NASDAQ · Financial Statements

Columbia Financial, Inc. (CLBK) Financial Statements

$10.90 NASDAQ: CLBK Market Cap $2.44B

Columbia Financial, Inc. most recently reported annual revenue of $507.0M, net profit of $52.0M. Revenue grew at an average annual rate of 9.2% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Columbia Financial, Inc.: Revenue rose from $188.0M in 2016 to $507.0M in 2025, a change of +169.7% over 9 years; net profit was positive in 9 of 10 reported years; operating margin moved from 26.5% to 11.9%, a shift of -14.7 percentage points; the most recent year shows net profit of $52.0M.

Income Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	$188.0M	$201.0M	$247.0M	$292.0M	$326.0M	$309.0M	$340.0M	$422.0M	$453.0M	$507.0M
Operating Expenses	$138.0M	$154.0M	$213.0M	$221.0M	$250.0M	$183.0M	$223.0M	$376.0M	$469.0M	$447.0M
Operating Profit	$50.0M	$47.0M	$34.0M	$71.0M	$76.0M	$126.0M	$117.0M	$46.0M	$-16.0M	$60.0M
Operating Margin	26.5%	23.4%	13.6%	24.3%	23.4%	40.8%	34.4%	10.9%	-3.5%	11.9%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$44.0M	$44.0M	$61.0M	$88.0M	$74.0M	$37.0M	$43.0M	$189.0M	$273.0M	$235.0M
Depreciation	$3.0M	$3.0M	$4.0M	$5.0M	$10.0M	$12.0M	$13.0M	$14.0M	$15.0M	$9.0M
Profit Before Tax	$50.0M	$47.0M	$34.0M	$71.0M	$76.0M	$126.0M	$117.0M	$46.0M	$-16.0M	$60.0M
Tax	$33.8M	$34.0M	$32.5M	$23.0M	$24.5M	$27.1M	$26.3M	$21.6M	$26.8M	$13.9M
Net Profit	$33.0M	$31.0M	$23.0M	$55.0M	$58.0M	$92.0M	$86.0M	$36.0M	$-12.0M	$52.0M
EPS	$0.13	$0.12	$0.09	$0.22	$0.24	$0.40	$0.37	$0.16	$-0.05	$0.23
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$107.0M	$122.0M	$116.0M	$122.0M	$125.0M	$90.0M	$121.0M	$127.0M	$130.0M	$130.0M	$122.0M	$122.0M
Operating Expenses	$95.0M	$115.0M	$117.0M	$118.0M	$118.0M	$117.0M	$109.0M	$110.0M	$118.0M	$110.0M	$103.0M	$113.0M
Operating Profit	$12.0M	$7.0M	$-1.0M	$5.0M	$7.0M	$-27.0M	$12.0M	$17.0M	$12.0M	$20.0M	$19.0M	$9.0M
Operating Margin	11.1%	6.1%	-1.1%	3.9%	5.9%	-29.8%	10.0%	13.0%	9.0%	15.3%	15.3%	7.5%
Interest	$50.0M	$66.0M	$66.0M	$69.0M	$71.0M	$67.0M	$62.0M	$63.0M	$49.0M	$62.0M	$58.0M	$0
Profit Before Tax	$12.0M	$7.0M	$-1.0M	$5.0M	$7.0M	$-27.0M	$12.0M	$17.0M	$12.0M	$20.0M	$19.0M	$20.0M
Tax	$22.9M	$11.6M	$10.1M	$5.8M	$15.5M	$20.7M	$25.9M	$25.4M	$-27.9M	$21.6M	$29.9M	$27.6M
Net Profit	$9.0M	$7.0M	$-1.0M	$5.0M	$6.0M	$-21.0M	$9.0M	$12.0M	$15.0M	$16.0M	$13.0M	$14.0M
EPS	$0.04	$0.03	$0.00	$0.02	$0.03	$-0.10	$0.04	$0.05	$0.07	$0.07	$0.06	$0.06

Over the 10 years reported for Columbia Financial, Inc., borrowings increased from $682.0M in 2016 to $1.2B in 2025, cash stood at $341.0M in the latest year, shareholders' equity was $1.0M, current assets covered current liabilities 0.08 times.

Balance Sheet — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	$5.0B	$5.8B	$6.7B	$8.2B	$8.8B	$9.2B	$10.4B	$10.6B	$10.5B	$11.0B
Current Assets	$831.0M	$792.0M	$1.1B	$1.2B	$1.8B	$1.8B	$1.5B	$1.6B	$1.1B	$382.0M
Cash	$46.0M	$65.0M	$42.0M	$76.0M	$423.0M	$71.0M	$179.0M	$423.0M	$289.0M	$341.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$13.0M	$16.0M	$19.0M	$22.0M	$29.0M	$28.0M	$34.0M	$39.0M	$40.0M	$41.0M
Fixed Assets	$38.0M	$43.0M	$52.0M	$73.0M	$76.0M	$79.0M	$84.0M	$84.0M	$82.0M	$83.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$4.7B	$5.4B	$6.2B	$7.5B	$7.7B	$8.4B	$9.4B	$9.3B	$9.3B	$9.8B
Other Assets	$6.0M	$6.0M	$6.0M	$61.0M	$80.0M	$85.0M	$111.0M	$111.0M	$111.0M	$111.0M
Total Liabilities	$4.6B	$5.3B	$5.7B	$7.2B	$7.8B	$8.1B	$9.4B	$9.6B	$9.4B	$9.9B
Current Liabilities	$4.1B	$4.4B	$4.7B	$5.9B	$7.0B	$7.7B	$8.2B	$7.8B	$8.1B	$5.0B
Borrowings	$682.0M	$929.0M	$1.2B	$1.4B	$799.0M	$377.0M	$1.1B	$1.5B	$1.1B	$1.2B
Other Liabilities	$3.9B	$4.4B	$4.5B	$5.8B	$7.0B	$7.8B	$8.2B	$8.1B	$8.3B	$8.7B
Equity	$0	$0	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M
Reserves	$440.0M	$472.0M	$972.0M	$983.0M	$1.0B	$1.1B	$1.1B	$1.0B	$1.1B	$1.2B

For Columbia Financial, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $59.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating Cash Flow	$59.0M	$36.0M	$57.0M	$22.0M	$49.0M	$99.0M	$142.0M	$41.0M	$33.0M	$68.0M
Investing Cash Flow	$-294.0M	$-337.0M	$-956.0M	$-540.0M	$253.0M	$-449.0M	$-622.0M	$32.0M	$32.0M	$-464.0M
Financing Cash Flow	$255.0M	$299.0M	$163.0M	$397.0M	$687.0M	$477.0M	$-163.0M	$-238.0M	$245.0M	$334.0M
Net Cash Flow	$3.0M	$55.0M	$-23.0M	$33.0M	$347.0M	$-352.0M	$108.0M	$244.0M	$-134.0M	$52.0M
Free Cash Flow	$55.0M	$30.0M	$43.0M	$2.0M	$44.0M	$93.0M	$135.0M	$33.0M	$26.0M	$59.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.05
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	64.44%
Return 3Y	29.67%
Return 5Y	22.24%

Columbia Financial, Inc. (CLBK) financials — frequently asked questions

What is Columbia Financial, Inc.'s annual revenue?

Columbia Financial, Inc. (CLBK) reported annual revenue of $507.0M in its most recent fiscal year.

What is Columbia Financial, Inc.'s net profit?

Columbia Financial, Inc. (CLBK) reported net profit of $52.0M in its most recent fiscal year.

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