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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. In the quarter to June 2026, revenue grew 5.07%, EPS grew 162.2%, free cash flow grew 34.3% and total debt fell 4.25%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

10.67 0.15 −1.39%
Market cap
$2.9B
P/E
31.5×
Fwd P/E
39.7×
Dividend yield
0.47%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 4.78
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — 16 — 1 —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 2,920.00
Revenue 519.42
Net Income 58.15
Free Cash Flow 68.73
Net Debt 128.86
Current Ratio 0.98
Debt/Equity 1.02
P/E ratio 31.53
Fwd P/E 39.70 (above 35: high)
P/S ratio 2.08
P/B ratio 0.90
Past 5Y EPS Growth (0.39%) (below 0%: weak)
This Y EPS Growth 12.88%
Next Y EPS Growth 25.54% (at or above 15%: strong)
Next Y revenue growth (31.70%) (below 0%: weak)
Next 5Y EPS Growth 19.19% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 46.24%
10-year low 10-year high
P/S against its own 10 years 0.72%
10-year low 10-year high
P/B against its own 10 years 0.72%
10-year low 10-year high

Dividends

Payout Ratio 0.15
Annual Dividend Rate 0.05
Annual Dividend Yield 0.47%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.10
0.05
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
predictions special payouts not included in total or ratios

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 5.24% (2.11%) (15.62%)
Book Value — 2.79% 3.28%

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.

EPS $

Mar Jun Sep Dec Year
’26 0.06 0.14 — — —
’25 0.04 0.05 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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 6.37 6.48 4.67 6.68 8.53 6.41 6.27 5.75

Analyst estimates 2026–2028

Powerpack
High — — 8.06 7.82 7.88 9.59 10.39 10.10 9.30 7.91
People
People Employees — — 663 698 628 714 815 774 755 796
Revenue/emp, $m 0.00 0.00 0.37 0.42 0.52 0.43 0.42 0.55 0.60 0.64
Income, $m
Income, $m Revenue 144 201 248 293 327 309 340 422 453 508
Gross margin, % 0.00 77.93 74.89 69.69 77.33 88.02 87.39 55.23 39.68 50.92
EBT (66) 47 34 71 76 126 117 46 (16) 68
EBT margin, % (46.17) 23.38 13.57 24.28 23.32 40.84 34.37 10.90 (3.51) 13.38
Net income (33) 31 23 55 58 92 86 36 (12) 52
Depreciation 1 6 8 7 11 18 22 21 18 18
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
Earnings 0.28 0.01 0.09 0.22 0.24 0.40 0.37 0.16 (0.05) 0.23
Cash flow 0.00 0.31 0.23 0.09 0.20 0.43 0.61 0.18 0.15 0.31
Capex (0.01) (0.06) (0.05) (0.08) (0.02) (0.02) (0.02) (0.03) (0.03) (0.04)
Free cash flow (0.01) 0.25 0.18 0.01 0.18 0.42 0.59 0.15 0.12 0.26
Book value 0.00 4.07 3.97 4.02 4.19 4.71 4.54 4.61 4.83 5.18
Shares, m 116 116 245 244 241 229 232 226 224 224
Valuation, ×
Valuation, × P/E 28.04 28.04 152.90 34.58 29.35 23.43 26.13 55.44 0.00 30.46
P/S 0.00 0.00 6.87 6.43 5.22 7.03 6.73 4.72 3.55 3.11
P/B 0.00 0.00 1.75 1.92 1.69 2.01 2.17 1.91 1.49 1.36
EV/Sales (0.21) (0.21) 11.49 10.98 6.37 8.02 9.52 7.33 5.29 4.77
EV/FCF 12.16 12.16 65.78 1,295.78 46.91 26.07 23.68 93.63 88.57 41.39
Cash, $m
Cash, $m Operating cash flow 0 36 57 22 49 99 142 41 33 68
Capex (1) (7) (13) (19) (5) (4) (5) (8) (6) (10)
Free cash flow (1) 30 43 2 44 95 137 33 27 59
Balance, $m
Balance, $m Working capital — 142 488 470 (392) (1,334) (344) 249 (82) (22)
Total debt 505 929 1,189 1,407 799 377 1,127 1,529 1,081 1,183
Net debt 505 864 1,147 1,331 376 306 948 1,105 791 843
Shareholders’ equity — 472 972 983 1,011 1,079 1,054 1,040 1,080 1,161
Returns, %
Returns, % ROA 0.00 1.08 0.36 0.74 0.68 1.02 0.88 0.34 (0.11) 0.48
ROIC (13.60) 2.20 0.99 1.99 3.52 5.73 3.74 1.36 (0.48) 2.13
ROE 6.78 6.81 3.15 5.60 5.78 8.81 8.08 3.45 (1.10) 4.62
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 9 Oct 2026

Charts ten years each

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
CBU Community Financial System, Inc. $3.1B 14.0× 13.3× +8.48% (above 0%: growing) +19.59% (above 0%: growing) +15.96% (above 0%: growing) 83.15% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.1B 20.5× 14.1× +30.05% (above 0%: growing) +10.00% (above 0%: growing) −19.23% (below 0%: shrinking) 73.47% 0.00% Compare
FHB First Hawaiian, Inc. $3.0B 10.8× 11.8× +0.67% (above 0%: growing) +3.45% (above 0%: growing) −93.83% (below 0%: shrinking) 79.03% 0.00% Compare
BKU BankUnited, Inc. $3.0B 11.4× 11.4× −5.37% (below 0%: shrinking) +6.59% (above 0%: growing) +9.39% (above 0%: growing) 62.44% 0.00% Compare
INTR Inter & Co. Inc. $3.0B 10.2× 6.9× +45.51% (above 0%: growing) +46.15% (above 0%: growing) −253.49% (below 0%: shrinking) 59.27% 0.00% Compare
CLBK Columbia Financial $2.9B 31.5× 39.7× +5.07% (above 0%: growing) +162.20% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00%
PFS Provident Financial Services, Inc $2.9B 9.3× 9.6× +4.42% (above 0%: growing) +9.09% (above 0%: growing) −40.48% (below 0%: shrinking) 65.44% 0.00% Compare
BANC Banc of California, Inc. $2.7B — (loss-making) 11.3× −60.17% (below 0%: shrinking) n/m +158.46% (above 0%: growing) 9.09% 0.00% Compare
BOH Bank of Hawaii Corporation $2.7B 12.4× 13.0× +2.31% (above 0%: growing) +38.32% (above 0%: growing) +16.90% (above 0%: growing) 73.09% 0.00% Compare
Median of peers $3.0B 11.4× 11.6× +3.37% +10.00% −4.92% 69.27% 0.00%

All 323 Banks Regional stocks →

Columbia Financial (CLBK) key facts

  • Strength: Columbia Financial’s revenue for fiscal 2025 (year ended December 2025) was $508.0 million, up 12.1% from fiscal 2024.
  • Columbia Financial (CLBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CLBK traded at $10.67, a market capitalization of $2.9 billion.
  • Columbia Financial pays an annual dividend of $0.05 per share, a yield of 0.47%, with a payout ratio of 14.8%.
  • Return on equity was 4.62% and debt-to-equity 1.02.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Oct 9, 2026.

Columbia Financial (CLBK) Latest News

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stockrow.com/CLBK · Data as of Oct 9, 2026 · For information only; not investment advice. · © 2026 stockrow.com