Columbia Financial, Inc. (CLBK) Earnings History
Earnings Pressure10 years of earnings data (2016–2025) · 5-year EPS trend is negative
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Columbia Financial, Inc. (CLBK) Earnings Overview
As of November 8, 2026, Columbia Financial, Inc. (CLBK) reported trailing twelve-month net income of $49M, reflecting +563.6% year-over-year growth. The company earned $0.19 per diluted share over the past four quarters, with a net profit margin of 19.0%.
Looking at the long-term picture, CLBK's 5-year EPS compound annual growth rate (CAGR) stands at -0.4%, signaling declining earnings. The company achieved its highest annual net income of $92M in fiscal 2021.
Columbia Financial, Inc. maintains industry-leading profitability with a gross margin of 93.7%, operating margin of 22.1%, and net margin of 19.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), KRNY ($37M net income, 20.4% margin), OCFC ($47M net income, 19.0% margin), CLBK has room to improve margins relative to the peer group. Compare CLBK vs NBTB →
CLBK Earnings vs Peers
Earnings metrics vs comparable public companies
CLBK Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $52M | +544.2% | $60M | $0.23 | 19.0% | 22.1% |
| 2024 | -$12M | -132.3% | -$16M | $-0.05 | -6.5% | -8.8% |
| 2023 | $36M | -58.1% | $46M | $0.16 | 15.5% | 19.7% |
| 2022 | $86M | -6.4% | $117M | $0.37 | 29.0% | 39.3% |
| 2021 | $92M | +59.8% | $126M | $0.40 | 33.8% | 46.3% |
| 2020 | $58M | +5.3% | $76M | $0.24 | 22.8% | 30.2% |
| 2019 | $55M | +140.7% | $71M | $0.22 | 26.8% | 34.8% |
| 2018 | $23M | -26.8% | $34M | $0.09 | 12.2% | 18.1% |
| 2017 | $31M | -5.7% | $47M | $0.12 | 19.8% | 30.0% |
| 2016 | $33M | - | $50M | $0.13 | 22.9% | 34.6% |
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CLBK — Frequently Asked Questions
Quick answers to the most common questions about buying CLBK stock.
What is CLBK earnings per share (EPS)?
CLBK trailing twelve-month (TTM) diluted EPS is $0.19, reflecting +563.6% year-over-year growth. The 5-year EPS CAGR is -0.4%. Complete EPS history from 2016 to 2025 is available in the table on this page.
What is Columbia Financial, Inc.'s net income?
Columbia Financial, Inc. (CLBK) trailing twelve-month net income is $49M as of 2025. Earnings grew +563.6% year-over-year.
Is CLBK profitable?
Yes, CLBK is profitable with a TTM net income of $49M and a net profit margin of +19.0%.
What is CLBK's earnings growth rate?
CLBK compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: -14.3%, 5-Year: -0.4%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2016 to 2025.
What are CLBK's profit margins?
Columbia Financial, Inc. net profit margin is +19.0%, operating margin is +22.1%, and gross margin is +93.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +4.6%.
Is CLBK growing earnings?
Yes, CLBK earnings are accelerating — EPS growth of +563.6% exceeds the 5-year CAGR of -0.4%. TTM net income reached $49M. Earnings momentum is strengthening.
What was CLBK's best earnings year?
Columbia Financial, Inc.'s highest annual net income on record is $92M, achieved in fiscal year 2021. Earnings history on this page spans 2016 to 2025 and includes all annual and quarterly figures.
What were CLBK's earnings last quarter?
CLBK's most recent reported quarter was Q3 2026. Net income was $5M with diluted EPS of $0.02. For a full breakdown of all quarters, see the quarterly earnings table on this page.