[Form 4] Columbia Financial, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Matthew James Smith, SEVP & COO of Columbia Financial, Inc. (CLBK), reported a disposal of 15,443 common shares on 10/05/2025 via a Form 4 filing. The transaction is recorded as a disposition at a price of $0, and the filing shows 0 shares beneficially owned following the transaction on an indirect basis. The Form 4 was signed by a power of attorney on 10/07/2025.

Positive

• Timely disclosure of insider transaction via Form 4
• Complete reporting showing post-transaction beneficial ownership as 0 shares

Negative

• None.

Insights

Corporate Governance Analyst

Officer reports a non‑cash disposition of 15,443 CLBK shares, leaving zero indirect holdings.

The filing shows an officer-level disposal of 15,443 common shares on 10/05/2025, recorded at a price of $0. A price of $0 commonly indicates a transfer such as a stock award cancellation, gift, or similar non‑cash internal adjustment rather than a market sale; the form does not state the reason.

Key dependencies and near-term items to watch include any additional Section 16 filings that explain the $0 valuation and whether other insiders report related transfers. Expect clarifying filings or notes if the transfer is part of a compensation adjustment or estate/gift planning within days to weeks.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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X

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Smith Matthew James

(Last) (First) (Middle)

19-01 ROUTE 208 NORTH

(Street)

FAIR LAWN NJ 07410

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc. [ CLBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SEVP & COO

3. Date of Earliest Transaction (Month/Day/Year)
10/05/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/05/2025		D		15,443	D	$0	0	I	By Stock Award

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	10/07/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the CLBK Form 4 filed by Matthew James Smith report?

It reported a disposal of 15,443 common shares on 10/05/2025, recorded at a price of $0, with 0 shares beneficially owned after the transaction.

What is the reporting person’s role at Columbia Financial (CLBK)?

The reporting person is listed as SEVP & COO and an officer of Columbia Financial, Inc.

Does the Form 4 explain why the price is $0?

No. The filing shows $0 but provides no explanatory remarks; the reason (gift, award cancellation, transfer, etc.) is not stated.

When was the Form 4 signed and filed?

The signature by power of attorney is dated 10/07/2025 and the transaction date is 10/05/2025.

Did the reporting person retain any indirect or direct ownership after the transaction?

The report shows 0 shares beneficially owned following the reported transaction.