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Columbia Financial, Inc. CLBK Q2 2025 earnings

Reported July 30, 2025 · Before market open

Revenue$63.9MBeat by $8.5M
EPS$0.12Beat by $0.01
Revenue estimate$55.4M
EPS estimate$0.11

Next report

Date not yet announced

Financials

Q2 2025

Income statement

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Revenue$63.9M+19.9%
Net income$12.3M+171%
EPS (diluted)$0.12+200%

Balance sheet

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Cash & equivalents$248.2M-36.5%
Total debt$1.3B-24.3%
Total equity$1.1B+7.1%
Total assets$10.7B-0.2%

Cash flow

See full
Operating cash flow$14.6M-21.2%
CapEx$1.7M+24.9%
Free cash flow$12.9M-24.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.51B-3.6%
Enterprise value$2.55B-11.4%
P/E245.3×+163×
P/S7.6×+0.3×

Profitability

See full
Net margin3.1%-5.7pp
FCF margin2.3%—

Returns & leverage

See full
Return on equity0.6%-1.3pp
Debt / equity1.1×-0.5×

Segments

By product

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Demand deposit account fees$2.0M+26.7%
Other non-interest income$1.5M+8.2%
Title insurance fees$861.0K+15.7%
Insurance agency income$88.0K+46.7%

Versus estimates

Revenue

Q1 2026$67.1MBeat by $5.5MQ4 2025$68.8MBeat by $7.9MQ3 2025$80.6MBeat by $21.4M
Q2 2025$63.9MBeat by $8.5M
Q1 2025$58.8MBeat by $8.8MQ4 2024$89.9MBeat by $43.8M

Diluted EPS

Q1 2026$0.15Miss by $0.01Q4 2025$0.15In lineQ3 2025$0.15Beat by $0.02
Q2 2025$0.12Beat by $0.01
Q1 2025$0.09In lineQ4 2024$0.11Beat by $0.03

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Questions, answered.

When did Columbia Financial, Inc. report Q2 2025 earnings?
Columbia Financial, Inc. (CLBK) reported Q2 2025 earnings on July 30, 2025 before market open.
What were Columbia Financial, Inc.'s Q2 2025 revenue and EPS?
Columbia Financial, Inc. reported revenue of $63.9M and eps of $0.12 for Q2 2025.
Did Columbia Financial, Inc. beat estimates in Q2 2025?
Revenue beat the consensus estimate of $55.4M by $8.5M. EPS beat the consensus estimate of $0.11 by $0.01.
How did Columbia Financial, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.9% from $53.3M a year earlier and eps grew 200.0% from $0.04.
Where can I find Columbia Financial, Inc.'s Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001723596-25-000307) directly on SEC EDGAR. The filing index links above go to sec.gov.