| SMA200 | $nan |
| RSI | 53.85 |
| ATR | nan |
| Shares Float | 261.78M |
| Short Float | 11.47% |
| Short Ratio | 4.78 |
| Volatility | 0.26 |
| Rel Volume | 0.59 |
Performance History
| Week | nan% |
| Month | nan% |
| Quarter | nan% |
| 6 Months | nan% |
| YTD | nan% |
| Year | nan% |
| 3 Years | nan% |
| 5 Years | nan% |
| 10 Years | nan% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $nan | 1,853,033 |
| 2026-10-26 | $10.89 | 2,720,300 |
| 2026-10-23 | $10.85 | 2,145,500 |
| 2026-10-22 | $10.86 | 2,675,100 |
| 2026-10-21 | $10.63 | 3,634,900 |
| 2026-10-20 | $10.65 | 2,434,400 |
| 2026-10-19 | $10.57 | 2,521,400 |
| 2026-10-16 | $10.67 | 3,550,400 |
| 2026-10-15 | $10.82 | 2,929,900 |
| 2026-10-14 | $10.84 | 4,518,200 |
| 2026-10-13 | $10.87 | 2,242,700 |
| 2026-10-12 | $10.86 | 2,647,300 |
| 2026-10-09 | $10.80 | 2,766,000 |
| 2026-10-08 | $11.01 | 3,441,100 |
| 2026-10-07 | $10.80 | 4,240,600 |
| 2026-10-06 | $11.13 | 3,506,600 |
| 2026-10-05 | $11.33 | 2,523,600 |
| 2026-10-02 | $11.41 | 3,969,900 |
| 2026-10-01 | $11.16 | 4,794,700 |
| 2026-09-30 | $11.06 | 4,013,200 |
| 2026-09-29 | $10.88 | 4,652,800 |
| 2026-09-28 | $10.90 | 2,979,500 |
About Columbia Financial, Inc.
Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit. It also provides commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit; and securities activities. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $258,703,000 | $179,876,000 | $233,255,000 | $297,177,000 |
| Operating Revenue | $258,703,000 | $179,876,000 | $233,255,000 | $297,177,000 |
| Expenses | ||||
| Interest Expense | $249,317,000 | $273,444,000 | $189,102,000 | $42,893,000 |
| Selling And Marketing Expense | $2,416,000 | $2,510,000 | $2,805,000 | $2,865,000 |
| General And Administrative Expense | $125,952,000 | $117,070,000 | $129,485,000 | $119,517,000 |
| Professional Expense And Contract Services Expense | $10,755,000 | $14,164,000 | $9,824,000 | $8,158,000 |
| Other Non Interest Expense | $17,080,000 | $18,997,000 | $16,470,000 | $18,877,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Net Interest Income | $216,285,000 | $170,380,000 | $200,684,000 | $265,055,000 |
| Interest Income | $465,602,000 | $443,824,000 | $389,786,000 | $307,948,000 |
| Normalized Income | $51,714,986 | $-7,908,805 | $36,795,950 | $88,244,821 |
| Net Income From Continuing And Discontinued Operation | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Net Income Common Stockholders | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Net Income | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Net Income Including Noncontrolling Interests | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Net Income Continuous Operations | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Pretax Income | $67,989,000 | $-15,910,000 | $46,051,000 | $116,876,000 |
| Special Income Charges | $-214,000 | $-5,112,000 | $-906,000 | $-2,810,000 |
| Per Share | ||||
| Diluted EPS | $0.51 | $-0.11 | $0.35 | $0.81 |
| Basic EPS | $0.51 | $-0.11 | $0.35 | $0.82 |
| Other | ||||
| Tax Effect Of Unusual Items | $15,986 | $-1,367,805 | $-196,050 | $-738,179 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $67,000 | $-5,112,000 | $-906,000 | $-2,810,000 |
| Total Unusual Items Excluding Goodwill | $67,000 | $-5,112,000 | $-906,000 | $-2,810,000 |
| Reconciled Depreciation | $15,032,000 | $14,557,000 | $14,272,000 | $13,351,000 |
| Diluted Average Shares | $101,810,752 | $101,839,507 | $102,894,969 | $106,193,161 |
| Basic Average Shares | $101,810,752 | $101,676,758 | $102,656,388 | $105,580,823 |
| Diluted NI Availto Com Stockholders | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Tax Provision | $16,223,000 | $-4,257,000 | $9,965,000 | $30,703,000 |
| Restructuring And Mergern Acquisition | $214,000 | $1,665,000 | $606,000 | $2,810,000 |
| Gain On Sale Of Security | $1,163,000 | $-33,257,000 | $-10,152,000 | $-191,000 |
| Selling General And Administration | $128,368,000 | $119,580,000 | $132,290,000 | $122,382,000 |
| Insurance And Claims | $6,800,000 | $7,581,000 | $8,639,000 | $2,591,000 |
| Salaries And Wages | $119,152,000 | $109,489,000 | $120,846,000 | $116,926,000 |
| Occupancy And Equipment | $24,475,000 | $23,482,000 | $22,927,000 | $22,589,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-10-27
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,040,426,000 | $959,368,000 | $916,985,000 | $928,453,000 |
| Total Assets | $11,018,793,000 | $10,475,493,000 | $10,645,568,000 | $10,408,169,000 |
| Goodwill And Other Intangible Assets | $120,302,000 | $121,008,000 | $123,350,000 | $125,142,000 |
| Other Intangible Assets | $9,587,000 | $10,293,000 | $12,635,000 | $14,427,000 |
| Receivables | $41,490,000 | $40,383,000 | $39,345,000 | $33,898,000 |
| Accounts Receivable | $41,490,000 | $40,383,000 | $39,345,000 | $33,898,000 |
| Cash And Cash Equivalents | $340,806,000 | $289,223,000 | $423,249,000 | $179,228,000 |
| Cash Equivalents | $111,000 | $110,000 | $109,000 | $131,000 |
| Cash Financial | $340,695,000 | $289,113,000 | $423,140,000 | $179,097,000 |
| Cash Cash Equivalents And Federal Funds Sold | $340,806,000 | $289,223,000 | $423,249,000 | $179,228,000 |
| Debt | ||||
| Net Debt | $842,666,000 | $791,377,000 | $1,105,446,000 | $947,819,000 |
| Total Debt | $1,183,472,000 | $1,080,600,000 | $1,528,695,000 | $1,127,047,000 |
| Long Term Debt And Capital Lease Obligation | $1,183,472,000 | $1,080,600,000 | $1,528,695,000 | $1,127,047,000 |
| Long Term Debt | $1,183,472,000 | $1,080,600,000 | $1,528,695,000 | $1,127,047,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $9,858,065,000 | $9,395,117,000 | $9,605,233,000 | $9,354,574,000 |
| Payables And Accrued Expenses | - | - | - | $180,908,000 |
| Equity | ||||
| Common Stock Equity | $1,160,728,000 | $1,080,376,000 | $1,040,335,000 | $1,053,595,000 |
| Total Equity Gross Minority Interest | $1,160,728,000 | $1,080,376,000 | $1,040,335,000 | $1,053,595,000 |
| Stockholders Equity | $1,160,728,000 | $1,080,376,000 | $1,040,335,000 | $1,053,595,000 |
| Other Equity Interest | $-28,781,000 | $-31,023,000 | $-33,168,000 | $-35,393,000 |
| Gains Losses Not Affecting Retained Earnings | $-75,972,000 | $-110,368,000 | $-158,735,000 | $-179,296,000 |
| Other Equity Adjustments | $-75,972,000 | $-110,368,000 | $-158,735,000 | $-179,296,000 |
| Retained Earnings | $933,717,000 | $881,951,000 | $893,604,000 | $857,518,000 |
| Other | ||||
| Treasury Shares Number | $27,639,379 | $26,655,406 | $26,236,363 | $21,930,197 |
| Ordinary Shares Number | $103,984,649 | $104,759,185 | $104,918,905 | $108,970,476 |
| Share Issued | $131,624,028 | $131,414,591 | $131,155,268 | $130,900,673 |
| Tangible Book Value | $1,040,426,000 | $959,368,000 | $916,985,000 | $928,453,000 |
| Invested Capital | $2,344,200,000 | $2,160,976,000 | $2,569,030,000 | $2,180,642,000 |
| Total Capitalization | $2,344,200,000 | $2,160,976,000 | $2,569,030,000 | $2,180,642,000 |
| Treasury Stock | $476,133,000 | $460,980,000 | $454,128,000 | $371,708,000 |
| Additional Paid In Capital | $806,581,000 | $799,482,000 | $791,450,000 | $781,165,000 |
| Capital Stock | $1,316,000 | $1,314,000 | $1,312,000 | $1,309,000 |
| Common Stock | $1,316,000 | $1,314,000 | $1,312,000 | $1,309,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $1,525,052,000 | $1,425,459,000 | $1,498,790,000 | $1,753,541,000 |
| Held To Maturity Securities | $381,358,000 | $392,840,000 | $401,154,000 | $421,523,000 |
| Available For Sale Securities | $342,462,000 | $6,673,000 | $4,079,000 | $3,384,000 |
| Goodwill | $110,715,000 | $110,715,000 | $110,715,000 | $110,715,000 |
| Net PPE | $82,985,000 | $81,772,000 | $83,577,000 | $83,877,000 |
| Accumulated Depreciation | $-86,259,000 | $-78,543,000 | $-76,507,000 | $-70,557,000 |
| Gross PPE | $169,244,000 | $160,315,000 | $160,084,000 | $154,434,000 |
| Leases | $30,284,000 | $28,258,000 | $26,021,000 | $23,555,000 |
| Machinery Furniture Equipment | $40,666,000 | $37,787,000 | $36,785,000 | $34,747,000 |
| Buildings And Improvements | $30,209,000 | $29,910,000 | $37,383,000 | $39,097,000 |
| Land And Improvements | $68,085,000 | $64,360,000 | $59,895,000 | $57,035,000 |
| Other Short Term Investments | $801,232,000 | $1,025,946,000 | $1,093,557,000 | $1,328,634,000 |
| Current Accrued Expenses | - | - | - | $180,908,000 |
Fetched: 2026-10-27
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $58,561,000 | $25,875,000 | $33,081,000 | $134,954,000 |
| Operating Activities | ||||
| Operating Cash Flow | $68,397,000 | $33,321,000 | $40,716,000 | $142,158,000 |
| Cash Flow From Continuing Operating Activities | $68,397,000 | $33,321,000 | $40,716,000 | $142,158,000 |
| Operating Gains Losses | $-1,068,000 | $38,204,000 | $10,101,000 | $-146,000 |
| Investing Activities | ||||
| Capital Expenditure | $-9,836,000 | $-7,446,000 | $-7,635,000 | $-7,204,000 |
| Investing Cash Flow | $-454,162,000 | $39,468,000 | $39,645,000 | $-614,725,000 |
| Cash Flow From Continuing Investing Activities | $-454,162,000 | $39,468,000 | $39,645,000 | $-614,725,000 |
| Net Other Investing Changes | $-2,602,000 | $20,640,000 | $-21,544,000 | $-33,036,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-13,792,000 | $-6,711,000 | $-81,120,000 | $-98,610,000 |
| Issuance Of Capital Stock | $0 | $0 | $10,000 | $0 |
| Financing Cash Flow | $437,348,000 | $-206,815,000 | $163,660,000 | $580,832,000 |
| Cash Flow From Continuing Financing Activities | $437,348,000 | $-206,815,000 | $163,660,000 | $580,832,000 |
| Net Other Financing Charges | $339,000 | $1,944,000 | $-1,951,000 | $7,648,000 |
| Net Common Stock Issuance | $-13,792,000 | $-6,711,000 | $-81,110,000 | $-98,610,000 |
| Common Stock Issuance | $0 | $0 | $10,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-104,418,000 | $-484,922,000 | $-41,600,000 | $-38,725,000 |
| Issuance Of Debt | $175,333,000 | $271,205,000 | $536,113,000 | $335,893,000 |
| Interest Paid Supplemental Data | $249,917,000 | $274,376,000 | $183,568,000 | $41,077,000 |
| Income Tax Paid Supplemental Data | $2,000 | $940,000 | $9,253,000 | $15,729,000 |
| End Cash Position | $340,806,000 | $289,223,000 | $423,249,000 | $179,228,000 |
| Beginning Cash Position | $289,223,000 | $423,249,000 | $179,228,000 | $70,963,000 |
| Changes In Cash | $51,583,000 | $-134,026,000 | $244,021,000 | $108,265,000 |
| Proceeds From Stock Option Exercised | $-1,000 | $-99,000 | $-24,000 | $-393,000 |
| Common Stock Payments | $-13,792,000 | $-6,711,000 | $-81,120,000 | $-98,610,000 |
| Net Issuance Payments Of Debt | $102,872,000 | $-451,542,000 | $401,348,000 | $743,976,000 |
| Net Short Term Debt Issuance | $31,957,000 | $-237,825,000 | $-93,165,000 | $446,808,000 |
| Net Long Term Debt Issuance | $70,915,000 | $-213,717,000 | $494,513,000 | $297,168,000 |
| Long Term Debt Payments | $-104,418,000 | $-484,922,000 | $-41,600,000 | $-38,725,000 |
| Long Term Debt Issuance | $175,333,000 | $271,205,000 | $536,113,000 | $335,893,000 |
| Net Investment Purchase And Sale | $-43,625,000 | $82,631,000 | $273,480,000 | $269,403,000 |
| Sale Of Investment | $261,882,000 | $528,876,000 | $398,098,000 | $439,882,000 |
| Purchase Of Investment | $-305,507,000 | $-446,245,000 | $-124,618,000 | $-170,479,000 |
| Net Business Purchase And Sale | $-1,400,000 | $0 | $0 | $140,769,000 |
| Purchase Of Business | $-1,400,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $-9,836,000 | $-6,228,000 | $-7,635,000 | $-5,432,000 |
| Sale Of PPE | $0 | $1,218,000 | $0 | $1,772,000 |
| Purchase Of PPE | $-9,836,000 | $-7,446,000 | $-7,635,000 | $-7,204,000 |
| Change In Working Capital | $-22,589,000 | $-20,902,000 | $-36,204,000 | $10,394,000 |
| Change In Other Current Assets | $-29,432,000 | $-12,440,000 | $-33,992,000 | $-9,884,000 |
| Change In Payables And Accrued Expense | $7,980,000 | $-7,298,000 | $3,282,000 | $24,998,000 |
| Change In Accrued Expense | $7,980,000 | $-7,298,000 | $3,282,000 | $24,998,000 |
| Change In Receivables | $-1,107,000 | $-1,038,000 | $-5,447,000 | $-4,689,000 |
| Changes In Account Receivables | $-1,107,000 | $-1,038,000 | $-5,447,000 | $-4,689,000 |
| Other Non Cash Items | $-8,596,000 | $-7,319,000 | $-10,126,000 | $-7,393,000 |
| Stock Based Compensation | $8,150,000 | $10,305,000 | $12,074,000 | $12,290,000 |
| Unrealized Gain Loss On Investment Securities | $-873,000 | $-2,594,000 | $-695,000 | $401,000 |
| Asset Impairment Charge | $0 | $640,000 | $0 | $0 |
| Deferred Tax | $14,151,000 | $-5,986,000 | $3,375,000 | $12,769,000 |
| Deferred Income Tax | $14,151,000 | $-5,986,000 | $3,375,000 | $12,769,000 |
| Depreciation Amortization Depletion | $15,032,000 | $14,557,000 | $14,272,000 | $13,351,000 |
| Depreciation And Amortization | $15,032,000 | $14,557,000 | $14,272,000 | $13,351,000 |
| Amortization Cash Flow | $2,385,000 | $2,432,000 | $2,589,000 | $2,213,000 |
| Amortization Of Intangibles | $2,385,000 | $2,432,000 | $2,589,000 | $2,213,000 |
| Depreciation | $12,647,000 | $12,125,000 | $11,683,000 | $11,138,000 |
| Gain Loss On Investment Securities | $-290,000 | $35,851,000 | $10,847,000 | $-210,000 |
| Gain Loss On Sale Of PPE | $21,000 | $-188,000 | $168,000 | $242,000 |
| Net Income From Continuing Operations | $51,766,000 | $-11,653,000 | $36,086,000 | $86,173,000 |
| Sale Of Business | - | $0 | $0 | $140,769,000 |
Fetched: 2026-10-27