Columbia Financial, Inc. (CLBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CLBK SEC filings page.
Columbia Financial, Inc. (CLBK) reported $471.0M in revenue for fiscal year 2025, up 4.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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).
Columbia Financial’s earnings recovery came with stronger cash generation, while its liability-funded balance sheet remains central to how the business operates.
FY2025 net income recovered to$51.8M after a net loss of$11.7M in FY2024. Operating cash flow also rose to$68.4M from$33.3M , so the earnings recovery was accompanied by cash conversion rather than appearing only on the income statement.
With total assets of
ROA reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Columbia Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Columbia Financial, Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.1% the prior year. Earnings ranks banks on that return over three years, and Columbia Financial, Inc. scores 21/100 among other banks.
Columbia Financial, Inc. reported revenue of $471.0M in fiscal year 2025, against $451.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Columbia Financial, Inc. scores 56/100 among other banks.
Columbia Financial, Inc. funded 10.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.2B of equity against $11.0B of assets. Capital ranks banks on that cushion, and Columbia Financial, Inc. scores 36/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Columbia Financial, Inc. scores 95/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Columbia Financial, Inc. scores 71/100 on it among other banks.
Columbia Financial, Inc. reported net income of $51.8M in fiscal year 2025, against a loss of $11.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Columbia Financial, Inc. scores 18/100 among other banks.
Columbia Financial, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Columbia Financial, Inc. generates $1.32 in operating cash flow ($68.4M OCF vs $51.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Columbia Financial, Inc. generated $73.7M in revenue in Q2 2026. This represents an increase of 15.5% from the same quarter a year earlier. Against the prior quarter it is down 38.0%.
Columbia Financial, Inc. reported $14.5M in net income in Q2 2026. This represents an increase of 17.7% from the same quarter a year earlier. Against the prior quarter it is up 10.6%.
Columbia Financial, Inc. earned $0.14 per diluted share (EPS) in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier.
Not reported for Q2 2026.
Cash & Balance Sheet
Columbia Financial, Inc. held $1.1B in cash against $1.2B in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Columbia Financial, Inc.'s net profit margin was 19.6% in Q2 2026, showing the share of revenue converted to profit. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.6 percentage points.
Columbia Financial, Inc.'s ROE was 1.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
CLBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q/A | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q/A | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $73.7M+15.5% | $118.9M+6.0% | N/A | $120.4M+3.9% | $63.9M-43.6% | $112.2M | $113.6M | $115.9M |
| SG&A Expenses | $32.0M+10.5% | $31.1M+8.8% | N/A | $29.2M+5.4% | $28.9M+4.6% | $28.6M | $26.6M | $27.7M |
| Interest Expense | $59.3M-5.5% | $58.5M-5.4% | N/A | $63.0M-10.7% | $62.8M-9.3% | $61.8M | $67.2M | $70.6M |
| Income Tax | $5.5M+31.8% | $5.6M+79.5% | N/A | $5.0M+338.1% | $4.2M+1404.3% | $3.1M | -$5.5M | $1.1M |
| Net Income | $14.5M+17.7% | $13.1M+47.2% | N/A | $14.9M+140.4% | $12.3M+171.0% | $8.9M | -$21.2M | $6.2M |
| EPS (Basic) | $0.14+16.7% | $0.13+44.4% | N/A | $0.15+150.0% | $0.12+200.0% | $0.09 | N/A | $0.06 |
| EPS (Diluted) | $0.14+16.7% | $0.13+44.4% | N/A | $0.15+150.0% | $0.12+200.0% | $0.09 | N/A | $0.06 |
| Diluted Shares (Avg) | 102M0.0% | 101M-0.4% | N/A | 102M+0.2% | 102M+0.3% | 102M | N/A | 102M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CLBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q/A | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q/A | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $12.2B | $11.0B+3.8% | $11.0B+5.2% | $10.9B+1.6% | N/A | $10.6B | $10.5B | $10.7B |
| Cash & Equivalents | $1.1B+339.0% | $276.9M+8.1% | $340.8M+17.8% | $253.4M-10.6% | $248.2M-36.5% | $256.1M | $289.2M | $283.5M |
| Short-Term Investments | $0 | N/A | $0 | N/A | $0 | N/A | N/A | N/A |
| Long-Term Investments | $0 | N/A | $0 | N/A | $0 | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | $110.7M | N/A |
| Total Liabilities | $11.0B | $9.8B+3.5% | $9.9B+4.9% | $9.7B+1.1% | N/A | $9.5B | $9.4B | $9.6B |
| Long-Term Debt | $1.2B | $1.2B+12.3% | $1.2B+9.5% | $1.3B-11.1% | N/A | $1.1B | $1.1B | $1.4B |
| Total Equity | $1.2B+6.7% | $1.2B+6.7% | $1.2B+7.4% | $1.1B+5.7% | $1.1B+7.1% | $1.1B | $1.1B | $1.1B |
| Retained Earnings | $961.3M | $946.8M+6.3% | $933.7M+5.9% | $918.0M+1.6% | N/A | $890.9M | $882.0M | $903.2M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
CLBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q/A | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q/A | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | N/A | $3.1M+298.5% | N/A | $31.0M+209.4% | N/A | -$1.6M | $28.9M | -$28.3M |
| Stock-Based Compensation | N/A | $1.0M-8.5% | N/A | N/A | N/A | $1.1M | N/A | N/A |
| Capital Expenditures | N/A | $1.9M-35.7% | N/A | $2.8M+2.2% | N/A | $2.9M | $1.6M | $2.8M |
| Free Cash Flow | N/A | $1.3M+128.4% | N/A | $28.1M+190.5% | N/A | -$4.5M | $27.3M | -$31.1M |
| Investing Cash Flow | N/A | -$56.9M+64.2% | N/A | -$113.5M-974.4% | N/A | -$159.0M | $179.7M | $13.0M |
| Financing Cash Flow | N/A | -$10.1M-107.9% | N/A | $87.7M+195.0% | N/A | $127.5M | -$202.9M | -$92.3M |
| Share Buybacks | N/A | N/A | N/A | $2.8M | N/A | $0 | $0 | $0 |
Not reported in any period shown, so not listed: Depreciation & Amortization, Dividends Paid.
CLBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q/A | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q/A | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.6%+0.4pp | 11.0%+3.1pp | N/A | 12.3%+7.0pp | 19.3%+15.3pp | 7.9% | -18.7% | 5.3% |
| Return on Equity | 1.2%+0.1pp | 1.1%+0.3pp | N/A | 1.3%+0.7pp | 1.1%+0.7pp | 0.8% | -2.0% | 0.6% |
| Return on Assets | 0.1% | 0.1%0.0pp | N/A | 0.1%+0.1pp | N/A | 0.1% | -0.2% | 0.1% |
| Debt-to-Equity | 1.02 | 1.06+0.1x | 1.020.0x | 1.11-0.2x | N/A | 1.01 | 1.00 | 1.32 |
| Asset Turnover | 0.01 | 0.010.0x | N/A | 0.010.0x | N/A | 0.01 | 0.01 | 0.01 |
| FCF Margin | N/A | 1.1%+5.1pp | N/A | 23.4%+50.2pp | N/A | -4.0% | 24.0% | -26.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Columbia Financial, Inc. CLBK | FY2025 | $471.0M | $51.8M | 11.0% | $2.9B | 50/100 |
| First Commonwealth Financial Corporation FCF | FY2025 | $522.9M | $152.3M | 29.1% | $2.1B | 63/100 |
| Lakeland Financial Corp LKFN | FY2025 | $269.0M | $103.4M | 38.4% | $1.4B | 59/100 |
| 1st Source Corp SRCE | FY2025 | $433.8M | $158.3M | 36.5% | $2.1B | 74/100 |
| German American Bancorp, Inc. GABC | FY2025 | $487.4M | $112.6M | 23.1% | $1.9B | 68/100 |
| Coastal Financial Corporation CCB | FY2025 | $541.7M | $47.0M | 8.7% | $662.1M | 53/100 |
Where Columbia Financial, Inc. Ranks
Frequently Asked Questions
What is Columbia Financial, Inc.'s annual revenue?
Columbia Financial, Inc. (CLBK) reported $471.0M in total revenue for fiscal year 2025. This represents a 4.3% 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 Financial, Inc.'s revenue growing?
Columbia Financial, Inc. (CLBK) revenue grew by 4.3% year-over-year, from $451.4M to $471.0M in fiscal year 2025.
Is Columbia Financial, Inc. profitable?
Yes, Columbia Financial, Inc. (CLBK) reported a net income of $51.8M in fiscal year 2025, with a net profit margin of 11.0%.
How much debt does Columbia Financial, Inc. have?
As of fiscal year 2025, Columbia Financial, Inc. (CLBK) had $340.8M in cash and equivalents against $1.2B in long-term debt.
What is Columbia Financial, Inc.'s net profit margin?
Columbia Financial, Inc. (CLBK) had a net profit margin of 11.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Columbia Financial, Inc.'s return on equity (ROE)?
Columbia Financial, Inc. (CLBK) has a return on equity of 4.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Columbia Financial, Inc.'s free cash flow?
Columbia Financial, Inc. (CLBK) generated $58.6M in free cash flow during fiscal year 2025. This represents a 126.3% 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 Financial, Inc.'s operating cash flow?
Columbia Financial, Inc. (CLBK) generated $68.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Columbia Financial, Inc.'s total assets?
Columbia Financial, Inc. (CLBK) had $11.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Columbia Financial, Inc.'s capital expenditures?
Columbia Financial, Inc. (CLBK) invested $9.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Columbia Financial, Inc.'s debt-to-equity ratio?
Columbia Financial, Inc. (CLBK) had a debt-to-equity ratio of 1.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Columbia Financial, Inc.'s return on assets (ROA)?
Columbia Financial, Inc. (CLBK) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Columbia Financial, Inc.'s P/E ratio?
Columbia Financial, Inc. (CLBK) trades at 55.4x earnings, its market capitalization divided by net income of $51.8M net income, FY2025. The market capitalization is $2.9B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Columbia Financial, Inc.'s price-to-sales ratio?
Columbia Financial, Inc. (CLBK) trades at 6.1x sales, its market capitalization divided by revenue of $471.0M revenue, FY2025. The market capitalization is $2.9B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Columbia Financial, Inc.'s Piotroski F-Score?
Columbia Financial, Inc. (CLBK) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Columbia Financial, Inc.'s earnings high quality?
Columbia Financial, Inc. (CLBK) has an earnings quality ratio of 1.32x, considered cash-backed (high 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.
How financially healthy is Columbia Financial, Inc.?
Columbia Financial, Inc. (CLBK) scores 50 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.