Columbia Financial, Inc.

Columbia Financial, Inc.

CLBKยทNASDAQ

$19.83

-0.35%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$2.06B
EPS0.5100
P/E Ratio38.88
Earnings Date07/29/2026
3Y-52.0%
5Y+39.0%
10Y+16.0%
3Y-26.0%
5Y-276.0%
10Y+56.0%
3Y-25.0%
5Y+974.0%
10Y+87.0%
CLBK

Columbia Financial, Inc. Cash Conversion Engine

CLBK ยท NASDAQ
Net Income51.77M
Depreciation & Amortization15.03M
Stock-Based Compensation8.15M
Change in Working Capital-22.59M
Others1.89M
Capital Expenditures-9.84M
Free Cash Flow58.56M

Cash Flow Quality Analysis

FCF Conversion Rate

113.1%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

14.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+126.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$22.59M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Columbia Financial, Inc. Cash Flow Statement

CLBK โ€ข NASDAQ

Columbia Financial, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Sep 2017Sep 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

SEC Filings

CLBK - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 155 filings