Columbia Financial, Inc. (CLBK) 10-Year Financial Performance & Capital Metrics

CLBK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

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 $170M -15.1%
Total Revenue $453M +7.3%
Net Income -$12M -132.3%
Return on Equity -1.1% -131.9%
Net Interest Margin 1.63% -13.7%
Efficiency Ratio 40% -7.4%
ROA -0.11% -132.2%
Equity / Assets 10.31% +5.5%
Book Value per Share 10.61 +4.9%
Tangible BV/Share 9.42 +5.7%
Debt/Equity 1.02 -30.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 40.0% efficiency ratio
✓Well capitalized: 10.3% equity/assets
✓Trading at only 1.5x book value

✗Weaknesses

✗Weak 3Y average ROE of 3.5%
✗Weak NIM of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y9.19%

3Y13.63%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-58.76%

EPS CAGR

10Y-

5Y-

3Y-

TTM-2.19%

ROCE

10Y Avg3.66%

5Y Avg3.75%

3Y Avg2.5%

Latest-0.61%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	123.5M	137.94M	161.27M	168.77M	217.91M	231.1M	265.06M	200.68M	170.38M
NII Growth %	-	0.12%	0.17%	0.05%	0.29%	0.06%	0.15%	-0.24%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	167.25M	182.08M	222.35M	256.89M	291.64M	267.68M	307.95M	389.79M	443.82M
Interest Expense	43.76M	44.14M	61.08M	88.12M	73.72M	37.02M	42.89M	189.1M	273.44M
Loan Loss Provision	417K	6.43M	6.68M	4.22M	18.45M	-9.95M	5.49M	4.79M	14.45M
Non-Interest Income+	20.44M	19.01M	24.45M	35.23M	34.58M	41.3M	32.12M	32.57M	9.5M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	187.7M	201.09M	246.8M	292.13M	326.21M	308.98M	340.07M	422.36M	453.32M
Revenue Growth %	-	0.07%	0.23%	0.18%	0.12%	-0.05%	0.1%	0.24%	0.07%
Non-Interest Expense	93.77M	103.45M	145.39M	128.7M	158.14M	155.74M	174.82M	182.42M	181.34M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	49.76M	47.08M	33.66M	71.08M	76.26M	126.18M	116.88M	46.05M	-15.91M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.05%	-0.29%	1.11%	0.07%	0.65%	-0.07%	-0.61%	-1.35%
Pretax Income+	49.76M	47.08M	33.66M	71.08M	76.26M	126.18M	116.88M	46.05M	-15.91M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	16.8M	16.01M	10.92M	16.36M	18.65M	34.13M	30.7M	9.96M	-4.26M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.06%	-0.27%	1.41%	0.05%	0.6%	-0.06%	-0.58%	-1.32%
Net Income (Continuing)	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
EPS (Diluted)+	0.28	0.27	0.20	0.49	0.52	0.88	0.81	0.35	-0.11
EPS Growth %	-	-0.04%	-0.26%	1.45%	0.06%	0.69%	-0.08%	-0.57%	-1.31%
EPS (Basic)	0.28	0.27	0.20	0.49	0.52	0.88	0.82	0.35	-0.11
Diluted Shares Outstanding	115.89M	115.89M	111.4M	111.1M	109.76M	104.16M	106.19M	102.89M	101.84M

Balance Sheet

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	45.69M	65.5M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M	289.11M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	4.7B	5.35B	6.22B	7.52B	7.7B	8.43B	9.38B	9.32B	9.28B
Investments Growth %	-	0.14%	0.16%	0.21%	0.02%	0.1%	0.11%	-0.01%	-0%
Long-Term Investments	3.93B	4.64B	5.19B	6.42B	6.38B	6.73B	8.05B	8.22B	9.13B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	5.72M	5.72M	5.72M	60.76M	80.28M	85.32M	110.72M	110.72M	110.72M
Intangible Assets	408K	281K	369K	7.82M	7.1M	6.37M	14.43M	12.63M	10.29M
PP&E (Net)	37.86M	42.62M	52.05M	72.97M	75.97M	78.71M	83.88M	83.58M	81.77M
Other Assets	216.03M	285.81M	350.57M	426.7M	486.44M	520.23M	607.72M	657.82M	660.68M
Total Current Assets	830.63M	791.98M	1.09B	1.2B	1.77B	1.8B	1.54B	1.56B	479.28M
Total Non-Current Assets	4.21B	4.97B	5.6B	6.99B	7.03B	7.42B	8.87B	9.09B	10B
Total Assets+	5.04B	5.77B	6.69B	8.19B	8.8B	9.22B	10.41B	10.65B	10.48B
Asset Growth %	-	0.14%	0.16%	0.22%	0.07%	0.05%	0.13%	0.02%	-0.02%
Return on Assets (ROA)	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt+	681.99M	929.06M	1.19B	1.41B	799.36M	377.31M	1.13B	1.53B	1.1B
Net Debt	636.3M	863.56M	1.15B	1.33B	376.41M	306.35M	947.82M	1.11B	791.38M
Long-Term Debt	504.59M	929.06M	1.03B	1.3B	799.36M	377.31M	1.13B	1.53B	584.48M
Short-Term Debt	177.4M	0	159.6M	107.8M	0	0	0	0	500.79M
Other Liabilities	29.17M	25.56M	32.03M	35.51M	32.57M	36.47M	45.46M	229.98M	8.81B
Total Current Liabilities	4.06B	4.34B	4.66B	5.87B	6.96B	7.73B	8.18B	7.85B	8.1B
Total Non-Current Liabilities	533.76M	954.62M	1.06B	1.33B	831.93M	413.78M	1.17B	1.76B	9.4B
Total Liabilities	4.6B	5.29B	5.72B	7.21B	7.79B	8.15B	9.35B	9.61B	9.4B
Total Equity+	439.66M	472.07M	972.06M	982.52M	1.01B	1.08B	1.05B	1.04B	1.08B
Equity Growth %	-	0.07%	1.06%	0.01%	0.03%	0.07%	-0.02%	-0.01%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.07%	0.03%	0.06%	0.06%	0.09%	0.08%	0.03%	-0.01%
Book Value per Share	3.79	4.07	8.73	8.84	9.21	10.36	9.92	10.11	10.61
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	1.16M	1.17M	1.22M	1.25M	1.31M	1.31M	1.31M
Additional Paid-in Capital	0	0	527.04M	531.67M	609.53M	667.91M	781.16M	791.45M	799.48M
Retained Earnings	491.02M	537.48M	560.22M	615.48M	673.08M	765.13M	857.52M	893.6M	881.95M
Accumulated OCI	-51.36M	-65.41M	-71.9M	-68.73M	-69.63M	-45.92M	-179.3M	-158.74M	-110.37M
Treasury Stock	0	0	0	-54.95M	-163.01M	-271.65M	-371.71M	-454.13M	-460.98M
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	58.99M	36.04M	56.59M	21.82M	49.04M	98.7M	142.16M	40.72M	33.32M
Operating CF Growth %	-	-0.39%	0.57%	-0.61%	1.25%	1.01%	0.44%	-0.71%	-0.18%
Net Income	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
Depreciation & Amortization	3.28M	3.47M	3.75M	4.99M	10.36M	11.64M	13.35M	14.27M	14.56M
Deferred Taxes	2.93M	-1.43M	-5.49M	7.53M	9.74M	17.71M	12.77M	3.38M	-5.99M
Other Non-Cash Items	16.93M	6.3M	39.67M	-2.96M	8.37M	-17.42M	7.18M	11.11M	47M
Working Capital Changes	2.9M	-3.37M	-6.67M	-49.72M	-48.98M	-18.21M	10.39M	-36.2M	-20.9M
Cash from Investing+	-290.57M	-330.32M	-943.15M	-521.01M	257.64M	-443.61M	-614.73M	39.65M	39.47M
Purchase of Investments	-357.48M	-193.27M	-445.44M	-278M	-305.62M	-870.88M	-170.48M	-124.62M	-446.25M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	155.25M	20.42M	140.77M	0	0
Other Investing	-190.59M	-387.07M	-574.74M	-485.75M	95.34M	-83.73M	-1.02B	-226.2M	-35.72M
Cash from Financing+	234.1M	349.56M	863.26M	532.54M	40.72M	-7.09M	580.83M	163.66M	-206.81M
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-56.05M	-108.36M	-108.13M	-98.61M	-81.12M	-6.71M
Stock Issued	0	0	492.43M	14K	0	0	0	10K	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	254.7M	298.56M	163.14M	453.49M	795.63M	584.86M	-64.53M	-156.58M	251.44M
Net Change in Cash+	2.52M	55.28M	-23.3M	33.35M	347.41M	-351.99M	108.27M	244.02M	-134.03M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	43.18M	45.69M	65.5M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M
Cash at End	45.69M	100.97M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M	289.22M
Interest Paid	44.55M	44.4M	61.99M	87.37M	75.56M	37.91M	41.08M	183.57M	274.38M
Income Taxes Paid	8.04M	27.78M	21.32M	0	10.53M	16.26M	15.73M	9.25M	940K
Free Cash Flow+	55.33M	29.51M	43.32M	2.48M	44.42M	93.21M	134.95M	33.08M	25.88M
FCF Growth %	-	-0.47%	0.47%	-0.94%	16.91%	1.1%	0.45%	-0.75%	-0.22%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.5%	6.82%	3.15%	5.6%	5.78%	8.81%	8.08%	3.45%	-1.1%
Return on Assets (ROA)	0.65%	0.58%	0.36%	0.74%	0.68%	1.02%	0.88%	0.34%	-0.11%
Net Interest Margin	2.45%	2.39%	2.41%	2.06%	2.48%	2.51%	2.55%	1.89%	1.63%
Efficiency Ratio	49.96%	51.44%	58.91%	44.06%	48.48%	50.4%	51.41%	43.19%	40%
Equity / Assets	8.73%	8.19%	14.53%	12%	11.49%	11.7%	10.12%	9.77%	10.31%
Book Value / Share	3.79	4.07	8.73	8.84	9.21	10.36	9.92	10.11	10.61
NII Growth	-	11.7%	16.91%	4.65%	29.11%	6.05%	14.69%	-24.29%	-15.1%

Revenue by Segment

	2018	2019	2020	2021	2022	2024
Deposit Account, Title Insurance And Other Non-Interest Income	-	14.3M	15.14M	17.49M	17.52M	15.24M
Deposit Account, Title Insurance And Other Non-Interest Income Growth	-	-	5.84%	15.54%	0.18%	-13.01%
Deposit Account	3.99M	4.48M	3.63M	3.8M	5.29M	6.51M
Deposit Account Growth	-	12.32%	-18.87%	4.68%	39.18%	22.94%
Other Non-Interest Income	-	4.84M	6.47M	7.6M	8.67M	5.96M
Other Non-Interest Income Growth	-	-	33.61%	17.43%	14.03%	-31.20%
Title Insurance	-	4.98M	5.03M	6.09M	3.42M	2.5M
Title Insurance Growth	-	-	1.06%	20.94%	-43.77%	-26.82%
Insurance Agency Income	-	-	-	-	141K	269K
Insurance Agency Income Growth	-	-	-	-	-	90.78%
Bank Servicing	2.52M	-	-	-	-	-
Bank Servicing Growth	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Columbia Financial, Inc. (CLBK) grew revenue by 7.3% over the past year. This is steady growth.

Yes, Columbia Financial, Inc. (CLBK) is profitable, generating $6.7M in net income for fiscal year 2024 (-2.6% net margin).

Dividend & Returns

Columbia Financial, Inc. (CLBK) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Columbia Financial, Inc. (CLBK) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.

Columbia Financial, Inc. (CLBK) has an efficiency ratio of 40.0%. This is excellent, indicating strong cost control.

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Columbia Financial, Inc. (CLBK) 10-Year Financial Performance & Capital Metrics

CLBK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $170M -15.1%
Total Revenue $453M +7.3%
Net Income -$12M -132.3%
Return on Equity -1.1% -131.9%
Net Interest Margin 1.63% -13.7%
Efficiency Ratio 40% -7.4%
ROA -0.11% -132.2%
Equity / Assets 10.31% +5.5%
Book Value per Share 10.61 +4.9%
Tangible BV/Share 9.42 +5.7%
Debt/Equity 1.02 -30.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 40.0% efficiency ratio
✓Well capitalized: 10.3% equity/assets
✓Trading at only 1.5x book value

✗Weaknesses

✗Weak 3Y average ROE of 3.5%
✗Weak NIM of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y9.19%

3Y13.63%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-58.76%

EPS CAGR

10Y-

5Y-

3Y-

TTM-2.19%

ROCE

10Y Avg3.66%

5Y Avg3.75%

3Y Avg2.5%

Latest-0.61%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	123.5M	137.94M	161.27M	168.77M	217.91M	231.1M	265.06M	200.68M	170.38M
NII Growth %	-	0.12%	0.17%	0.05%	0.29%	0.06%	0.15%	-0.24%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	167.25M	182.08M	222.35M	256.89M	291.64M	267.68M	307.95M	389.79M	443.82M
Interest Expense	43.76M	44.14M	61.08M	88.12M	73.72M	37.02M	42.89M	189.1M	273.44M
Loan Loss Provision	417K	6.43M	6.68M	4.22M	18.45M	-9.95M	5.49M	4.79M	14.45M
Non-Interest Income+	20.44M	19.01M	24.45M	35.23M	34.58M	41.3M	32.12M	32.57M	9.5M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	187.7M	201.09M	246.8M	292.13M	326.21M	308.98M	340.07M	422.36M	453.32M
Revenue Growth %	-	0.07%	0.23%	0.18%	0.12%	-0.05%	0.1%	0.24%	0.07%
Non-Interest Expense	93.77M	103.45M	145.39M	128.7M	158.14M	155.74M	174.82M	182.42M	181.34M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	49.76M	47.08M	33.66M	71.08M	76.26M	126.18M	116.88M	46.05M	-15.91M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.05%	-0.29%	1.11%	0.07%	0.65%	-0.07%	-0.61%	-1.35%
Pretax Income+	49.76M	47.08M	33.66M	71.08M	76.26M	126.18M	116.88M	46.05M	-15.91M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	16.8M	16.01M	10.92M	16.36M	18.65M	34.13M	30.7M	9.96M	-4.26M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.06%	-0.27%	1.41%	0.05%	0.6%	-0.06%	-0.58%	-1.32%
Net Income (Continuing)	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
EPS (Diluted)+	0.28	0.27	0.20	0.49	0.52	0.88	0.81	0.35	-0.11
EPS Growth %	-	-0.04%	-0.26%	1.45%	0.06%	0.69%	-0.08%	-0.57%	-1.31%
EPS (Basic)	0.28	0.27	0.20	0.49	0.52	0.88	0.82	0.35	-0.11
Diluted Shares Outstanding	115.89M	115.89M	111.4M	111.1M	109.76M	104.16M	106.19M	102.89M	101.84M

Balance Sheet

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	45.69M	65.5M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M	289.11M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	4.7B	5.35B	6.22B	7.52B	7.7B	8.43B	9.38B	9.32B	9.28B
Investments Growth %	-	0.14%	0.16%	0.21%	0.02%	0.1%	0.11%	-0.01%	-0%
Long-Term Investments	3.93B	4.64B	5.19B	6.42B	6.38B	6.73B	8.05B	8.22B	9.13B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	5.72M	5.72M	5.72M	60.76M	80.28M	85.32M	110.72M	110.72M	110.72M
Intangible Assets	408K	281K	369K	7.82M	7.1M	6.37M	14.43M	12.63M	10.29M
PP&E (Net)	37.86M	42.62M	52.05M	72.97M	75.97M	78.71M	83.88M	83.58M	81.77M
Other Assets	216.03M	285.81M	350.57M	426.7M	486.44M	520.23M	607.72M	657.82M	660.68M
Total Current Assets	830.63M	791.98M	1.09B	1.2B	1.77B	1.8B	1.54B	1.56B	479.28M
Total Non-Current Assets	4.21B	4.97B	5.6B	6.99B	7.03B	7.42B	8.87B	9.09B	10B
Total Assets+	5.04B	5.77B	6.69B	8.19B	8.8B	9.22B	10.41B	10.65B	10.48B
Asset Growth %	-	0.14%	0.16%	0.22%	0.07%	0.05%	0.13%	0.02%	-0.02%
Return on Assets (ROA)	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt+	681.99M	929.06M	1.19B	1.41B	799.36M	377.31M	1.13B	1.53B	1.1B
Net Debt	636.3M	863.56M	1.15B	1.33B	376.41M	306.35M	947.82M	1.11B	791.38M
Long-Term Debt	504.59M	929.06M	1.03B	1.3B	799.36M	377.31M	1.13B	1.53B	584.48M
Short-Term Debt	177.4M	0	159.6M	107.8M	0	0	0	0	500.79M
Other Liabilities	29.17M	25.56M	32.03M	35.51M	32.57M	36.47M	45.46M	229.98M	8.81B
Total Current Liabilities	4.06B	4.34B	4.66B	5.87B	6.96B	7.73B	8.18B	7.85B	8.1B
Total Non-Current Liabilities	533.76M	954.62M	1.06B	1.33B	831.93M	413.78M	1.17B	1.76B	9.4B
Total Liabilities	4.6B	5.29B	5.72B	7.21B	7.79B	8.15B	9.35B	9.61B	9.4B
Total Equity+	439.66M	472.07M	972.06M	982.52M	1.01B	1.08B	1.05B	1.04B	1.08B
Equity Growth %	-	0.07%	1.06%	0.01%	0.03%	0.07%	-0.02%	-0.01%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.07%	0.03%	0.06%	0.06%	0.09%	0.08%	0.03%	-0.01%
Book Value per Share	3.79	4.07	8.73	8.84	9.21	10.36	9.92	10.11	10.61
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	1.16M	1.17M	1.22M	1.25M	1.31M	1.31M	1.31M
Additional Paid-in Capital	0	0	527.04M	531.67M	609.53M	667.91M	781.16M	791.45M	799.48M
Retained Earnings	491.02M	537.48M	560.22M	615.48M	673.08M	765.13M	857.52M	893.6M	881.95M
Accumulated OCI	-51.36M	-65.41M	-71.9M	-68.73M	-69.63M	-45.92M	-179.3M	-158.74M	-110.37M
Treasury Stock	0	0	0	-54.95M	-163.01M	-271.65M	-371.71M	-454.13M	-460.98M
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	58.99M	36.04M	56.59M	21.82M	49.04M	98.7M	142.16M	40.72M	33.32M
Operating CF Growth %	-	-0.39%	0.57%	-0.61%	1.25%	1.01%	0.44%	-0.71%	-0.18%
Net Income	32.95M	31.07M	22.74M	54.72M	57.6M	92.05M	86.17M	36.09M	-11.65M
Depreciation & Amortization	3.28M	3.47M	3.75M	4.99M	10.36M	11.64M	13.35M	14.27M	14.56M
Deferred Taxes	2.93M	-1.43M	-5.49M	7.53M	9.74M	17.71M	12.77M	3.38M	-5.99M
Other Non-Cash Items	16.93M	6.3M	39.67M	-2.96M	8.37M	-17.42M	7.18M	11.11M	47M
Working Capital Changes	2.9M	-3.37M	-6.67M	-49.72M	-48.98M	-18.21M	10.39M	-36.2M	-20.9M
Cash from Investing+	-290.57M	-330.32M	-943.15M	-521.01M	257.64M	-443.61M	-614.73M	39.65M	39.47M
Purchase of Investments	-357.48M	-193.27M	-445.44M	-278M	-305.62M	-870.88M	-170.48M	-124.62M	-446.25M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	155.25M	20.42M	140.77M	0	0
Other Investing	-190.59M	-387.07M	-574.74M	-485.75M	95.34M	-83.73M	-1.02B	-226.2M	-35.72M
Cash from Financing+	234.1M	349.56M	863.26M	532.54M	40.72M	-7.09M	580.83M	163.66M	-206.81M
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-56.05M	-108.36M	-108.13M	-98.61M	-81.12M	-6.71M
Stock Issued	0	0	492.43M	14K	0	0	0	10K	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	254.7M	298.56M	163.14M	453.49M	795.63M	584.86M	-64.53M	-156.58M	251.44M
Net Change in Cash+	2.52M	55.28M	-23.3M	33.35M	347.41M	-351.99M	108.27M	244.02M	-134.03M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	43.18M	45.69M	65.5M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M
Cash at End	45.69M	100.97M	42.2M	75.55M	422.96M	70.96M	179.23M	423.25M	289.22M
Interest Paid	44.55M	44.4M	61.99M	87.37M	75.56M	37.91M	41.08M	183.57M	274.38M
Income Taxes Paid	8.04M	27.78M	21.32M	0	10.53M	16.26M	15.73M	9.25M	940K
Free Cash Flow+	55.33M	29.51M	43.32M	2.48M	44.42M	93.21M	134.95M	33.08M	25.88M
FCF Growth %	-	-0.47%	0.47%	-0.94%	16.91%	1.1%	0.45%	-0.75%	-0.22%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.5%	6.82%	3.15%	5.6%	5.78%	8.81%	8.08%	3.45%	-1.1%
Return on Assets (ROA)	0.65%	0.58%	0.36%	0.74%	0.68%	1.02%	0.88%	0.34%	-0.11%
Net Interest Margin	2.45%	2.39%	2.41%	2.06%	2.48%	2.51%	2.55%	1.89%	1.63%
Efficiency Ratio	49.96%	51.44%	58.91%	44.06%	48.48%	50.4%	51.41%	43.19%	40%
Equity / Assets	8.73%	8.19%	14.53%	12%	11.49%	11.7%	10.12%	9.77%	10.31%
Book Value / Share	3.79	4.07	8.73	8.84	9.21	10.36	9.92	10.11	10.61
NII Growth	-	11.7%	16.91%	4.65%	29.11%	6.05%	14.69%	-24.29%	-15.1%

Revenue by Segment

	2018	2019	2020	2021	2022	2024
Deposit Account, Title Insurance And Other Non-Interest Income	-	14.3M	15.14M	17.49M	17.52M	15.24M
Deposit Account, Title Insurance And Other Non-Interest Income Growth	-	-	5.84%	15.54%	0.18%	-13.01%
Deposit Account	3.99M	4.48M	3.63M	3.8M	5.29M	6.51M
Deposit Account Growth	-	12.32%	-18.87%	4.68%	39.18%	22.94%
Other Non-Interest Income	-	4.84M	6.47M	7.6M	8.67M	5.96M
Other Non-Interest Income Growth	-	-	33.61%	17.43%	14.03%	-31.20%
Title Insurance	-	4.98M	5.03M	6.09M	3.42M	2.5M
Title Insurance Growth	-	-	1.06%	20.94%	-43.77%	-26.82%
Insurance Agency Income	-	-	-	-	141K	269K
Insurance Agency Income Growth	-	-	-	-	-	90.78%
Bank Servicing	2.52M	-	-	-	-	-
Bank Servicing Growth	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Columbia Financial, Inc. (CLBK) grew revenue by 7.3% over the past year. This is steady growth.

Yes, Columbia Financial, Inc. (CLBK) is profitable, generating $6.7M in net income for fiscal year 2024 (-2.6% net margin).

Dividend & Returns

Columbia Financial, Inc. (CLBK) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Columbia Financial, Inc. (CLBK) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.

Columbia Financial, Inc. (CLBK) has an efficiency ratio of 40.0%. This is excellent, indicating strong cost control.