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What this page is: Delvantic's full research page for Columbia Financial Inc. (CLBK) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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Columbia Financial Inc. operates as a registered savings and loan holding company for Columbia Bank, providing a wide array of banking and financial services primarily in New Jersey. The company is focused on delivering personalized financial solutions through its traditional and digital banking platforms. Columbia Financial offers diverse products such as residential, commercial, and consumer loans, ensuring a comprehensive approach to community banking. It also provides deposit services, including checking and savings accounts, certificates of deposit, and IRAs, catering to both personal and business clients. As a significant player in the New Jersey banking sector, Columbia Financial Inc. has established a strong presence with multiple branches, emphasizing customer service and community involvement. The institution plays a crucial role in local economic development by supporting various community initiatives and by offering financial literacy programs, contributing to financial stability within its service regions.
Earnings Schedule
Checked daily · calendar updated Aug 4| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 30, 2026 | $0.07 | $0.15 +114.3% | — | — |
| Jun 11, 2026 | $-0.33 | $-0.09 +72.7% | — | — |
| Apr 20, 2026 | $0.07 | $0.07 +0.0% | — | — |
| Mar 27, 2026 | $-3.78 | $-0.97 +74.3% | — | — |
| Feb 23, 2026 | $0.42 | $0.40 -4.8% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Jul 30, 2026 | 8-K | View |
| Jul 29, 2026 | S-8 | View |
| Jul 29, 2026 | S-8 | View |
| Jul 28, 2026 | 8-K/A | View |
| Jul 28, 2026 | 4 | View |
| Jul 28, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
| Jul 22, 2026 | 4 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 4, 2026 2:40am (just now)Price History (1 Year)
Revenue & Net Income Trend
This company does not file structured financial statements with the U.S. SEC, so quarterly figures aren't available from our filings-based data engine. Annual figures shown here come from the sources that do cover it.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
EPS (Diluted): 0.51
Total Equity: $1.16B
Shares: 101,501,961
Total Debt: $1.18B
Cash: $340.81M
EBITDA: N/A
Total Debt: $1.18B
Cash: $340.81M
Revenue: $258.70M
Revenue: $258.70M
Revenue: $258.70M
Total Equity: $1.16B
Tax Rate: 23.9%
Equity: $1.16B
Total Debt: $1.18B
Cash: $340.81M
Current Liabilities: N/A
Long-Term Debt: $1.18B
Total Debt: $1.18B
Total Equity: $1.16B
Shares: 101,501,961
Shares: 101,501,961
CapEx: $0.00
Shares: 101,501,961
Stock Price: $10.64
Net Income: $51.77M
Income Statement (Annual)
Last updated: Aug 4, 2026 2:40am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $272.0M | $297.2M | $233.3M | $179.9M | $258.7M |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $104.3M | $122.4M | $132.3M | $119.6M | $128.4M |
| Operating Income | — | — | — | — | — |
| Net Income | $92.0M | $86.2M | $36.1M | -$11.7M | $51.8M |
| EBITDA | — | — | — | — | — |
| EPS | $0.88 | $0.82 | $0.35 | $-0.11 | $0.51 |
| EPS (Diluted) | $0.88 | $0.81 | $0.35 | $-0.11 | $0.51 |
Balance Sheet (Annual)
Last updated: Aug 4, 2026 2:40am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $71.0M | $179.2M | $423.2M | $289.2M | $340.8M |
| Total Current Assets | — | — | — | — | — |
| Total Assets | — | — | — | $10.5B | $11.0B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | $377.3M | $1.1B | $1.5B | $1.1B | $1.2B |
| Total Liabilities | — | — | — | $9.4B | $9.9B |
| Total Equity | $1.1B | $1.1B | $1.0B | $1.1B | $1.2B |
| Retained Earnings | $765.1M | $857.5M | $893.6M | $882.0M | $933.7M |
Cash Flow (Annual)
Last updated: Aug 4, 2026 2:40am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $108.2M | $102.6M | $16.2M | -$13.6M | $68.4M |
| Capital Expenditure | -$3.6M | -$5.4M | -$7.6M | -$6.2M | — |
| Free Cash Flow | $93.2M | $135.0M | $33.1M | $25.9M | $58.6M |
| Acquisitions (net) | $20.4M | $140.8M | $0 | $0 | -$1.4M |
| Net Debt Issued / (Repaid) | -$483.8M | $744.0M | $401.3M | -$451.5M | $102.9M |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$108.1M | -$98.6M | -$81.1M | -$6.7M | -$13.8M |
| Net Change in Cash | -$352.0M | $108.3M | $244.0M | -$134.0M | $51.6M |
Growth Trends (YoY %)
Last updated: Aug 4, 2026 2:40am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +9.3% | -21.5% | -22.9% | +43.8% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | -6.4% | -58.1% | -132.3% | +544.2% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Aug 4, 2026 2:40am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-08-12 | $0.05 | — | — | — |
Industry Benchmarks
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
Narrative Economics
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Claude Reading
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GPT Reading
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report is run on this ticker.
Grok Reading
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report is run on this ticker.
Advanced Analysis Forensic deep-dive · three lenses
Character & Durability Scorecard
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