CLBK · Columbia Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $18.70M | - | $19.82M | $16.50M | $12.02M | - | $7.32M | $4.82M | ($1.28M) | - |
| Interest Expense | - | - | - | - | - | - | - | $69.21M | $66.43M | - |
| Income Tax | $5.60M | - | $4.96M | $4.20M | $3.12M | - | $1.13M | $279.0K | ($129.0K) | - |
| Net Income | $13.10M | - | $14.87M | $12.30M | $8.90M | - | $6.18M | $4.54M | ($1.16M) | - |
| EPS - Basic | $0.13 | - | $0.15 | $0.12 | $0.09 | - | $0.06 | $0.04 | ($0.01) | - |
| EPS - Diluted | $0.13 | - | $0.15 | $0.12 | $0.09 | - | $0.06 | $0.04 | ($0.01) | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $276.95M | $340.81M | $253.40M | $248.22M | $256.09M | $289.22M | $283.50M | $391.11M | $373.47M | $423.25M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $11.01B | $11.02B | $10.86B | $10.74B | $10.61B | $10.48B | $10.69B | $10.76B | $10.64B | $10.65B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $1.24B | $1.18B | $1.26B | $1.27B | $1.11B | $1.08B | $1.42B | $1.68B | $1.53B | $1.53B |
| Total Liabilities | $9.84B | $9.86B | $9.71B | $9.62B | $9.51B | $9.40B | $9.61B | $9.72B | $9.60B | $9.61B |
| Stockholders' Equity | $1.17B | $1.16B | $1.14B | $1.12B | $1.10B | $1.08B | $1.08B | $1.05B | $1.04B | $1.04B |
| Retained Earnings | $946.82M | $933.72M | $918.02M | $903.16M | $890.85M | $881.95M | $903.17M | $896.99M | $892.45M | $893.60M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.14M | - | - | - | ($1.58M) | - | - | - | $14.14M | - |
| Investing Cash Flow | ($56.91M) | - | - | - | ($159.02M) | - | - | - | ($49.05M) | - |
| Financing Cash Flow | ($10.10M) | - | - | - | $127.47M | - | - | - | ($14.87M) | - |
| CapEx | $1.87M | - | - | - | $2.90M | - | - | - | $1.67M | - |
| Free Cash Flow | $1.27M | - | - | - | ($4.48M) | - | - | - | $12.46M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.10 | - | - | - | -0.50 | - | - | - | -10.79 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 29.9% | - | 25.0% | 25.4% | 25.9% | - | 15.5% | 5.8% | - | - |
| Return on assets | 0.1% | - | 0.1% | 0.1% | 0.1% | - | 0.1% | 0.0% | -0.0% | - |
| Return on equity | 1.1% | - | 1.3% | 1.1% | 0.8% | - | 0.6% | 0.4% | -0.1% | - |
| Return on invested capital | 0.5% | - | 0.6% | 0.5% | 0.4% | - | 0.2% | 0.2% | -0.0% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 1.06 | 1.02 | 1.11 | 1.14 | 1.01 | 1.00 | 1.32 | 1.61 | 1.47 | 1.47 |
| Debt / Assets | 0.11 | 0.11 | 0.12 | 0.12 | 0.10 | 0.10 | 0.13 | 0.16 | 0.14 | 0.14 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.1x | -0.0x | - |
| Equity multiplier | 9.38 | 9.49 | 9.51 | 9.58 | 9.64 | 9.70 | 9.90 | 10.28 | 10.25 | 10.23 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 134.7x | - | 100.1x | 120.9x | 166.7x | - | 284.5x | 374.3x | - | - |
| P / B | 1.5x | - | 1.3x | 1.3x | 1.4x | - | 1.6x | 1.5x | 1.7x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 55.6% | - | 171.0% | 242.4% | - | - | -38.2% | 150.9% | - | - |
| Net income growth (YoY) | 47.2% | - | 140.4% | 171.0% | - | - | -32.3% | 172.8% | - | - |
| EPS growth (YoY) | 44.4% | - | 150.0% | 200.0% | - | - | -33.3% | 100.0% | - | - |
| EPS CAGR (3y) | -10.3% | - | -7.6% | -18.3% | -23.4% | - | -33.1% | -46.4% | - | - |
| EPS CAGR (5y) | -8.3% | - | 1.4% | -3.0% | 8.4% | - | -14.3% | -18.3% | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | -62.4% | - | - | - | - | - | - | - | 9.0% | - |
| Book value growth (YoY) | 6.7% | 7.4% | 5.7% | 7.1% | 6.0% | 3.8% | 7.1% | 2.3% | -0.1% | -1.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$36.15M totalDeposit Account Title Insurance And Other Non Interest Income$18.08M · 50.0%
Deposit Account$8.05M · 22.3%
Other Non Interest Income$6.41M · 17.7%
Title Insurance$3.03M · 8.4%
Insurance Agency Income$580.0K · 1.6%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Columbia Financial against the 5 most active filers in the same SIC group.