Columbia Financial director granted deferred stock units

Columbia Financial, Inc. director Daria Stacy-Walls reported a compensation-related acquisition of common stock equivalents through a stock-based deferral plan.

Rhea-AI Filing Summary

Columbia Financial, Inc. director Daria Stacy-Walls reported a compensation-related acquisition of common stock equivalents through a stock-based deferral plan. She received 249.1058 share units of common stock at $19.57 per share under the Columbia Bank Stock Based Deferral Plan, held indirectly via a rabbi trust as phantom stock to be settled in shares upon distribution.

After this grant, she indirectly holds 28,847.681 common stock units through the deferral plan, 2,952 shares as indirect stock awards that vest on March 12, 2027, and 11,255 shares directly. The filing reflects ongoing equity-based compensation rather than open-market buying or selling.

Insider Trade Summary

Grant/Award: 249.1058 shares

Grant/Award 3 txns

Insider Torres Daria Stacy-Walls

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	249.1058	$19.57	$5K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 28,847.681 shares (Indirect, By Stock-Based Deferral Plan); Common Stock — 11,255 shares (Direct); Common Stock — 2,952 shares (Indirect, Stock Award V)

Footnotes (2)

1. F1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.
2. F2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027.

Key Figures

Deferred stock units granted: 249.1058 shares Grant price per unit: $19.57 per share Indirect deferral-plan units after grant: 28,847.681 shares +3 more

6 metrics

Deferred stock units granted 249.1058 shares Grant under Columbia Bank Stock Based Deferral Plan at $19.57

Grant price per unit $19.57 per share Price for phantom stock units in May 2026 grant

Indirect deferral-plan units after grant 28,847.681 shares Common stock units held indirectly via stock-based deferral plan

Indirect stock awards holding 2,952 shares Stock awards that vest on March 12, 2027

Direct share holdings 11,255 shares Common stock held directly after the reported transactions

Acquisition transactions count 1 acquisition One compensation-related grant; no open-market buys or sells

Key Terms

phantom stock, rabbi trust, non-qualified stock-based deferral plan, Stock Awards, +1 more

5 terms

phantom stock financial

"Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust…"

A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.

rabbi trust financial

"…purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan…"

A rabbi trust is a special account a company sets up to hold promised future pay for executives, like bonus or retirement money, so those employees can see there are funds earmarked for them. It matters to investors because it signals the company’s commitment to keep key people, but the money is still part of the company’s assets and can be claimed by creditors if the company goes bankrupt—think of it as a labeled jar that isn’t completely off-limits.

non-qualified stock-based deferral plan financial

"…Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan."

Stock Awards financial

"Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year…"

2019 Equity Incentive Plan financial

"Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Columbia Financial (CLBK) director Daria Stacy-Walls report on this Form 4?

She reported receiving a stock-based compensation award linked to Columbia Financial common stock. The grant consists of 249.1058 share units at $19.57 per share under a deferral plan, increasing her indirect equity-linked holdings without any open-market purchase or sale.

How many Columbia Financial (CLBK) share units were granted in the deferral plan?

The filing shows a grant of 249.1058 common stock units at $19.57 per unit. These are phantom stock interests under the Columbia Bank Stock Based Deferral Plan and will be settled in actual shares when distributed to the reporting person in the future.

What are Daria Stacy-Walls’ total indirect holdings in Columbia Financial (CLBK) after the grant?

After the reported transactions, she indirectly holds 28,847.681 common stock units through the stock-based deferral plan and 2,952 additional shares as stock awards. These indirect positions complement her separate direct ownership of 11,255 Columbia Financial common shares reported in the same filing.

How many Columbia Financial (CLBK) shares does Daria Stacy-Walls own directly after this Form 4?

The Form 4 lists 11,255 common shares held directly after the transactions. This direct position is separate from her indirect holdings through the Columbia Bank Stock Based Deferral Plan and stock awards, which together represent additional equity-linked exposure to Columbia Financial stock.

What is the Columbia Bank Stock Based Deferral Plan mentioned for CLBK?

It is a non-qualified stock-based deferral plan where phantom stock is purchased on a non-discretionary basis by a rabbi trust. These stock unit interests track Columbia Financial common stock and will be settled in actual shares upon distribution to the reporting person, as described in the filing footnote.

When do the Columbia Financial (CLBK) stock awards referenced in the Form 4 vest?

The filing notes that certain stock awards were granted under the Columbia Financial, Inc. 2019 Equity Incentive Plan and vest in one year on March 12, 2027. These awards are part of the director’s equity-based compensation structure, separate from open-market transactions.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/19/2026 - 04:28 PM EDT Learn about SEC filing dates

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Torres Daria Stacy-Walls

(Last) (First) (Middle)

19-01 ROUTE 208 NORTH

(Street)

FAIR LAWN NEW JERSEY 07410

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

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

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

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

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	05/15/2026		A		249.1058(1)	A	$19.57	28,847.681	I	By Stock-Based Deferral Plan
Common Stock								11,255	D
Common Stock								2,952	I	Stock Award V(2)

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:

1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.

2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027.

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	05/19/2026
	** 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.
* Form 4: SEC 1474 (03-26)