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Columbia Financial, Inc.(CLBK)Earnings, Financials & Key Ratios
CLBK•NASDAQ•Banking & Credit
39.3× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutColumbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.Show more
- Net Interest Income$233M+36.6%
- Total Revenue$507M+11.9%
- Net Income$52M+544.2%
- Return on Equity4.62%+520.4%
- Net Interest Margin2.11%+29.9%
- Efficiency Ratio38.4%-4.0%
- ROA0.48%+536.7%
- Equity / Assets10.53%+2.1%
- Book Value per Share11.44+7.9%
CLBK Key Insights
Columbia Financial, Inc. (CLBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 38.4% efficiency ratio
- ✓Well capitalized: 10.5% equity/assets
✗Weaknesses
- ✗Weak 3Y average ROE of 3.5%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CLBK Price & Volume
Columbia Financial, Inc. (CLBK) stock price & volume — 10-year historical chart
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CLBK Growth Metrics
Columbia Financial, Inc. (CLBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years9.24%
3 Years14.27%
TTM-
Profit CAGR
10 Years-
5 Years-2.11%
3 Years-15.62%
TTM544.23%
EPS CAGR
10 Years-
5 Years-0.39%
3 Years-14.29%
TTM525.31%
Return on Capital
10 Years3.45%
5 Years3.3%
3 Years0.88%
Last Year1.43%
CLBK Recent Earnings
Columbia Financial, Inc. (CLBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.15-6.3%
$0.16
Rev
$67M+8.9%
$62M
Q1 2026
Feb 2, 2026Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$69M+12.9%
$61M
Q4 2025
Oct 20, 2025Metric
Actual
Est
EPS
$0.15+15.4%
$0.13
Rev
$81M+36.1%
$59M
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.12+9.1%
$0.11
Rev
$64M+15.3%
$55M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.15vs $0.16-6.3% | $67Mvs $62M+8.9% |
| Q1 2026 | Feb 2, 2026 | $0.15vs $0.15+0.0% | $69Mvs $61M+12.9% |
| Q4 2025 | Oct 20, 2025 | $0.15vs $0.13+15.4% | $81Mvs $59M+36.1% |
| Q3 2025 | Jul 30, 2025 | $0.12vs $0.11+9.1% | $64Mvs $55M+15.3% |
Based on last 12 quarters of dataView full earnings history →
CLBK Peer Comparison
Columbia Financial, Inc. (CLBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 OCFC | 1.03B | 18.03 | 15.41 | -4.7% | 10.75% | 4.26% | 0.98 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 WSFS | 3.91B | 74.14 | 14.57 | -3.05% | 21.14% | 10.65% | 0.11 | |
 TRMK | 2.63B | 44.67 | 12.07 | 34.75% | 19.32% | 10.77% | 0.53 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 DCOM | 1.72B | 39.00 | 16.46 | 13.03% | 15.15% | 7.67% | 0.25 |
Compare CLBK vs Peers
Columbia Financial, Inc. (CLBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CLBK Income Statement
Columbia Financial, Inc. (CLBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 137.94M | 161.27M | 168.77M | 217.91M | 231.1M | 265.06M | 200.68M | 170.38M | 232.73M |
NII Growth % | 11.7% | 16.91% | 4.65% | 29.11% | 6.05% | 14.69% | -24.29% | -15.1% | 36.59% |
Net Interest Margin % | 2.39% | 2.41% | 2.06% | 2.48% | 2.51% | 2.55% | 1.89% | 1.63% | 2.11% |
Interest Income | 182.08M | 222.35M | 256.89M | 291.64M | 267.68M | 307.95M | 389.79M | 443.82M | 468.13M |
Interest Expense | 44.14M | 61.08M | 88.12M | 73.72M | 37.02M | 42.89M | 189.1M | 273.44M | 235.4M |
Loan Loss Provision | 6.43M | 6.68M | 4.22M | 18.45M | -9.95M | 5.49M | 4.79M | 14.45M | 17.04M |
Non-Interest Income | 19.01M | 24.45M | 35.23M | 34.58M | 41.3M | 32.12M | 32.57M | 9.5M | 39.31M |
Non-Interest Income % | 9.45% | 9.91% | 12.06% | 10.6% | 13.37% | 9.45% | 7.71% | 2.09% | 7.75% |
Total Revenue | 201.09M▲ 0% | 246.8M▲ 22.7% | 292.13M▲ 18.4% | 326.21M▲ 11.7% | 308.98M▼ 5.3% | 340.07M▲ 10.1% | 422.36M▲ 24.2% | 453.32M▲ 7.3% | 507.44M▲ 11.9% |
Revenue Growth % | 7.13% | 22.73% | 18.36% | 11.67% | -5.28% | 10.06% | 24.2% | 7.33% | 11.94% |
Non-Interest Expense | 103.45M | 145.39M | 128.7M | 158.14M | 155.74M | 174.82M | 182.42M | 181.34M | 194.84M |
Efficiency Ratio | 51.44% | 58.91% | 44.06% | 48.48% | 50.4% | 51.41% | 43.19% | 40% | 38.4% |
Operating Income | 47.08M▲ 0% | 33.66M▼ 28.5% | 71.08M▲ 111.2% | 76.26M▲ 7.3% | 126.18M▲ 65.5% | 116.88M▼ 7.4% | 46.05M▼ 60.6% | -15.91M▼ 134.5% | 60.16M▲ 478.1% |
Operating Margin % | 23.41% | 13.64% | 24.33% | 23.38% | 40.84% | 34.37% | 10.9% | -3.51% | 11.86% |
Operating Income Growth % | -5.38% | -28.51% | 111.18% | 7.28% | 65.47% | -7.37% | -60.6% | -134.55% | 478.11% |
Pretax Income | 47.08M▲ 0% | 33.66M▼ 28.5% | 71.08M▲ 111.2% | 76.26M▲ 7.3% | 126.18M▲ 65.5% | 116.88M▼ 7.4% | 46.05M▼ 60.6% | -15.91M▼ 134.5% | 60.16M▲ 478.1% |
Pretax Margin % | 23.41% | 13.64% | 24.33% | 23.38% | 40.84% | 34.37% | 10.9% | -3.51% | 11.86% |
Income Tax | 16.01M | 10.92M | 16.36M | 18.65M | 34.13M | 30.7M | 9.96M | -4.26M | 8.39M |
Effective Tax Rate % | 34% | 32.45% | 23.02% | 24.46% | 27.05% | 26.27% | 21.64% | 26.76% | 13.95% |
Net Income | 31.07M▲ 0% | 22.74M▼ 26.8% | 54.72M▲ 140.7% | 57.6M▲ 5.3% | 92.05M▲ 59.8% | 86.17M▼ 6.4% | 36.09M▼ 58.1% | -11.65M▼ 132.3% | 51.77M▲ 544.2% |
Net Margin % | 15.45% | 9.21% | 18.73% | 17.66% | 29.79% | 25.34% | 8.54% | -2.57% | 10.2% |
Net Income Growth % | -5.71% | -26.83% | 140.66% | 5.27% | 59.8% | -6.38% | -58.12% | -132.29% | 544.23% |
Net Income (Continuing) | 31.07M | 22.74M | 54.72M | 57.6M | 92.05M | 86.17M | 36.09M | -11.65M | 51.77M |
EPS (Diluted) | 0.27▲ 0% | 0.20▼ 25.9% | 0.49▲ 145.0% | 0.52▲ 6.1% | 0.88▲ 69.2% | 0.81▼ 8.0% | 0.35▼ 56.8% | -0.11▼ 131.4% | 0.51▲ 563.6% |
EPS Growth % | -3.57% | -25.93% | 145% | 6.12% | 69.23% | -7.95% | -56.79% | -131.43% | 563.64% |
EPS (Basic) | 0.27 | 0.20 | 0.49 | 0.52 | 0.88 | 0.82 | 0.35 | -0.11 | 0.51 |
Diluted Shares Outstanding | 115.89M | 111.4M | 111.1M | 109.76M | 104.16M | 106.19M | 102.89M | 101.84M | 101.43M |
CLBK Balance Sheet
Columbia Financial, Inc. (CLBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 776.07M | 1.08B | 1.17B | 1.74B | 1.77B | 1.51B | 1.52B | 1.06B | 340.69M |
Cash & Due from Banks | 65.5M | 42.2M | 75.55M | 422.96M | 70.96M | 179.23M | 423.25M | 289.22M | 340.69M |
Short Term Investments | 710.57M | 1.03B | 1.1B | 1.32B | 1.7B | 1.33B | 1.09B | 772.63M | 0 |
Total Investments | 5.35B | 6.22B | 7.52B | 7.7B | 8.43B | 9.38B | 9.32B | 9.28B | 9.81B |
Investments Growth % | 13.75% | 16.28% | 20.91% | 2.31% | 9.59% | 11.19% | -0.64% | -0.38% | 5.73% |
Long-Term Investments | 4.64B | 5.19B | 6.42B | 6.38B | 6.73B | 8.05B | 8.22B | 8.51B | 9.81B |
Accounts Receivables | 15.91M | 18.89M | 22.09M | 29.46M | 28.3M | 33.9M | 39.34M | 40.38M | 0 |
Goodwill & Intangibles | 6M | 6.08M | 68.58M | 87.38M | 91.69M | 125.14M | 123.35M | 121.01M | 120.3M |
Goodwill | 5.72M | 5.72M | 60.76M | 80.28M | 85.32M | 110.72M | 110.72M | 110.72M | 110.72M |
Intangible Assets | 281K | 369K | 7.82M | 7.1M | 6.37M | 14.43M | 12.63M | 10.29M | 9.59M |
PP&E (Net) | 42.62M | 52.05M | 72.97M | 75.97M | 78.71M | 83.88M | 83.58M | 81.77M | 82.98M |
Other Assets | 285.81M | 350.57M | 426.7M | 486.44M | 520.23M | 607.72M | 657.82M | 660.68M | 618.75M |
Total Current Assets | 791.98M | 1.09B | 1.2B | 1.77B | 1.8B | 1.54B | 1.56B | 1.1B | 382.19M |
Total Non-Current Assets | 4.97B | 5.6B | 6.99B | 7.03B | 7.42B | 8.87B | 9.09B | 9.37B | 10.64B |
Total Assets | 5.77B▲ 0% | 6.69B▲ 16.0% | 8.19B▲ 22.4% | 8.8B▲ 7.4% | 9.22B▲ 4.8% | 10.41B▲ 12.8% | 10.65B▲ 2.3% | 10.48B▼ 1.6% | 11.02B▲ 5.2% |
Asset Growth % | 14.47% | 16.04% | 22.37% | 7.45% | 4.84% | 12.84% | 2.28% | -1.6% | 5.19% |
Return on Assets (ROA) | 0.58% | 0.36% | 0.74% | 0.68% | 1.02% | 0.88% | 0.34% | -0.11% | 0.48% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 929.06M | 1.19B | 1.41B | 799.36M | 377.31M | 1.13B | 1.53B | 1.08B | 1.18B |
Net Debt | 863.56M | 1.15B | 1.33B | 376.41M | 306.35M | 947.82M | 1.11B | 791.38M | 842.78M |
Long-Term Debt | 873.06M | 1.03B | 1.3B | 799.36M | 377.31M | 1.13B | 1.53B | 1.08B | 1.17B |
Short-Term Debt | 56M | 159.6M | 107.8M | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 25.56M | 32.03M | 35.51M | 32.57M | 36.47M | 45.46M | 229.98M | 218.37M | 3.71B |
Total Current Liabilities | 4.4B | 4.66B | 5.87B | 6.96B | 7.73B | 8.18B | 7.85B | 8.1B | 4.97B |
Total Non-Current Liabilities | 898.62M | 1.06B | 1.33B | 831.93M | 413.78M | 1.17B | 1.76B | 1.3B | 4.89B |
Total Liabilities | 5.29B | 5.72B | 7.21B | 7.79B | 8.15B | 9.35B | 9.61B | 9.4B | 9.86B |
Total Equity | 472.07M▲ 0% | 972.06M▲ 105.9% | 982.52M▲ 1.1% | 1.01B▲ 2.9% | 1.08B▲ 6.7% | 1.05B▼ 2.4% | 1.04B▼ 1.3% | 1.08B▲ 3.8% | 1.16B▲ 7.4% |
Equity Growth % | 7.37% | 105.91% | 1.08% | 2.93% | 6.7% | -2.36% | -1.26% | 3.85% | 7.44% |
Equity / Assets (Capital Ratio) | 8.19% | 14.53% | 12% | 11.49% | 11.7% | 10.12% | 9.77% | 10.31% | 10.53% |
Return on Equity (ROE) | 6.82% | 3.15% | 5.6% | 5.78% | 8.81% | 8.08% | 3.45% | -1.1% | 4.62% |
Book Value per Share | 4.07 | 8.73 | 8.84 | 9.21 | 10.36 | 9.92 | 10.11 | 10.61 | 11.44 |
Tangible BV per Share | 4.02 | 8.67 | 8.23 | 8.42 | 9.48 | 8.74 | 8.91 | 9.42 | 10.26 |
Common Stock | 0 | 1.16M | 1.17M | 1.22M | 1.25M | 1.31M | 1.31M | 1.31M | 0 |
Additional Paid-in Capital | 0 | 527.04M | 531.67M | 609.53M | 667.91M | 781.16M | 791.45M | 799.48M | 0 |
Retained Earnings | 537.48M | 560.22M | 615.48M | 673.08M | 765.13M | 857.52M | 893.6M | 881.95M | 0 |
Accumulated OCI | -65.41M | -71.9M | -68.73M | -69.63M | -45.92M | -179.3M | -158.74M | -110.37M | 0 |
Treasury Stock | 0 | 0 | -54.95M | -163.01M | -271.65M | -371.71M | -454.13M | -460.98M | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CLBK Cash Flow Statement
Columbia Financial, Inc. (CLBK) cash flow — operating, investing & free cash flow history
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 36.04M | 56.59M | 21.82M | 49.04M | 98.7M | 142.16M | 40.72M | 33.32M | 68.4M |
Operating CF Growth % | -38.91% | 57.03% | -61.44% | 124.73% | 101.26% | 44.02% | -71.36% | -18.16% | 105.27% |
Net Income | 31.07M | 22.74M | 54.72M | 57.6M | 92.05M | 86.17M | 36.09M | -11.65M | 51.77M |
Depreciation & Amortization | 3.47M | 3.75M | 4.99M | 10.36M | 11.64M | 13.35M | 14.27M | 14.56M | 15.03M |
Deferred Taxes | -1.43M | -5.49M | 7.53M | 9.74M | 17.71M | 12.77M | 3.38M | -5.99M | 14.15M |
Other Non-Cash Items | 6.3M | 39.67M | -2.96M | 8.37M | -17.42M | 7.18M | 11.11M | 47M | 1.89M |
Working Capital Changes | -3.37M | -6.67M | -49.72M | -48.98M | -18.21M | 10.39M | -36.2M | -20.9M | -22.59M |
Cash from Investing | -330.32M | -943.15M | -521.01M | 257.64M | -443.61M | -614.73M | 39.65M | 39.47M | -454.16M |
Purchase of Investments | -193.27M | -445.44M | -278M | -305.62M | -870.88M | -170.48M | -124.62M | -446.25M | -305.51M |
Sale/Maturity of Investments | 256.55M | 90.31M | 262.08M | 317.31M | 496.08M | 439.88M | 398.1M | 528.88M | 261.88M |
Net Investment Activity | 63.28M | -355.13M | -15.92M | 11.69M | -374.8M | 269.4M | 273.48M | 82.63M | -43.63M |
Acquisitions | 0 | 0 | 0 | 155.25M | 20.42M | 140.77M | 0 | 0 | -1.4M |
Other Investing | -387.07M | -574.74M | -485.75M | 95.34M | -83.73M | -1.02B | -226.2M | -35.72M | -399.3M |
Cash from Financing | 349.56M | 863.26M | 532.54M | 40.72M | -7.09M | 580.83M | 163.66M | -206.81M | 437.35M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | -56.05M | -108.36M | -108.13M | -98.61M | -81.12M | -6.71M | -13.79M |
Stock Issued | 0 | 492.43M | 14K | 0 | 0 | 0 | 10K | 0 | -1K |
Net Stock Activity | 0 | 492.43M | -56.03M | -108.36M | -108.13M | -98.61M | -81.11M | -6.71M | -13.79M |
Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 298.56M | 163.14M | 453.49M | 795.63M | 584.86M | -64.53M | -156.58M | 251.44M | 347.83M |
Net Change in Cash | 55.28M▲ 0% | -23.3M▼ 142.1% | 33.35M▲ 243.1% | 347.41M▲ 941.8% | -351.99M▼ 201.3% | 108.27M▲ 130.8% | 244.02M▲ 125.4% | -134.03M▼ 154.9% | 51.58M▲ 138.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 45.69M | 65.5M | 42.2M | 75.55M | 422.96M | 70.96M | 179.23M | 423.25M | 289.22M |
Cash at End | 100.97M | 42.2M | 75.55M | 422.96M | 70.96M | 179.23M | 423.25M | 289.22M | 340.81M |
Interest Paid | 44.4M | 61.99M | 87.37M | 75.56M | 37.91M | 41.08M | 183.57M | 274.38M | 249.92M |
Income Taxes Paid | 27.78M | 21.32M | 0 | 10.53M | 16.26M | 15.73M | 9.25M | 940K | 2K |
Free Cash Flow | 29.51M▲ 0% | 43.32M▲ 46.8% | 2.48M▼ 94.3% | 44.42M▲ 1691.1% | 93.21M▲ 109.8% | 134.95M▲ 44.8% | 33.08M▼ 75.5% | 25.88M▼ 21.8% | 58.56M▲ 126.3% |
FCF Growth % | -46.66% | 46.78% | -94.28% | 1691.13% | 109.84% | 44.78% | -75.49% | -21.78% | 126.32% |
CLBK Banking Ratios
Columbia Financial, Inc. (CLBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.5% | 6.82% | 3.15% | 5.6% | 5.78% | 8.81% | 8.08% | 3.45% | -1.1% | 4.62% |
Return on Assets (ROA) | 0.65% | 0.58% | 0.36% | 0.74% | 0.68% | 1.02% | 0.88% | 0.34% | -0.11% | 0.48% |
Net Interest Margin | 2.45% | 2.39% | 2.41% | 2.06% | 2.48% | 2.51% | 2.55% | 1.89% | 1.63% | 2.11% |
Efficiency Ratio | 49.96% | 51.44% | 58.91% | 44.06% | 48.48% | 50.4% | 51.41% | 43.19% | 40% | 38.4% |
Equity / Assets | 8.73% | 8.19% | 14.53% | 12% | 11.49% | 11.7% | 10.12% | 9.77% | 10.31% | 10.53% |
Book Value / Share | 3.79 | 4.07 | 8.73 | 8.84 | 9.21 | 10.36 | 9.92 | 10.11 | 10.61 | 11.44 |
NII Growth | - | 11.7% | 16.91% | 4.65% | 29.11% | 6.05% | 14.69% | -24.29% | -15.1% | 36.59% |
Related:CLBK Dividend History·CLBK Revenue History·CLBK Price History·CLBK P/E History·CLBK Financial Ratios·CLBK Institutional Holders
CLBK SEC Filings & Documents
Columbia Financial, Inc. (CLBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
CLBK Frequently Asked Questions
Columbia Financial, Inc. (CLBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Columbia Financial, Inc. (CLBK) grew revenue by 11.9% over the past year. This is steady growth.
Yes, Columbia Financial, Inc. (CLBK) is profitable, generating $51.8M in net income for fiscal year 2025 (10.2% net margin).
Dividend & Returns
Columbia Financial, Inc. (CLBK) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.
Industry Metrics
Columbia Financial, Inc. (CLBK) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
Columbia Financial, Inc. (CLBK) has an efficiency ratio of 38.4%. This is excellent, indicating strong cost control.