$19.83
-0.35%Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
CLBK โข NASDAQ
| Columbia Financial, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Sep 2017 | Sep 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||
51.8M | -11.7M | 36.1M | 86.2M | 92M | 57.6M | 54.7M | 22.7M | 31.1M | 33M | |
15M | 14.6M | 14.3M | 13.4M | 11.6M | 10.4M | 5M | 3.8M | 3.5M | 3.3M | |
14.2M | -6M | 3.4M | 12.8M | 17.7M | 9.7M | 7.5M | -5.5M | -1.4M | 2.9M | |
8.2M | 10.3M | 12.1M | 12.3M | 12.9M | 12M | 7.3M | 2.6M | 0.0 | 0.0 | |
1.9M | 47M | 11.1M | 7.2M | -17.4M | 8.4M | -3M | 39.7M | 6.3M | 16.9M | |
(2K) | (940K) | (9.3M) | (15.7M) | (16.3M) | (10.5M) | (0.0) | (21.3M) | (27.8M) | (8M) | |
-22.6M | -20.9M | -36.2M | 10.4M | -18.2M | -49M | -49.7M | -6.7M | -3.4M | 2.9M | |
68.4M | 33.3M | 40.7M | 142.2M | 98.7M | 49M | 21.8M | 56.6M | 36M | 59M | |
INVESTING ACTIVITIES | ||||||||||
-9.8M | -7.4M | -7.6M | -7.2M | -5.5M | -4.6M | -19.3M | -13.3M | -6.5M | -3.7M | |
-1.4M | (0.0) | (0.0) | (140.8M) | (20.4M) | (155.2M) | (0.0) | (0.0) | (0.0) | (0.0) | |
-305.5M | -446.2M | -124.6M | -170.5M | -870.9M | -305.6M | -278M | -445.4M | -193.3M | -357.5M | |
261.9M | 528.9M | 398.1M | 439.9M | 496.1M | 317.3M | 262.1M | 90.3M | 256.6M | 261.2M | |
-399.3M | -35.7M | -226.2M | -1B | -83.7M | 95.3M | -485.7M | -574.7M | -387.1M | -190.6M | |
-454.2M | (39.5M) | (39.6M) | -614.7M | -443.6M | (257.6M) | -521M | -943.1M | -330.3M | -290.6M | |
FINANCING ACTIVITIES | ||||||||||
-13.8M | -6.7M | -81.1M | -98.6M | -108.1M | -108.4M | -56M | 492.4M | 0.0 | 0.0 | |
102.9M | -451.5M | 401.3M | 744M | -483.8M | -646.5M | 135.1M | 259.2M | 51M | -20.6M | |
-13.8M | -6.7M | -81.1M | -98.6M | -108.1M | -108.4M | -56M | (0.0) | (0.0) | (0.0) | |
347.8M | 251.4M | -156.6M | -64.5M | 584.9M | 795.6M | 453.5M | 163.1M | 298.6M | 254.7M | |
437.3M | -206.8M | 163.7M | 580.8M | -7.1M | 40.7M | 532.5M | 863.3M | 349.6M | 234.1M | |
CASH FLOW SUMMARY | ||||||||||
51.6M | -134M | 244M | 108.3M | -352M | 347.4M | 33.3M | -23.3M | 55.3M | 2.5M | |
289.2M | 423.2M | 179.2M | 71M | 423M | 75.5M | 42.2M | 65.5M | 45.7M | 43.2M | |
340.8M | 289.2M | 423.2M | 179.2M | 71M | 423M | 75.5M | 42.2M | 101M | 45.7M | |
58.6M | 25.9M | 33.1M | 135M | 93.2M | 44.4M | 2.5M | 43.3M | 29.5M | 55.3M |
CLBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 15, 2026 | May 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 11, 2026 | May 11, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 30, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 17, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 02, 2026 | January 28, 2026 | 2026 |
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