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+49.0%
5Y+56.0%
10Y+170.0%
3Y-40.0%
5Y-10.0%
10Y+57.0%
3Y-52.0%
5Y+39.0%
10Y+16.0%
Columbia Financial, Inc.

Columbia Financial, Inc. Profit Bridge

CLBK ยท NASDAQ
Revenue507.44M
Cost of Goods Sold (252.44M)
Gross Profit255.00M
Operating Expenses (194.84M)
Operating Income60.16M
Interest Expense (235.40M)
Other Income/Expense0.00
Pretax Income60.16M
Income Tax (8.39M)
Net Income51.77M
Net Income
51.77M

Profitability Analysis

Gross Margin

50.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

11.9%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

10.2%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

13.9%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

Columbia Financial, Inc. Income Statement

CLBK โ€ข NASDAQ

Columbia Financial, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Sep 2017Sep 2016
REVENUE
507.4M
453.3M
422.4M
340.1M
309M
326.2M
292.1M
246.8M
201.1M
187.7M
GROSS PROFIT
(252.4M)
(287.9M)
(193.9M)
(48.4M)
(27.1M)
(92.2M)
(92.3M)
(67.8M)
(50.6M)
(44.2M)
255M
165.4M
228.5M
291.7M
281.9M
234.4M
199.8M
179M
150.5M
143.5M
OPERATING INCOME
(194.8M)
(181.3M)
(182.4M)
(174.8M)
(155.7M)
(158.1M)
(128.7M)
(145.4M)
(103.4M)
(93.8M)
(74.5M)
(119.6M)
(132.3M)
(122.4M)
(104.3M)
(105.2M)
(89.1M)
(85.9M)
(71M)
(65.6M)
60.2M
-15.9M
46.1M
116.9M
126.2M
76.3M
71.1M
33.7M
47.1M
49.8M
PRE-TAX INCOME
(235.4M)
(273.4M)
(189.1M)
(42.9M)
(37M)
(73.7M)
(88.1M)
(61.1M)
(44.1M)
(43.8M)
232.7M
170.4M
200.7M
265.1M
231.1M
217.9M
168.8M
161.3M
137.9M
123.5M
(120.3M)
(61.8M)
(50.1M)
(52.4M)
(51.5M)
(52.9M)
(39.6M)
(59.5M)
(32.5M)
(28.2M)
60.2M
-15.9M
46.1M
116.9M
126.2M
76.3M
71.1M
33.7M
47.1M
49.8M
NET INCOME
(8.4M)
-4.3M
(10M)
(30.7M)
(34.1M)
(18.7M)
(16.4M)
(10.9M)
(16M)
(16.8M)
51.8M
-11.7M
36.1M
86.2M
92M
57.6M
54.7M
22.7M
31.1M
33M

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