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Columbia Financial, Inc. (CLBK) Total Return Calculator with Dividends Reinvested

Columbia Financial, Inc.

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The total return for Columbia Financial, Inc. (CLBK) stock is +27.16% over the past 12 months. So far it's up 25.10% this year. The 5-year total return is +5.87%, meaning $10,000 invested in CLBK stock 5 years ago would be worth $10,587 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in CLBK 1 year ago, it would be worth $12,616 today — you'd have gained $2,616.

With Dividends Reinvested$12,616+26.16%

Price Only (No DRIP)$12,616+26.16%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in CLBK

1Y$12,716+$2,716 (+27.2%)27.2% CAGR

3Y$12,248+$2,248 (+22.5%)7.0% CAGR

5Y$10,587+$587 (+5.9%)1.1% CAGR

10Y$12,510+$2,510 (+25.1%)2.3% CAGR

15Y$12,510+$2,510 (+25.1%)1.5% CAGR

20Y$12,510+$2,510 (+25.1%)1.1% CAGR

30Y$12,510+$2,510 (+25.1%)0.7% CAGR

Columbia Financial, Inc. did not pay dividends during this period. Total return = price return.

Loading CLBK total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+25.10%	—	+25.10%	—	$12,510
1Y	+27.16%	27.16%	+27.16%	—	$12,716
3Y	+22.48%	6.99%	+22.48%	—	$12,248
5Y	+5.87%	1.15%	+5.87%	—	$10,587
10Y	+25.10%	2.26%	+25.10%	—	$12,510
15Y	+25.10%	1.50%	+25.10%	—	$12,510
20Y	+25.10%	1.13%	+25.10%	—	$12,510
30Y	+25.10%	0.75%	+25.10%	—	$12,510

Risk & Highlights

Best Year+33.63%2021

Worst Year-18.51%2024

Max Drawdown-13.38%2025-09-18 → 2025-10-17 · Recovered 2025-11-25

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+16.08%	+16.08%	—	+0.41%	+15.7pp
2025	-0.26%	-0.26%	—	+16.64%	-16.9pp
2024	-18.51%	-18.51%	—	+24.00%	-42.5pp
2023	-11.11%	-11.11%	—	+24.81%	-35.9pp
2022	+3.40%	+3.40%	—	-19.95%	+23.3pp

CLBK underperformed the S&P 500 by 4.16pp over the past year (+27.16% vs +31.32%).

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CLBK Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
CLBKColumbia Financial, Inc.	$2.0B	+8.7%	+25.1%	+27.2%	—	+22.5%	+5.9%	+25.1%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
KRNYKearny Financial Corp.	$510M	+4.8%	+13.4%	+35.4%	+8.6pp	+33.1%	-20.3%	-7.0%
OCFCOceanFirst Financial Corp.	$1.1B	+3.4%	+9.0%	+18.7%	+4.8pp	+56.8%	+2.3%	+45.4%
NFBKNorthfield Bancorp, Inc.	$587M	+2.2%	+26.3%	+30.1%	+5.8pp	+65.5%	-0.3%	+19.1%
WSFSWSFS Financial Corporation	$3.8B	+7.0%	+31.3%	+37.4%	+1.3pp	+135.5%	+43.1%	+128.7%
TRMKTrustmark Corporation	$2.6B	+4.2%	+15.5%	+33.0%	+2.8pp	+118.6%	+47.4%	+127.3%
FXNCFirst National Corporation	$249M	-0.4%	+12.8%	+44.4%	+3.3pp	+107.6%	+66.3%	+239.8%
DCOMDime Community Bancshares, Inc.	$1.6B	+8.1%	+26.2%	+45.8%	+3.8pp	+128.6%	+24.3%	+67.4%
FNFFidelity National Financial, Inc.	$13.8B	+10.1%	-4.6%	-17.1%	+3.1pp	+66.6%	+36.0%	+181.4%
ICEIntercontinental Exchange, Inc.	$86.9B	-7.8%	-3.8%	-11.3%	+1.1pp	+48.2%	+42.4%	+222.9%

Compare:CLBK vs NBTB CLBK vs KRNY CLBK vs OCFC CLBK vs NBTB vs KRNY

About CLBK Dividend Returns

Columbia Financial, Inc. (CLBK) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of CLBK over the past year?

Columbia Financial, Inc. (CLBK) delivered a return of 27.16% over the past year. Since CLBK does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in CLBK be worth today?

A $10,000 investment in Columbia Financial, Inc. one year ago would be worth $12,716 today, representing a gain of $2,716.

Q3Does CLBK pay dividends?

Columbia Financial, Inc. (CLBK) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For CLBK, the total return equals the price-only return.

Q4Did CLBK beat the S&P 500?

No, Columbia Financial, Inc. (CLBK) underperformed the S&P 500 by 4.16 percentage points over the past year. CLBK delivered a total return of 27.16%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed CLBK by 4.16pp during this period.

Q5What is CLBK's worst drawdown?

Columbia Financial, Inc. (CLBK) experienced a maximum drawdown of -13.38% over the past year, declining from its peak on 2025-09-18 to its trough on 2025-10-17. The stock recovered to its prior peak by 2025-11-25. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is CLBK's long-term total return over 10, 20, or 30 years?

Here are Columbia Financial, Inc. (CLBK)'s long-term returns with dividends reinvested. Over 10 years, the total return is 25.1% (2.3% CAGR) — $10,000 would have grown to $12,510. Over 20 years: 25.1% total return (1.1% CAGR) — $10,000 → $12,510. Over 30 years: 25.1% total return (0.7% CAGR) — $10,000 → $12,510. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was CLBK's best and worst year?

Columbia Financial, Inc.'s best calendar year was 2021 with a total return of 33.6%. Its worst year was 2024 with a total return of -18.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 52.1 percentage points.