CLBK
Columbia Financial, Inc.16.87
-0.29-1.69%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.77BP/E (TTM)
112.47Basic EPS (TTM)
0.15Dividend Yield
0%Recent Filings
8-K
Q3 earnings surge to $14.9M
Columbia Financial swung to Q3 net income of $14.9 million, up from $6.2 million last year, fueled by net interest income jumping 26.7% to $57.4 million on a 45 basis point net interest margin expansion to 2.29%. Loan growth hit $97.1 million quarterly, while non-performing assets dipped to 0.30% of total assets. The board kicked off a 1.8 million share repurchase in September, buying back 183,864 shares for $2.8 million. Balance sheet repositioning from late 2024 boosted yields, but non-performing loans rose to 0.40%.
8-K
COO departure announced
Columbia Financial, Inc. announced on September 5, 2025, that Matthew Smith, its Senior Executive Vice President and Chief Operating Officer, will depart on October 5, 2025, by mutual agreement. The filing discloses no details on his successor or interim arrangements. This leadership change could disrupt operations in the near term.
8-K
New stock buyback authorized
Columbia Financial authorized a new stock repurchase program on September 5, 2025, allowing buys of up to 1,800,000 shares—about 1.7% of its outstanding common stock—after Federal Reserve non-objection. The one-year initiative targets open-market or private deals, guided by market conditions and liquidity needs. Repurchases signal board confidence in value. Yet execution hinges on volatile factors like rates and regulations.
10-Q
Q2 FY2025 results
Columbia Financial's Q2 2025 results showed solid momentum, with net interest income climbing 21.8% year-over-year to $53.7 million, fueled by higher loan yields and a repositioned securities portfolio that boosted average yields to 3.55% from 2.89%. Loans grew 3.2% quarter-over-quarter to $8.2 billion, driven by $130.9 million in equipment finance purchases, while deposits edged up 0.5% to $8.1 billion; borrowings rose 17.8% to $1.3 billion to fund the expansion. Net income hit $12.3 million, up sharply from $4.5 million last year, with diluted EPS steady at $0.12 amid anti-dilutive options. Cash stood at $248 million, free cash flow not disclosed in the 10-Q. Non-GAAP metrics not disclosed. Yet non-performing loans doubled to 0.49% of gross loans, signaling rising credit pressures.
8-K
Q2 earnings surge to $12.3M
Columbia Financial swung to net income of $12.3 million in Q2 2025, up from $4.5 million a year earlier, fueled by net interest income jumping 21.8% to $53.7 million on a widened 2.19% margin and lower borrowing costs. Solid loan growth hit $8.1 billion, boosted by a $130.9 million equipment finance purchase, while non-performing loans rose to 0.49% amid economic pressures. Expenses dropped 2.9%, trimming costs effectively. Yet asset quality demands watch.
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