STOCK TITAN

Columbia Financial (CLBK) updates Klimowich stock awards and options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Columbia Financial, Inc. executive John Klimowich, SEVP & Chief Risk Officer, reported a small stock-based award rather than any open-market trade. The trustee of the bank’s rabbi trust acquired 32.2174 phantom stock units at $21.25 under a stock-based deferral plan for his benefit, bringing that indirect position to 9,244.8041 stock units as of July 10, 2026. He also reports 63,662 common shares held directly and several outstanding stock option grants under the 2019 Equity Incentive Plan, including options on 188,235 shares at an exercise price of $15.60 expiring July 23, 2029.

Positive

  • None.

Negative

  • None.
Insider Klimowich John
Role SEVP & Chief Risk Officer
Type Security Shares Price Value
Grant/Award Common Stock 32.217 $21.25 $684.62
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 9,244.804 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 188,235 shares (Direct); Common Stock — 63,662 shares (Direct)
Footnotes (1)
  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. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on March 6, 2025; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 3, 2028. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 2, 2029. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.
Deferred stock units awarded 32.2174 shares Phantom stock units acquired at $21.25 under stock-based deferral plan on July 10, 2026
Deferred stock units balance 9,244.8041 shares Indirect holding via Columbia Bank Stock Based Deferral Plan as of July 10, 2026
Direct common shares 63,662 shares Common Stock held directly following transactions dated July 10, 2026
Largest option grant underlying shares 188,235 shares Stock Options (right to buy) at $15.60 exercise price expiring July 23, 2029
Option exercise price $18.2800 per share Stock options on 20,227 underlying shares expiring March 2, 2036
Award price per share $21.2500 per share Price used for 32.2174 phantom stock units under stock-based deferral plan
phantom stock financial
"Represents phantom stock purchased, on a non-discretionary basis, by the trustee"
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
"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"
performance-based vesting criteria financial
"which vest upon achievement of certain specified performance-based vesting criteria"
Stock Options (right to buy) financial
"security_title": "Stock Options (right to buy)""
Equity Incentive Plan financial
"Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.
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FAQ

What insider activity did Columbia Financial (CLBK) report for John Klimowich?

The disclosure shows John Klimowich received a small stock-based award of 32.2174 phantom stock units at $21.25 via a deferral plan. The update mainly records this grant and refreshed direct, indirect and option holdings, without any open-market purchases or sales.

How many deferred stock units in Columbia Financial (CLBK) does Klimowich now hold?

Following the latest award, Klimowich’s indirect position in the stock-based deferral plan totals 9,244.8041 phantom stock units. According to the plan terms, these stock unit interests will be settled in shares of Columbia Financial common stock upon distribution to him.

Did Klimowich buy or sell Columbia Financial (CLBK) shares in the open market?

No open-market purchases or sales are reported. The activity consists of an A-code grant of 32.2174 phantom stock units under a stock-based deferral plan plus updated holdings data, with no transactions coded as open-market buys (P) or sales (S).

What direct Columbia Financial (CLBK) shareholdings does Klimowich report?

Klimowich reports holding 63,662 shares of Columbia Financial common stock directly as of July 10, 2026. In addition to this direct ownership, he has multiple indirect holdings through stock awards, retirement and savings plans, and the stock-based deferral arrangement.

What stock options on Columbia Financial (CLBK) does Klimowich hold?

He lists several “Stock Options (right to buy)” grants on Columbia Financial common shares, including options on 188,235 underlying shares at $15.60 per share expiring July 23, 2029, alongside additional grants with exercise prices from about $15.94 to $18.28.

How do Columbia Financial’s 2019 Equity Incentive Plan awards vest for Klimowich?

Footnotes state that stock awards and options under the 2019 Equity Incentive Plan are either fully vested and exercisable or vest upon meeting performance-based vesting criteria, often in three approximately equal annual installments beginning between March 6, 2025 and March 2, 2027.

How are phantom stock units under Columbia Financial’s deferral plan settled for Klimowich?

The phantom stock units are held in a rabbi trust under a non-qualified stock-based deferral plan. According to the disclosure, these stock unit interests will be settled in shares of Columbia Financial stock when distributions are made to Klimowich.
SEC Form 4
FORM 4UNITED 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*
Klimowich John

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
SEVP & Chief Risk Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/10/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock07/10/2026A32.2174(1)A$21.259,244.8041IBy Stock-Based Deferral Plan
Common Stock63,662D
Common Stock17,130IBy 401(k)
Common Stock8,689IBy ESOP
Common Stock7,627IBy SERP
Common Stock4,214IBy SIM
Common Stock10,971IBy Stock Award III(2)
Common Stock11,723IBy Stock Award IV(3)
Common Stock11,906IBy Stock Award V(4)
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options (right to buy)$15.607/23/2020(5)07/23/2029Common Stock188,235188,235D
Stock Options (right to buy)$15.9405/01/2024(5)05/01/2033Common Stock12,03012,030D
Stock Options (right to buy)$16.4903/06/2025(6)03/06/2034Common Stock8,8508,850D
Stock Options (right to buy)$16.2303/03/2026(7)03/03/2035Common Stock20,31020,310D
Stock Options (right to buy)$18.2803/02/2027(8)03/02/2036Common Stock20,22720,227D
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, 25% of which vest in three approximately equal annual installments commencing on March 6, 2025; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.
3. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 3, 2028.
4. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 2, 2029.
5. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
6. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.
7. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.
8. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.
Remarks:
/s/ Thomas F. Splaine, Jr., Power of Attorney07/14/2026
** Signature of Reporting PersonDate
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)