STOCK TITAN

Columbia Financial (CLBK) SEVP adds stock deferral units, updates 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 an acquisition of 34.0099 shares of Common Stock at $20.13 per share through a stock-based deferral plan. Following this grant, his indirect holdings in that plan total 9,146.6935 common stock unit interests.

The filing also lists additional indirect Common Stock holdings through various stock award, SERP, SIM, ESOP, and 401(k) arrangements, and 63,662 Common Stock shares held directly. Klimowich continues to hold multiple stock option awards on Common Stock with exercise prices between $15.60 and $18.28, expiring between 2029 and 2036.

Positive

  • None.

Negative

  • None.
Insider Klimowich John
Role SEVP & Chief Risk Officer
Type Security Shares Price Value
Grant/Award Common Stock 34.01 $20.13 $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 — 9,146.694 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 188,235 shares (Direct, null); Common Stock — 63,662 shares (Direct, null)
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.
Stock award grant 34.0099 shares at $20.13 Common Stock acquired via stock-based deferral plan
Deferral plan units after grant 9,146.6935 units Common Stock unit interests under stock-based deferral plan
Direct Common Stock holdings 63,662 shares Common Stock held directly after reported transactions
Largest option position 188,235 shares at $15.60 Stock options on Common Stock, expiration 2029-07-23
Option position 12,030 shares at $15.94 Stock options on Common Stock, expiration 2033-05-01
Option position 8,850 shares at $16.49 Stock options on Common Stock, expiration 2034-03-06
Option position 20,310 shares at $16.23 Stock options on Common Stock, expiration 2035-03-03
Option position 20,227 shares at $18.28 Stock options on Common Stock, expiration 2036-03-02
phantom stock financial
"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 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 Options (right to buy financial
"Stock Options (right to buy) granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
2019 Equity Incentive Plan financial
"Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
performance-based vesting criteria financial
"which vest upon achievement of certain specified performance-based vesting criteria"
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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)
05/29/2026
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 Stock05/29/2026A34.0099(1)A$20.139,146.6935IBy 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/ Dennis E. Gibney, Power of Attorney06/02/2026
** 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)

FAQ

What did Columbia Financial (CLBK) executive John Klimowich report in this Form 4?

John Klimowich reported an acquisition of 34.0099 shares of Columbia Financial Common Stock at $20.13 per share through a stock-based deferral plan. The filing primarily updates his indirect and direct equity and option holdings, rather than showing any open-market buying or selling activity.

How many Columbia Financial (CLBK) deferral plan units does John Klimowich hold after the transaction?

After the reported acquisition, John Klimowich holds 9,146.6935 Common Stock unit interests under a stock-based deferral plan. These interests relate to phantom stock purchased by a trustee in a rabbi trust, which will be settled in actual shares of stock upon distribution to him.

Does this Columbia Financial (CLBK) Form 4 show any open-market stock purchases or sales?

The Form 4 does not show any open-market purchases or sales of Columbia Financial shares. It records a grant-type acquisition coded as a stock award and multiple entries labeled as holdings, which update indirect and direct positions, including options, rather than discretionary market trades.

What stock options on Columbia Financial (CLBK) does John Klimowich report holding?

Klimowich reports several stock option awards on Columbia Financial Common Stock, including 188,235 underlying shares at an exercise price of $15.60 expiring in 2029, plus additional options at $15.94, $16.49, $16.23, and $18.28 per share with expirations through 2036.

How many Columbia Financial (CLBK) Common Stock shares does John Klimowich hold directly and indirectly?

The filing lists 63,662 Common Stock shares held directly by Klimowich. It also reports multiple indirect Common Stock holdings through stock awards, SERP, SIM, ESOP, 401(k), and a stock-based deferral plan, each with its own share balance as of the reported date.

What do the phantom stock and rabbi trust references mean for Columbia Financial (CLBK) holdings?

A footnote explains that phantom stock is purchased on a non-discretionary basis by a trustee in a rabbi trust for a stock-based deferral plan. For Columbia Financial, these stock unit interests will ultimately be settled in actual shares of Common Stock when distributed to John Klimowich.