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Columbia Financial Inc

Columbia Financial Inc

CLBK · NASDAQ · Financial Services / Banks - Regional

11.16USD-0.06 (-0.53%)

Price History

Full chart

Market Stats

Previous Close11.22
Open11.24
Day Range11.09 – 11.32
52-Week Range6.18 – 12.00
Volume2.36M
Market Cap1.18B
P/E (TTM)20.60
Forward P/E72.46
EPS0.55
Dividend Yield1.77%
Beta0.24
50-Day Avg11.32
200-Day Avg9.07

About

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four family residential loans; and consumer loans, which includes home equity loans and advances, as well as automobile, personal, unsecured, and overdraft lines of credit, as well as securities activities. It also provides deposit products, including non-interest and interest-bearing demand accounts, savings and club deposits, money market accounts, and certificates of deposit; and borrowings. In addition, the company offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. was formerly a subsidiary of Columbia Bank MHC.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Thomas J. Kemly
  • Employees749
  • Headquarters19-01 Route 208 North, Fair Lawn, NJ, United States, 07410, USA
  • Websitehttps://www.columbiabankonline.com

Leadership

  • Mr. Thomas J. KemlyPresident, CEO & Director · b. 1958
  • Mr. Dennis E. Gibney C.F.A.First Senior EVP, Chief Banking Officer & Director · b. 1974
  • Mr. John KlimowichSenior Executive VP & Chief Risk Officer · b. 1963
  • Ms. Allyson Katz SchlesingerSenior Executive VP & Head of Consumer Banking · b. 1972
  • Mr. Oliver Edward Lewis Jr.Senior EVP and Head of Commercial Banking · b. 1965
  • Mr. Thomas F. Splaine Jr.CFO, Executive VP, Principal Financial & Accounting Officer · b. 1966
  • Mr. Steven M. Klein CPASenior EVP, COO & Director · b. 1966
  • Mr. Manesh Balachandran PrabhuExecutive VP & Chief Information Officer · b. 1975
  • Ms. Jenifer W. WaldenExecutive VP & Chief Human Resources Officer · b. 1968
  • Ms. Mayra Liseth RinaldiExecutive VP of Corporate Governance & Culture and Corporate Secretary · b. 1984

Financials

Income Statement

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-187.70M201.09M246.80M292.13M326.21M308.98M340.07M422.36M453.32M507.44M
Growth (%)--+7.13%+22.73%+18.36%+11.67%-5.28%+10.06%+24.20%+7.33%+11.94%
Cost of Revenue-44.17M50.56M67.76M92.34M92.17M27.06M48.38M193.89M287.89M252.44M
Gross Profit-143.53M150.53M179.04M199.78M234.40M281.92M291.69M228.47M165.43M255.00M
Gross Margin-76.47%74.86%72.55%68.39%71.85%91.24%85.77%54.09%36.49%50.25%
Operating Expense-93.77M103.45M145.39M128.70M158.14M155.74M174.82M182.42M181.34M194.84M
Operating Income-49.76M47.08M33.66M71.08M76.26M126.18M116.88M46.05M-15.91M60.16M
Operating Margin-26.51%23.41%13.64%24.33%23.38%40.84%34.37%10.90%-3.51%11.86%
EBITDA-53.04M50.55M37.41M76.08M86.62M137.82M130.23M60.32M-1.35M68.86M
EBITDA Margin-28.26%25.14%15.16%26.04%26.55%44.61%38.29%14.28%-0.30%13.57%
Net Income29.87M32.95M31.07M22.74M54.72M57.60M92.05M86.17M36.09M-11.65M51.77M
Net Income Margin-17.56%15.45%9.21%18.73%17.66%29.79%25.34%8.54%-2.57%10.20%
R&D---0-------
R&D as % of Total Revenue---0.00%-------
Interest Expense043.76M44.14M61.08M88.12M73.72M37.02M42.89M189.10M273.44M235.40M
Interest Expense % of Total Revenue-23.31%21.95%24.75%30.16%22.60%11.98%12.61%44.77%60.32%46.39%

Balance Sheet

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets5.04B5.77B6.69B8.19B8.80B9.22B10.41B10.65B10.48B11.02B
Total Liabilities4.60B5.29B5.72B7.21B799.36M377.31M9.35B9.61B9.40B9.86B
Total Equity439.66M472.07M972.06M982.52M8.00B8.85B1.05B1.04B1.08B1.16B
Cash45.69M65.50M42.20M75.55M422.96M70.96M179.23M423.25M289.22M340.69M
Total Debt681.99M929.06M1.35B1.41B1.30B610.23M1.81B1.53B1.08B1.18B
Net Debt636.30M863.56M1.15B1.33B376.41M306.35M947.82M1.11B791.38M842.78M

Cash Flow

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow58.99M36.04M56.59M123.77M47.89M98.70M142.16M40.72M33.32M68.40M
Investing Cash Flow-290.57M-330.32M-943.15M-622.96M257.64M-443.61M-614.73M39.65M39.47M-454.16M
Financing Cash Flow234.10M349.56M863.26M532.54M41.88M-7.09M580.83M163.66M-206.81M437.35M
Capital Expenditure3.67M6.53M13.27M19.34M4.62M5.49M7.20M7.63M7.45M9.84M
Free Cash Flow55.33M29.51M43.32M104.43M43.26M93.21M134.95M33.08M25.88M58.56M
Dividends Paid--625.91M815.45M481.00K896.00K----
FCF to OCF93.79%81.89%76.55%84.37%90.34%94.44%94.93%81.25%77.65%85.62%
Dividend Paid to FCF--1444.79%780.88%1.11%0.96%----

Earnings

Report DateFeb 3, 2017May 4, 2017Mar 23, 2018May 14, 2018Jul 27, 2018Oct 25, 2018Jan 31, 2019Apr 25, 2019Jul 24, 2019Oct 24, 2019Jan 30, 2020Apr 29, 2020Jul 29, 2020Oct 29, 2020Jan 27, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Jan 25, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 25, 2024Apr 30, 2024Jul 31, 2024Oct 24, 2024Jan 28, 2025Apr 30, 2025Jul 30, 2025Oct 20, 2025Feb 2, 2026Apr 20, 2026Jul 30, 2026Oct 19, 2026
EPS Estimate0.000.000.000.110.050.050.050.050.050.040.050.060.050.050.070.080.090.090.090.090.100.100.090.090.060.030.030.020.020.030.030.040.050.060.070.070.050.13
EPS Actual0.090.090.270.100.050.050.060.060.050.060.060.030.060.070.090.090.120.090.110.100.100.100.090.090.050.040.05-0.010.020.030.050.040.060.070.070.070.15-
Surprise----9.09%0.00%0.00%20.00%20.00%0.00%50.00%20.00%-50.00%20.00%40.00%28.57%12.50%33.33%0.00%22.22%11.11%0.00%0.00%0.00%0.00%-16.67%33.33%66.67%-150.00%0.00%0.00%66.67%0.00%20.00%16.67%0.00%0.00%200.00%-
Timing--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours--

Key Statistics & Ratios

Market Cap1.18B
Enterprise Value3.20B
Trailing P/E20.60
Forward P/E72.46
Price / Sales4.41
Price / Book0.99
EPS0.55
Book Value5.23
Revenue (TTM)267.23M
Gross Profit (TTM)267.23M
Profit Margin21.76%
Operating Margin32.64%
Return on Equity5.02%
Return on Assets0.51%
Shares Outstanding104.06M
Shares Float261.78M
Beta0.24
Dividend Yield1.77%
Dividend Rate0.20
Payout Ratio13.89%

Analyst Ratings

Buy
Based on 2 analystsTarget 14.17
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
4.32%
Insiders
29.40%
Retail / Other
66.28%

Top Institutional Holders

  • BlackRock Inc
    2.31M2.22%
  • Dimensional Fund Advisors, Inc.
    2.10M2.02%
  • Vanguard Capital Management, LLC
    1.20M1.15%
  • Vanguard Portfolio Management, LLC
    1.09M1.05%
  • State Street Corp
    918.33K0.88%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    8.18M7.86%
  • iShares Russell 2000 ETF
    6.87M6.60%
  • Vanguard Small Cap Index
    5.91M5.68%
  • Vanguard MStar Small Cap Growth Indx Inv
    3.40M3.26%
  • iShares Russell 2000 Value ETF
    2.34M2.25%
  • Invesco Main Street Small Cap R6
    2.00M1.92%
  • Vanguard Russell 2000 ETF
    1.54M1.48%
  • PGIM Jennison Small Company A
    1.48M1.43%
  • DFA US Small Cap I
    1.20M1.16%
  • Invesco V.I. Main Street Small Cap I
    1.08M1.03%
  • T. Rowe Price Small-Cap Stock
    1.07M1.03%
  • Dimensional US Small Cap ETF
    865.90K0.83%
  • State Street® SPDR® S&PRgnllBkgETF
    828.33K0.80%
  • DFA US Small Cap Value I
    817.18K0.79%
  • Fidelity Extended Market Index
    793.51K0.76%

Dividends

20262×
0.05Nov 10, 20260.05Aug 12, 2026

Stock Splits

  • Jul 21, 202622:10