# Columbia Financial Inc. (CLBK)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $2.11B  
**Price:** $20.77 (-0.81%)

> Columbia Financial Inc. operates as a registered savings and loan holding company for Columbia Bank, providing a wide array of banking and financial services primarily in New Jersey. The company is focused on delivering personalized financial solutions through its traditional and digital banking platforms. Columbia Financial offers diverse products such as residential, commercial, and consumer loans, ensuring a comprehensive approach to community banking. It also provides deposit services, including checking and savings accounts, certificates of deposit, and IRAs, catering to both personal and business clients. As a significant player in the New Jersey banking sector, Columbia Financial Inc. has established a strong presence with multiple branches, emphasizing customer service and community involvement. The institution plays a crucial role in local economic development by supporting various community initiatives and by offering financial literacy programs, contributing to financial stability within its service regions.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $471M | — | — | $52M | — |
| 2024 | $451M | — | — | -$12M | — |
| 2023 | $395M | — | — | $36M | — |
| 2022 | $310M | — | — | $86M | — |
| 2021 | $270M | — | — | $92M | — |
| 2020 | $296M | — | — | $58M | — |
| 2019 | $261M | — | — | $55M | — |
| 2018 | $226M | — | — | $23M | — |
| 2017 | $184M | — | — | $31M | — |
| 2016 | $169M | — | — | $33M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $11.02B | $9.86B | $1.16B | $341M | $1.18B |
| 2024 | $10.48B | $9.40B | $1.08B | $289M | $1.08B |
| 2023 | $10.65B | $9.61B | $1.04B | $423M | $1.53B |
| 2022 | $10.41B | $9.35B | $1.05B | $179M | $1.13B |
| 2021 | $9.22B | $8.15B | $1.08B | $71M | $377M |
| 2020 | $8.80B | $7.79B | $1.01B | $423M | $799M |
| 2019 | $8.19B | $7.21B | $983M | $76M | $1.41B |
| 2018 | $6.69B | $5.72B | $972M | $42M | $1.19B |
| 2017 | $5.43B | $4.95B | $476M | $101M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $68M | $10M | $59M |
| 2024 | $33M | $7M | $26M |
| 2023 | $41M | $8M | $33M |
| 2022 | $142M | $7M | $135M |
| 2021 | $99M | $5M | $93M |
| 2020 | $49M | $5M | $44M |
| 2019 | $22M | $19M | $2M |
| 2018 | $57M | $13M | $43M |
| 2017 | $36M | $7M | $30M |
| 2016 | $59M | $4M | $55M |

Source: [CompaniesByCap](https://companiesbycap.com/company/CLBK)