Columbia Financ Financials

CLBK

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Columbia Financ (CLBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

5/9

Columbia Financ passes 5 of 9 financial strength tests. 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

-2.86x

For every $1 of reported earnings, Columbia Financ generates $-2.86 in operating cash flow ($33.3M OCF vs -$11.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$451.4M

YoY+14.3%

5Y CAGR+11.6%

Columbia Financ generated $451.4M in revenue in fiscal year 2024. This represents an increase of 14.3% from the prior year.

EBITDA

N/A

Free Cash Flow

$25.9M

YoY-21.8%

5Y CAGR+59.8%

Columbia Financ generated $25.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 21.8% from the prior year.

Net Income

-$11.7M

YoY-132.3%

Columbia Financ reported -$11.7M in net income in fiscal year 2024. This represents a decrease of 132.3% from the prior year.

EPS (Diluted)

$-0.11

YoY-131.4%

Columbia Financ earned $-0.11 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 131.4% from the prior year.

Cash & Debt

$289.2M

YoY-31.7%

5Y CAGR+30.8%

Columbia Financ held $289.2M in cash against $1.1B in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

105M

YoY-0.2%

5Y CAGR-1.6%

Columbia Financ had 105M shares outstanding in fiscal year 2024. This represents a decrease of 0.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-2.6%

YoY-11.7pp

5Y CAGR-23.5pp

Columbia Financ's net profit margin was -2.6% in fiscal year 2024, showing the share of revenue converted to profit. This is down 11.7 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

$5.9M

YoY-92.7%

5Y CAGR-36.1%

Columbia Financ spent $5.9M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 92.7% from the prior year.

Capital Expenditures

$7.4M

YoY-2.5%

5Y CAGR-17.4%

Columbia Financ invested $7.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 2.5% from the prior year.

CLBK Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$451.4M+14.3%	$395.0M+27.5%	$309.7M+14.6%	$270.1M-8.6%	$295.7M+13.3%	$261.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$273.4M+44.6%	$189.1M+340.9%	$42.9M+15.9%	$37.0M-50.1%	$74.1M-16.4%	$88.7M
Income Tax	-$4.3M-142.7%	$10.0M-67.5%	$30.7M-10.0%	$34.1M+83.0%	$18.7M+14.0%	$16.4M
Net Income	-$11.7M-132.3%	$36.1M-58.1%	$86.2M-6.4%	$92.0M+59.8%	$57.6M+5.3%	$54.7M
EPS (Diluted)	$-0.11-131.4%	$0.35-56.8%	$0.81-8.0%	$0.88+69.2%	$0.52+6.1%	$0.49

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Revenue	$120.4M+3.4%	$116.5M+3.9%	$112.2M+4.3%	$107.5M+9.3%	$98.4M+2.4%	$96.1M+3.5%	$92.9M+5.6%	$87.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$63.0M+0.4%	$62.8M+1.5%	$61.8M-0.6%	$62.2M+24.7%	$49.9M+10.9%	$45.0M+40.5%	$32.0M+63.9%	$19.5M
Income Tax	$5.0M+18.1%	$4.2M+34.6%	$3.1M+260.5%	$865K-68.0%	$2.7M+952.5%	$257K-95.8%	$6.1M-28.2%	$8.5M
Net Income	$14.9M+20.8%	$12.3M+38.3%	$8.9M+35.5%	$6.6M-28.1%	$9.1M+448.7%	$1.7M-91.1%	$18.7M-14.5%	$21.9M
EPS (Diluted)	$0.15+25.0%	$0.12+33.3%	$0.09+50.0%	$0.06-33.3%	$0.09+350.0%	$0.02-88.9%	$0.18-10.0%	$0.20

CLBK Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$10.5B-1.6%	$10.6B+2.3%	$10.4B+12.8%	$9.2B+4.8%	$8.8B+7.4%	$8.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$289.2M-31.7%	$423.2M+136.2%	$179.2M+152.6%	$71.0M-83.2%	$423.0M+459.9%	$75.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$110.7M0.0%	$110.7M0.0%	$110.7M+29.8%	$85.3M+6.3%	$80.3M+32.1%	$60.8M
Total Liabilities	$9.4B-2.2%	$9.6B+2.7%	$9.4B+14.9%	$8.1B+4.6%	$7.8B+8.1%	$7.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.1B-29.3%	$1.5B+35.6%	$1.1B+198.7%	$377.3M-52.8%	$799.4M-43.2%	$1.4B
Total Equity	$1.1B+3.8%	$1.0B-1.3%	$1.1B-2.4%	$1.1B+6.7%	$1.0B+2.9%	$982.5M
Retained Earnings	$882.0M-1.3%	$893.6M+4.2%	$857.5M+12.1%	$765.1M+13.7%	$673.1M+9.4%	$615.5M

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Total Assets	$10.9B+1.1%	$10.7B+1.2%	$10.6B-0.4%	$10.6B+3.1%	$10.3B+2.4%	$10.1B-5.2%	$10.6B+2.2%	$10.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$253.4M+2.1%	$248.2M-3.1%	$256.1M-39.5%	$423.2M+107.0%	$204.5M+118.8%	$93.5M-70.7%	$319.4M+78.2%	$179.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$110.7M	N/A	N/A	$110.7M	N/A	N/A	N/A	$110.7M
Total Liabilities	$9.7B+1.0%	$9.6B+1.2%	$9.5B-1.0%	$9.6B+3.1%	$9.3B+2.8%	$9.1B-5.6%	$9.6B+2.6%	$9.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.3B-0.7%	$1.3B+14.9%	$1.1B-27.5%	$1.5B+12.7%	$1.4B+21.1%	$1.1B-34.4%	$1.7B+51.4%	$1.1B
Total Equity	$1.1B+1.8%	$1.1B+1.9%	$1.1B+5.8%	$1.0B+3.3%	$1.0B-1.5%	$1.0B-1.5%	$1.0B-1.4%	$1.1B
Retained Earnings	$918.0M+1.6%	$903.2M+1.4%	$890.9M-0.3%	$893.6M+0.7%	$887.0M+1.0%	$877.9M+0.2%	$876.2M+2.2%	$857.5M

CLBK Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$33.3M-18.2%	$40.7M-71.4%	$142.2M+44.0%	$98.7M+101.3%	$49.0M+124.7%	$21.8M
Capital Expenditures	$7.4M-2.5%	$7.6M+6.0%	$7.2M+31.2%	$5.5M+18.8%	$4.6M-76.1%	$19.3M
Free Cash Flow	$25.9M-21.8%	$33.1M-75.5%	$135.0M+44.8%	$93.2M+109.8%	$44.4M+1691.1%	$2.5M
Investing Cash Flow	$39.5M-0.4%	$39.6M+106.4%	-$614.7M-38.6%	-$443.6M-272.2%	$257.6M+149.5%	-$521.0M
Financing Cash Flow	-$206.8M-226.4%	$163.7M-71.8%	$580.8M+8288.8%	-$7.1M-117.4%	$40.7M-92.4%	$532.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$5.9M-92.7%	$80.5M-14.4%	$94.0M-12.8%	$107.8M-0.4%	$108.2M+95.6%	$55.3M

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Operating Cash Flow	$31.0M+111.4%	$14.6M+1025.5%	-$1.6M+95.1%	-$32.5M-175.1%	$43.3M+29.0%	$33.5M+1029.4%	-$3.6M-112.0%	$29.9M
Capital Expenditures	$2.8M+64.9%	$1.7M-40.7%	$2.9M+24.9%	$2.3M-7.0%	$2.5M+129.4%	$1.1M-36.9%	$1.7M-26.3%	$2.3M
Free Cash Flow	$28.1M+117.6%	$12.9M+388.2%	-$4.5M+87.1%	-$34.8M-185.4%	$40.8M+25.6%	$32.4M+708.4%	-$5.3M-119.3%	$27.6M
Investing Cash Flow	-$113.5M+12.9%	-$130.2M+18.1%	-$159.0M-152.1%	-$63.1M+55.6%	-$142.1M-146.1%	$308.4M+585.2%	-$63.6M+80.2%	-$320.8M
Financing Cash Flow	$87.7M-18.6%	$107.7M-15.5%	$127.5M-59.4%	$314.3M+49.8%	$209.9M+137.0%	-$567.9M-373.8%	$207.4M-43.6%	$368.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$2.8M	$0	$0-100.0%	$2.2M-75.5%	$9.0M-59.2%	$22.0M-53.5%	$47.3M+112.9%	$22.2M

CLBK Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-2.6%-11.7pp	9.1%-18.7pp	27.8%-6.2pp	34.1%+14.6pp	19.5%-1.5pp	21.0%
Return on Equity	N/A	3.5%-4.7pp	8.2%-0.4pp	8.5%+2.8pp	5.7%+0.1pp	5.6%
Return on Assets	-0.1%-0.4pp	0.3%-0.5pp	0.8%-0.2pp	1.0%+0.4pp	0.7%-0.0pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.00-0.5	1.47+0.4	1.07+0.7	0.35-0.4	0.79-0.6	1.43
FCF Margin	5.7%-2.7pp	8.4%-35.2pp	43.6%+9.1pp	34.5%+19.5pp	15.0%+14.1pp	0.9%

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.3%+1.8pp	10.6%+2.6pp	7.9%+1.8pp	6.1%-3.2pp	9.3%+7.5pp	1.7%-18.4pp	20.2%-4.7pp	24.9%
Return on Equity	1.3%+0.2pp	1.1%+0.3pp	0.8%+0.2pp	0.6%-0.3pp	0.9%+0.8pp	0.2%-1.6pp	1.8%-0.3pp	2.1%
Return on Assets	0.1%+0.0pp	0.1%+0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%+0.1pp	0.0%-0.2pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.11-0.0	1.14+0.1	1.01-0.5	1.47+0.1	1.35+0.3	1.10-0.5	1.64+0.6	1.07
FCF Margin	23.4%+12.3pp	11.1%+15.1pp	-4.0%+28.4pp	-32.4%-73.8pp	41.4%+7.7pp	33.8%+39.5pp	-5.7%-37.1pp	31.4%

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Frequently Asked Questions

What is Columbia Financ's annual revenue?

Columbia Financ (CLBK) reported $451.4M in total revenue for fiscal year 2024. This represents a 14.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Columbia Financ's revenue growing?

Columbia Financ (CLBK) revenue grew by 14.3% year-over-year, from $395.0M to $451.4M in fiscal year 2024.

Is Columbia Financ profitable?

No, Columbia Financ (CLBK) reported a net income of -$11.7M in fiscal year 2024, with a net profit margin of -2.6%.

What is Columbia Financ's earnings per share (EPS)?

Columbia Financ (CLBK) reported diluted earnings per share of $-0.11 for fiscal year 2024. This represents a -131.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Columbia Financ have?

As of fiscal year 2024, Columbia Financ (CLBK) had $289.2M in cash and equivalents against $1.1B in long-term debt.

What is Columbia Financ's net profit margin?

Columbia Financ (CLBK) had a net profit margin of -2.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Columbia Financ's free cash flow?

Columbia Financ (CLBK) generated $25.9M in free cash flow during fiscal year 2024. This represents a -21.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Columbia Financ's operating cash flow?

Columbia Financ (CLBK) generated $33.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Columbia Financ's total assets?

Columbia Financ (CLBK) had $10.5B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Columbia Financ's capital expenditures?

Columbia Financ (CLBK) invested $7.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Columbia Financ buy back shares?

Yes, Columbia Financ (CLBK) spent $5.9M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Columbia Financ have outstanding?

Columbia Financ (CLBK) had 105M shares outstanding as of fiscal year 2024.

What is Columbia Financ's debt-to-equity ratio?

Columbia Financ (CLBK) had a debt-to-equity ratio of 1.00 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Columbia Financ's return on assets (ROA)?

Columbia Financ (CLBK) had a return on assets of -0.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Columbia Financ's Piotroski F-Score?

Columbia Financ (CLBK) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Columbia Financ's earnings high quality?

Columbia Financ (CLBK) has an earnings quality ratio of -2.86x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.