Columbia Financial, Inc.

CLBK

Columbia Financial, Inc.

CLBK

Insider Sentiment (TTM):

Last Purchase:2024-02-22Last Sale:2024-12-12Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:13,108,738Shares Outstanding:101,266,942Institutional Ownership Pct.:12.94%

Earnings Market Reaction:

Filing Date:2026-05-11Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Cash And Due From Banks	277	341	253	248	256	289	283	391	373	423	204	93
Interest Bearing Deposits In Banks	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Cash Equivalents At Carrying Value	277	341	253	248	256	289	284	391	373	423	204	93
Debt Securities Available For Sale Excluding Accru…	1,199	1,122	1,080	1,057	1,077	1,026	1,272	1,263	1,187	1,094	1,018	997
Debt Securities Held To Maturity Excluding Accrued…	378	396	399	402	401	393	401	411	398	401	412	415
Equity Securities Fv Ni	6	7	8	7	7	7	5	5	4	4	4	4
Federal Home Loan Bank Stock	83	65	68	69	62	60	76	88	81	81	72	61
Financing Receivable Excluding Accrued Interest Be…	8,260	8,292	8,273	8,175	8,027	7,917	7,857	7,819	7,816	7,875	7,841	7,760
Financing Receivable Allowance For Credit Loss Exc…	69	67	66	64	62	60	58	57	55	55	54	53
Financing Receivable Excluding Accrued Interest Af…	8,191	8,225	8,207	8,111	7,965	7,857	7,799	7,762	7,760	7,819	7,786	7,707
Interest Receivable	42	41	42	41	42	40	42	41	42	39	37	35
Property Plant And Equipment Net	83	83	83	82	83	82	82	83	83	84	83	83
Bank Owned Life Insurance	285	283	281	279	277	275	273	271	270	268	269	268
Intangible Assets Net Including Goodwill	120	120	121	120	120	121	122	122	123	123	124	125
Other Real Estate	6	0	0	0	1	1	2	2	-	0	-	-
Other Assets	342	336	313	323	316	324	330	324	315	308	313	297
Assets	11,011	11,019	10,856	10,739	10,608	10,475	10,687	10,764	10,638	10,646	10,324	10,085
Liabilities And Stockhold…
Liabilities
Deposits	8,372	8,444	8,240	8,135	8,195	8,096	7,958	7,782	7,829	7,847	7,703	7,714
Long Term Debt	1,243	1,183	1,263	1,273	1,108	1,081	1,421	1,684	1,530	1,529	1,356	1,120
Advance Payments By Borrowers For Taxes And Insura…	48	46	44	50	47	45	43	48	46	44	42	48
Accrued Liabilities And Other Liabilities	173	185	167	161	158	173	186	204	194	186	214	180
Liabilities	9,837	9,858	9,715	9,618	9,508	9,395	9,607	9,717	9,599	9,605	9,316	9,062
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	808	807	804	803	801	799	798	796	794	791	789	786
Retained Earnings Accumulated Deficit	947	934	918	903	891	882	903	897	892	894	887	878
Accumulated Other Comprehensive Income Loss Net Of…	-78	-76	-89	-95	-101	-110	-131	-155	-161	-159	-185	-166
Treasury Stock Value	-476	-476	-464	-462	-462	-461	-461	-460	-456	-454	-452	-442
Unearned E S O P Shares	-27	-28	-29	-29	-30	-30	-31	-31	-32	-32	-33	-34
Common Stock Held In Trust	-4	-3	-3	-3	-3	-3	-3	-3	-3	-3	-3	-3
Stockholders Equity	1,174	1,161	1,141	1,121	1,100	1,080	1,079	1,047	1,038	1,040	1,007	1,023
Liabilities And Stockholders Equity	11,011	11,019	10,856	10,739	10,608	10,475	10,687	10,764	10,638	10,646	10,324	10,085
Held To Maturity Securities Fair Value	348	367	368	368	364	350	368	365	352	357	352	364
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	500	500	500	500	500	500	500	500	500	500	500	500
Common Stock Shares Issued	132	132	132	132	132	131	131	131	131	131	131	131
Shares Outstanding	104	104	105	105	105	105	105	105	105	105	105	106
Treasury Stock Common Shares	28	28	27	27	27	27	27	27	26	26	26	26

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	4.27%	8.90%	22.34%	-	-	-	-	-	-	-	-	-
2025	-6.23%	-3.80%	-7.80%	4.88%	6.77%	7.61%	3.94%	5.84%	4.46%	-4.60%	0.61%	12.74%
2024	-9.09%	-6.14%	15.30%	8.36%	3.78%	1.83%	-0.27%	-13.51%	-15.65%	-6.59%	-15.65%	-12.51%
2023	-	-	-	-2.89%	-11.09%	-9.22%	6.93%	19.23%	19.05%	-2.09%	-0.12%	-3.71%
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Performance and Valuation Metrics

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Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.68	-0.69	-0.90	-0.95	-0.36	0.12	0.70	1.09	1.09	1.24	1.47	1.79
Per Share Metrics
Diluted EPS TTM	0.55	0.51	0.15	0.06	-0.02	-0.11	0.16	0.19	0.16	0.35	0.50	0.62
Free Cash Flow Per Share TTM	0.64	0.58	0.63	0.05	0.09	0.25	-0.36	0.35	0.50	0.32	0.94	0.88
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-2,895.12%	-2,995.57%	-3,188.89%	-3,443.09%	-3,750.69%	-4,102.31%	-5,630.99%	-5,616.16%	-5,483.82%	-5,072.21%	-2,840.95%	-1,987.55%
Operating Profit Margin TTM	909.23%	844.16%	278.51%	122.52%	-37.35%	-244.51%	303.33%	401.41%	369.86%	895.06%	1,386.97%	1,656.91%
Net Profit Margin TTM	681.50%	642.74%	191.64%	83.26%	-22.89%	-179.08%	267.73%	335.93%	301.15%	701.38%	1,032.50%	1,229.27%
Growth Metrics
Net Revenue Growth (1Y)	17.62%	23.77%	28.55%	30.38%	29.73%	26.47%	21.07%	10.50%	1.57%	-2.80%	-5.16%	8.78%
Net Income Growth (1Y)	-3,602.19%	-544.23%	-7.99%	-67.68%	-109.86%	-132.29%	-68.61%	-69.80%	-80.82%	-58.12%	-41.33%	-27.92%
EPS Growth (1Y)	-3,621.20%	-543.64%	-8.35%	-67.79%	-109.85%	-132.60%	-68.50%	-69.58%	-80.27%	-56.93%	-38.47%	-25.25%
Valuation Metrics
P/E TTM	14.34	13.83	46.67	108.58	-432.46	-62.42	48.64	36.08	48.89	24.82	14.10	12.68
P/B TTM	0.68	0.62	0.61	0.60	0.63	0.67	0.73	0.66	0.76	0.86	0.72	0.78
P/S TTM	97.71	88.89	89.43	90.40	98.98	111.79	130.22	121.21	147.22	174.07	145.58	155.85
Market Cap	802.36M	715.91M	692.99M	669.61M	691.08M	727.39M	784.95M	688.57M	792.35M	895.59M	724.86M	801.21M
Enterprise Value	1.77B	1.56B	1.70B	1.69B	1.54B	1.52B	1.92B	1.98B	1.95B	2.00B	1.88B	1.83B
Calculated Values
Free Cash Flow TTM	64.32M	58.56M	63.84M	4.65M	8.93M	25.88M	-36.20M	35.63M	50.88M	33.08M	95.48M	89.70M
Net Debt	966.52M	842.67M	1.01B	1.02B	851.50M	791.38M	1.14B	1.29B	1.16B	1.11B	1.15B	1.03B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-12-12Sale

Owner: Holland, Noel R.

Title: -

Shares: 10,000

Price/Share: $17.06

Value: $170,600.00

Shares Owned: 30,501

Relationship: Director

Ownership: Direct

2024-02-22Purchase

Owner: Van, Dyk Robert

Title: -

Shares: 1,000

Price/Share: $16.69

Value: $16,690.00

Shares Owned: 119,230

Relationship: Director

Ownership: Direct

2023-05-02Purchase

Owner: Klimowich, John

Title: EVP & Chief Risk Officer

Shares: 346

Price/Share: $14.42

Value: $4,989.32

Shares Owned: 48,232

Relationship: Officer

Ownership: Direct

2023-03-14Purchase

Owner: Kemly, Thomas J.

Title: President & CEO

Shares: 2,500

Price/Share: $17.59

Value: $43,975.00

Shares Owned: 176,563

Relationship: Director,Officer

Ownership: Direct

2023-03-14Purchase

Owner: Gibney, Dennis E.

Title: EVP & Chief Financial Officer

Shares: 2,000

Price/Share: $17.60

Value: $35,200.00

Shares Owned: 137,461

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-12-12	Holland, Noel R.	Director	-	Direct	Sale	10,000	17.06	$170,600.00	30,501	4
2024-02-22	Van, Dyk Robert	Director	-	Direct	Purchase	1,000	16.69	$16,690.00	119,230	4
2023-05-02	Klimowich, John	Officer	EVP & Chief Risk Officer	Direct	Purchase	346	14.42	$4,989.32	48,232	4
2023-03-14	Kemly, Thomas J.	Director,Officer	President & CEO	Direct	Purchase	2,500	17.59	$43,975.00	176,563	4
2023-03-14	Gibney, Dennis E.	Officer	EVP & Chief Financial Officer	Direct	Purchase	2,000	17.60	$35,200.00	137,461	4
2022-12-05	Randall, Elizabeth E.	Director	-	Direct	Sale	5,709	21.22	$121,144.98	20,557	4
2022-10-31	Massood, Michael Jr.	Director	-	Indirect	Purchase	2,908	20.55	$59,759.40	33,494	4
2022-05-12	Van, Dyk Robert	Director	-	Direct	Purchase	1,000	19.72	$19,720.00	104,615	4
2022-03-04	Schlesinger, Allyson Katz	Officer	EVP & Head of Consumer Banking	Direct	Purchase	2,344	21.36	$50,067.84	22,342	4
2022-03-04	Van, Ostenbridge Paul	Director	-	Indirect	Purchase	2,350	21.30	$50,055.00	2,350	4
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Institutional Ownership

No data available for chart

2026-03-31

12.94%

Inst. Shares: 13,108,738

Shares Outstanding: 101,266,942

2025-12-31

12.71%

Inst. Shares: 12,942,387

Shares Outstanding: 101,810,752

2025-09-30

13.02%

Inst. Shares: 13,286,944

Shares Outstanding: 102,031,221

2025-06-30

13.01%

Inst. Shares: 13,266,009

Shares Outstanding: 101,985,784

2025-03-31

12.01%

Inst. Shares: 12,231,766

Shares Outstanding: 101,816,716

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	13,108,738	101,266,942	12.94%
2025-12-31	12,942,387	101,810,752	12.71%
2025-09-30	13,286,944	102,031,221	13.02%
2025-06-30	13,266,009	101,985,784	13.01%
2025-03-31	12,231,766	101,816,716	12.01%
2024-12-31	11,855,537	101,676,758	11.66%
2024-09-30	11,426,620	101,623,160	11.24%
2024-06-30	11,454,143	101,651,511	11.27%
2024-03-31	10,565,474	101,746,740	10.38%
2023-12-31	10,911,934	102,656,388	10.63%
2023-09-30	10,550,295	101,968,294	10.35%
2023-06-30	11,253,844	102,409,035	10.99%
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Columbia Financial, Inc. (CLBK) — SEC Financial Statements & Analysis

Columbia Financial, Inc. (CLBK) is a savings institution, federally chartered company, incorporated in DE. Columbia Financial, Inc. trades on Nasdaq as: CLBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Columbia Financial, Inc. reported a 17.62% year-over-year revenue growth, a Gross Profit Margin of -2895.12% (TTM), a Price-to-Sales (P/S) ratio of 97.71x (TTM), a Price-to-Book (P/B) ratio of 0.68x (TTM), at a market cap of $802.36M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 17.62%
Gross Profit Margin TTM: -2895.12%
P/S TTM: 97.71x
P/B TTM: 0.68x
Market Cap: $802.36M

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Columbia Financial, Inc. in?

Columbia Financial, Inc. (CLBK) operates in the Savings Institution, Federally Chartered industry.

What is CLBK's market cap?

Columbia Financial, Inc. (CLBK) has a market capitalization of $802.36M as of 2026-03-31.

What is CLBK's P/E ratio?

Columbia Financial, Inc. (CLBK)'s trailing twelve month P/E ratio is 14.34x as of 2026-03-31.

What exchange does CLBK trade on?

Columbia Financial, Inc. (CLBK) trades on the Nasdaq.

Where is Columbia Financial, Inc. incorporated?

Columbia Financial, Inc. is incorporated in DE.