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Columbia Financial

CLBK Financial Banks Regional

Columbia Financial’s revenue for fiscal 2025 (year ended December 2025) was $508.0 million, up 12.1% from fiscal 2024.

Revenue
+5.07%
EPS
+16.0%
Free cash flow
+34.3%
Total debt
−4.25%

Quarter to June 2026, against a year earlier

11.11 0.11 +1.00%
Market cap
$3.0B
P/E
33.2×
Fwd P/E
20.2×
Dividend yield
0.45%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 4.78
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — 16 — 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 2,970.00
Revenue ttm 519.42
Net income ttm 58.15
Free cash flow ttm 68.73
Net debt Q 128.86
Valuation
P/E 33.17
Forward P/E 20.20
Price / sales 2.17
Forward P/S Powerpack
Price / FCF 16.41
Price / book 0.94
Financial health
Current ratio Q 0.98
Debt / equity Q 1.02
Interest coverage Q —
Growth
Revenue growth Q +5.07% (above 0%: growing)
Operating income growth Q +26.28% (above 0%: growing)
EPS, this year +136.19% (at or above 15%: strong)
EPS, next year A +26.29% (at or above 15%: strong)
Revenue, next year A −28.96% (below 0%: weak)
EPS, past 5 yrs −0.39% (below 0%: weak)
EPS, next 5 yrs A +52.35% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 62.53%
10-year low 10-year high
P/S against its own 10 years 5.62%
10-year low 10-year high
P/B against its own 10 years 5.62%
10-year low 10-year high

Dividends

Yield
0.45%
Annual rate
0.05
Payout ratio
14.9%
  1. 0.10 ’26
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 423 289 341 1,090
Receivables — — — —
Inventory — — — —
Other — — — —
8,282 8,187 8,607 9,555
2023 2024 2025 Q'26
Payables 7,847 8,096 8,444 9,502
ST’ Debt — — — —
Other — — — —
8,033 8,269 8,629 9,707

Compound Annual Growth %

10y 5y 3y
Sales 13.44% 9.21% 14.32%
Cash Flow 0.00% 6.88% (21.64%)
Earnings 17.88% (2.11%) (15.62%)
Book Value — 2.79% 3.28%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.13 Actual 0.16

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.07 0.07 Met by 0.00
Q1 FY26 0.07 0.07 Met by 0.00
Q2 FY26 0.05 0.15 Beat by 0.10
Q3 FY26 0.13 0.16 Beat by 0.03
Q4 FY26 0.17 — Reports 1 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.06 0.14 — — —
’25 0.04 0.12 0.07 0.07 0.23
’24 0.00 0.02 0.03 (0.10) (0.05)
’23 0.08 0.01 0.04 0.03 0.16
’22 0.09 0.10 0.09 0.10 0.37
’21 0.09 0.12 0.09 0.10 0.40
’20 0.03 0.06 0.06 0.09 0.24
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 126 133 — — —
’25 121 127 130 130 508
’24 116 122 125 90 453
’23 101 96 107 119 422
’22 76 81 88 95 340
’21 76 82 75 76 309
’20 81 83 81 82 327
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 3 20 — — —
’25 (2) 15 31 24 68
’24 14 19 (28) 29 33
’23 (4) 34 43 (32) 41
’22 33 42 37 30 142
’21 172 (100) (5) 31 99
’20 (8) 12 5 41 49
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1 17 — — —
’25 (4) 13 30 20 59
’24 12 17 (30) 27 27
’23 (5) 32 41 (35) 33
’22 32 41 35 28 137
’21 170 (100) (5) 31 95
’20 (10) 10 4 40 44
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 144 201 248 293 327 309 340 422 453 508 519 +15.0% 361 517 548 +2.6%
Gross margin, % 0.00 77.93 74.89 69.69 77.33 88.02 87.39 55.23 39.68 50.92 53.31 +50.9 pt
EBT 19 47 34 71 76 126 117 46 (16) 68 78 +15.0%
EBT margin, % 13.45 23.38 13.57 24.28 23.32 40.84 34.37 10.90 (3.51) 13.38 15.05 (0.1) pt
Net income (33) 31 23 55 58 92 86 36 (12) 52 58 n/m
Per share, $
Per share, $ Revenue 1.24 1.74 1.01 1.20 1.35 1.35 1.46 1.87 2.03 2.27 5.12 +6.9%
Earnings 0.28 — 0.09 0.22 0.24 0.40 0.37 0.16 (0.05) 0.23 0.34 (2.1%)
Cash flow 0.00 0.31 0.23 0.09 0.20 0.43 0.61 0.18 0.15 0.31 0.77 n/m
Capex (0.01) (0.06) (0.05) (0.08) (0.02) (0.02) (0.02) (0.03) (0.03) (0.04) (0.10) +21.0%
Free cash flow (0.01) 0.25 0.18 0.01 0.18 0.42 0.59 0.15 0.12 0.26 0.68 n/m
Book value 0.00 4.07 3.97 4.02 4.19 4.71 4.54 4.61 4.83 5.18 11.80 n/m
Shares, m 116 116 245 244 241 229 232 226 224 224 193 +7.6%
Valuation, ×
Valuation, × P/E 28.04 28.04 152.90 34.58 29.35 23.43 26.13 55.44 0.00 23.69 33.17 40.2
P/S 0.00 0.00 6.87 6.43 5.22 7.03 6.73 4.72 3.55 3.11 2.17 4.4
P/B 0.00 0.00 1.75 1.92 1.69 2.01 2.17 1.91 1.49 1.36 0.94 1.4
EV/Sales (0.21) (0.21) 11.49 10.98 6.37 8.02 9.52 7.33 5.29 4.77 — 6.3
EV/FCF 12.16 12.16 65.78 1,295.78 46.91 26.07 23.68 93.63 88.57 41.39 — 170.6
Cash, $m
Cash, $m Operating cash flow 0 36 57 22 49 99 142 41 33 68 78 n/m
Capex (1) (7) (13) (19) (5) (4) (5) (8) (6) (10) (10) +30.3%
Free cash flow (1) 30 43 2 44 95 137 33 27 59 69 n/m
Balance, $m
Balance, $m Working capital — 142 488 470 (392) (1,334) (344) 249 (82) (22) (153) n/m
Net debt 505 864 1,147 1,331 376 306 948 1,105 791 843 129 +5.9%
Shareholders’ equity — 472 972 983 1,011 1,079 1,054 1,040 1,080 1,161 1,196 +11.9%
Returns, %
Returns, % ROA 0.00 1.08 0.36 0.74 0.68 1.02 0.88 0.34 (0.11) 0.48 0.51 +0.5 pt
ROIC (2.98) 2.20 0.99 1.99 3.52 5.73 3.74 1.36 (0.48) 2.13 3.82 +5.1 pt
ROE 2.18 6.81 3.15 5.60 5.78 8.81 8.08 3.45 (1.10) 4.62 5.02 +2.4 pt
People
People Employees — — 663 698 628 714 815 774 755 796 — +2.6%
Revenue/emp, $m 0.00 0.00 0.37 0.42 0.52 0.43 0.42 0.55 0.60 0.64 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026

Columbia Financial vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PRK Park National Corporation $3.3B 15.5× 14.8× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.8× 11.4× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00% Compare
FHB First Hawaiian, Inc. $3.1B 11.1× 11.8× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
PFS Provident Financial Services, Inc $3.0B 9.6× 9.8× +4.27% (above 0%: growing) −3.56% (below 0%: shrinking) −40.48% (below 0%: shrinking) 64.68% 0.00% Compare
CLBK Columbia Financial $3.0B 33.2× 20.2× +5.07% (above 0%: growing) +15.99% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00%
BANC Banc of California, Inc. $2.9B — (loss-making) — (loss-making) +1.56% (above 0%: growing) +37.95% (above 0%: growing) +158.46% (above 0%: growing) 64.08% 0.00% Compare
CUBI Customers Bancorp, Inc $2.8B 9.9× 9.9× +2.67% (above 0%: growing) +2.19% (above 0%: growing) −34.56% (below 0%: shrinking) 59.54% 0.00% Compare
NBTB NBT Bancorp Inc. $2.8B 12.6× 12.6× +1.43% (above 0%: growing) +7.69% (above 0%: growing) +37.10% (above 0%: growing) 79.49% 0.00% Compare
BOH Bank of Hawaii Corporation $2.7B 11.9× 11.9× −0.66% (below 0%: shrinking) +35.07% (above 0%: growing) +211.82% (above 0%: growing) 73.11% 0.00% Compare
Median of peers $2.9B 11.8× 11.8× +1.50% +6.91% +23.25% 68.90% 0.00%

All 327 Banks Regional stocks →

Columbia Financial (CLBK) Latest News

29 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

13 Aug

Impact 3 ·

10 Aug

Impact 3 ·

31 Jul

Impact 4 ·
Impact 3 ·

30 Jul

Impact 3 ·
Impact 3 ·

20 Jul

Impact 4 ·

16 Jul

Impact 4 ·

1 Jul

Impact 4 ·

23 Jun

Impact 3 · · GlobeNewswire

9 Jun

Impact 3 · · StockStory

3 Jun

Impact 3 ·

11 May

Impact 4 · · GlobeNewswire

21 Apr

Impact 3 ·

20 Apr

Impact 4 ·
Impact 4 ·
Impact 3 ·

10 Apr

Impact 3 · · Zacks

4 Feb

Impact 4 · · bankingdive.com

3 Feb

Impact 3 · · northjersey.com

2 Feb

Impact 4 · · The Motley Fool
Impact 4 · · StockStoryMT NewswiresAssociated Press FinanceZacksSimply Wall St.StockStoryStockStoryStockStory
Impact 4 · · MarketBeat
Impact 4 · · MT Newswires
Impact 3 · · MT Newswires
Impact 3 · · StockStory
Impact 3 · · ZacksZacksAssociated Press FinanceSimply Wall St.StockStory

CLBK metrics, ten years each

stockrow.com/CLBK · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com