Columbia Financial (CLBK) director granted stock award and holds options

Rhea-AI Filing Summary

Columbia Financial, Inc. director Michael Massood Jr. reported a compensation-related stock award of common stock, classified as an acquisition, that was granted under the company’s 2019 Equity Incentive Plan and is scheduled to vest in one year on March 12, 2027.

After this grant, he holds common stock indirectly through a stock award vehicle, as well as directly and through retirement accounts, including 43,006 shares held directly, 21,384 shares in an IRA, and 35,483 shares in a Roth IRA. He also holds fully vested stock options exercisable for 83,294 shares of common stock at an exercise price of $15.60 per share, expiring on July 23, 2029.

Insider Trade Summary 10b5-1

5 transactions reported

Mixed 5 txns

Insider Massood Michael Jr.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	0	$17.43	--
holding	Stock Options (right to buy)	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 2,952 shares (Indirect, By Stock Award V); Stock Options (right to buy) — 83,294 shares (Direct); Common Stock — 43,006 shares (Direct)

Footnotes (1)

1. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027. The number of shares held directly includes certain shares that were previously held by Stock Award and that have subsequently vested. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.

Form 4 Insider Transactions: What Each Field Means →

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).

X

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^*

Massood Michael Jr.

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
03/12/2026

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	03/12/2026		A		0	A	$17.43	2,952	I	By Stock Award V(1)
Common Stock								43,006(2)	D
Common Stock								21,384	I	By IRA
Common Stock								35,483	I	By Roth IRA

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
Stock Options (right to buy)	$15.6							07/23/2020(3)	07/23/2029	Common Stock	83,294		83,294	D

Explanation of Responses:

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

2. The number of shares held directly includes certain shares that were previously held by Stock Award and that have subsequently vested.

3. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	03/16/2026
	** 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.

FAQ

What insider transaction did Columbia Financial (CLBK) report for Michael Massood Jr.?

Columbia Financial director Michael Massood Jr. reported receiving a stock award of common stock as a compensation grant. The award was issued under the 2019 Equity Incentive Plan and is scheduled to vest after one year, on March 12, 2027, rather than being an open-market purchase.

Was the Columbia Financial (CLBK) Form 4 a stock purchase or a stock award?

The Form 4 shows a stock award, not an open-market stock purchase. The transaction is coded as a grant or other acquisition under the 2019 Equity Incentive Plan, with the awarded shares vesting on March 12, 2027, reflecting routine equity-based director compensation.

Does the Columbia Financial (CLBK) Form 4 show any insider stock sales?

The Form 4 does not show any insider stock sales by Michael Massood Jr. It records one acquisition via a stock award and lists existing holdings. The transaction summary indicates zero reported buy or sell transactions, highlighting this as a compensation-related equity grant rather than trading activity.

How many Columbia Financial (CLBK) shares does Michael Massood Jr. hold directly and in retirement accounts?

The filing shows 43,006 shares of Columbia Financial common stock held directly, 21,384 shares held indirectly through an IRA, and 35,483 shares held indirectly through a Roth IRA. These positions reflect long-term ownership across personal and retirement accounts alongside the newly reported stock award.

What stock options on Columbia Financial (CLBK) does Michael Massood Jr. currently hold?

Michael Massood Jr. holds fully vested stock options granted under the 2019 Equity Incentive Plan. These options are exercisable for 83,294 shares of Columbia Financial common stock at an exercise price of $15.60 per share and are scheduled to expire on July 23, 2029, if unexercised.

When will Michael Massood Jr.’s new Columbia Financial (CLBK) stock award vest?

The new stock award reported by Michael Massood Jr. is scheduled to vest in one year on March 12, 2027. Until vesting, the award remains subject to the plan’s terms, after which the shares become fully owned under the Columbia Financial 2019 Equity Incentive Plan.