CLBKNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Columbia Financial, Inc./MD/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$10.57−0.10 (-0.94%)
Close on Oct 19, 2026
- Market cap
- $1.08B
- P/E (TTM)
- 18.5
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2015 to 2025
Net margin
20.0%−2.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +43.8% | -4.5% | +0.5% | – | |
| Net income | – | -15.6% | -2.1% | – | |
| EPS, diluted | – | -14.3% | -0.4% | – | |
| Free cash flow | +126.3% | -24.3% | +5.7% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2015 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 5.8% | 4.6% | |
| Return on assets | – | 0.7% | 0.5% | |
| Capex to revenue | – | 1.8% | 3.8% | |
| Diluted shares | – | 110M | 102M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Columbia Financial generated $383.30M from operations and spent $339.13M on capital expenditure, dividends and share buybacks. 11% of that went back into the business.
Generated
$383.30M
Used
$339.13M
Capital expenditure$37.61M11%Dividends$00%Share buybacks$301.51M89%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin20.0%
×Asset turnover0.02×
×Equity multiplier9.59×
=Return on equity, FY20254.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 20.0% | 0.02× | 9.59× | 4.6% |
| FY2024 | -6.5% | 0.02× | 9.96× | -1.1% |
| FY2023 | 15.5% | 0.02× | 10.05× | 3.4% |
| FY2022 | 29.0% | 0.03× | 9.21× | 8.1% |
| FY2021 | 33.8% | 0.03× | 8.62× | 8.8% |
| FY2020 | 22.8% | 0.03× | 8.52× | 5.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$51.77M
- Cash generatingOperating cash flow above zero$68.40M
- Return on assets improvedROA up on the prior year-0.1% → 0.5%
- Earnings backed by cashOperating cash flow above net income$68.40M vs $51.77M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise102M → 102M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.02