Columbia Financial (CLBK)
Nasdaq Market Closed
Columbia Financial, Inc. is the holding company for Columbia Bank, a federally chartered savings institution focused on community banking. The company serves consumers, small businesses, real estate investors, and commercial clients, with a footprint centered on New Jersey and nearby markets. Its business model is built on gathering deposits from local customers and using those funds to make loans within its communities.
The bank offers a broad set of traditional financial products, including checking and savings accounts, certificates of deposit, residential mortgages, home equity lending, multifamily and commercial real estate loans, construction financing, commercial business loans, and other consumer credit. Like many regional and community banks, Columbia Financial earns a substantial share of its revenue from the spread between interest received on loans and securities and interest paid on deposits and borrowings.
Columbia Financial also provides services that complement its core banking operations. These include title insurance through a wholly owned subsidiary and access to personal and business insurance products. Such offerings help deepen customer relationships and diversify fee-based revenue, while keeping the company tied to local household and business activity.
For investors, CLBK is a banking stock whose results are closely linked to credit quality, deposit costs, loan demand, real estate conditions, and the interest-rate environment. Its community banking profile makes customer service, branch relationships, prudent underwriting, and balance-sheet discipline important parts of the company’s competitive position.
Last updated
- Market Cap
- $2,549,426,758
- P/E
- 45.55
- P/FCF
- 39.65
- P/S
- 4.97
- Enterprise Value
- $3,516,053,758
- Sector
- Financials
- Industry
- Savings Institutions, Federally Chartered
- Address
- 19-01 ROUTE 208 NORTH, FAIR LAWN, NJ, 07410
Columbia Financial, Inc. Announces Completion of Second Step Conversion and $1.7 Billion Stock Offering and Acquisition of Northfield Bancorp, Inc.
Columbia Financial, Inc. Announces the Results of Its Offering; Final Merger Consideration; and Anticipated Closing Date
3 Growth Stocks with Questionable Fundamentals
Columbia Financial, Inc. Announces Receipt of Stockholder and Depositor Approvals of Pending Second Step Conversion and Updated Results of Subscription Offering
Columbia Financial, Inc. Announces Promotion of Dennis E. Gibney to First Senior Executive Vice President and Chief Banking Officer
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- $2,549,426,758
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- $3,516,053,758
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 45.55
- P/B
P/B ratio compares a company's share price to its book value per share.
- 2.17
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 4.97
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 45.84
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 6.85
- EPS
- 0.54
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 39.65
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 34.87
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- $64,302,000
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 4.77%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.51%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 1.06
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- $1,238,333
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 24.5
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 125.62M | 130.44M | 130.28M | 126.66M | 120.63M |
| Cost of revenue | 58.48M | 61.66M | 63.03M | 62.79M | 61.84M |
| Gross profit | 67.14M | 68.78M | 67.25M | 63.88M | 58.8M |
| Operating income | 18.7M | 19.65M | 19.82M | 16.5M | 12.02M |
| EBITDA | 20.52M | 19.86M | 19.82M | 16.5M | 12.02M |
| Net income | 13.1M | 15.69M | 14.87M | 12.31M | 8.9M |
| Income taxes | 5.6M | 3.95M | 4.96M | 4.2M | 3.12M |
| Other operating expenses | 2.9M | 952K | 2.22M | 1.82M | 1.97M |
| Total operating expenses | 47.49M | 47.06M | 45.09M | 44.91M | 43.85M |
| Basic EPS | 0.13 | 0.16 | 0.15 | 0.12 | 0.09 |
| Diluted EPS | 0.13 | 0.16 | 0.15 | 0.12 | 0.09 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 11.01B | 11.02B | 10.86B | 10.74B | 10.61B |
| Total liabilities | 9.84B | 9.86B | 9.71B | 9.62B | 9.51B |
| Total equity | 1.17B | 1.16B | 1.14B | 1.12B | 1.1B |
| Cash & equivalents | 276.84M | 340.7M | 253.29M | 248.11M | 255.98M |
| Current assets | 1.94B | 1.93B | 1.81B | 1.78B | 1.8B |
| Current liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-term debt | 1.24B | 1.18B | 1.26B | 1.27B | 1.11B |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 3.14M | 24.38M | 30.96M | 14.64M | -1.58M |
| Investing cash flow | -56.91M | -51.43M | -113.46M | -130.25M | -159.02M |
| Financing cash flow | -10.1M | 114.46M | 87.69M | 107.74M | 127.47M |
| Change in cash | -63.86M | 87.4M | 5.18M | -7.87M | -33.13M |
| Net income | 13.1M | 15.69M | 14.87M | 12.31M | 8.9M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| edgar index | 8-K — Columbia Financial, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| edgar index | 4 — Columbia Financial, Inc. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Holland Noel R. | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Klimowich John | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing | |
| form 4 | Form 4 — Kemly Thomas J. | View Filing |
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