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Columbia Financial, Inc. CLBK Q3 2025 earnings

Reported October 20, 2025 · Before market open

Revenue$80.6MBeat by $21.4M
EPS$0.15Beat by $0.02
Revenue estimate$59.2M
EPS estimate$0.13

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$67.3M+24.0%
Net income$14.9M+140%
EPS (diluted)$0.15+150%

Balance sheet

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Cash & equivalents$253.4M-10.6%
Total debt$1.3B-11.0%
Total equity$1.1B+5.7%
Total assets$10.9B+1.6%

Cash flow

See full
Operating cash flow$31.0M—
CapEx$2.8M+2.2%
Free cash flow$28.1M+191%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.57B-11.9%
Enterprise value$2.6B-11.6%
P/E106.1×-4.7×
P/S7.4×-1.0×

Profitability

See full
Net margin7%-0.6pp
FCF margin30%—

Returns & leverage

See full
Return on equity1.3%-0.2pp
Debt / equity1.1×-0.2×

Segments

By product

See full
Demand deposit account fees$2.0M+20.2%
Other non-interest income$1.6M+5.1%
Title insurance fees$684.0K-0.6%
Insurance agency income$172.0K+105%

Versus estimates

Revenue

Q1 2026$67.1MBeat by $5.5MQ4 2025$68.8MBeat by $7.9M
Q3 2025$80.6MBeat by $21.4M
Q2 2025$63.9MBeat by $8.5MQ1 2025$58.8MBeat by $8.8MQ4 2024$89.9MBeat by $43.8M

Diluted EPS

Q1 2026$0.15Miss by $0.01Q4 2025$0.15In line
Q3 2025$0.15Beat by $0.02
Q2 2025$0.12Beat by $0.01Q1 2025$0.09In lineQ4 2024$0.11Beat by $0.03

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Questions, answered.

When did Columbia Financial, Inc. report Q3 2025 earnings?
Columbia Financial, Inc. (CLBK) reported Q3 2025 earnings on October 20, 2025 before market open.
What were Columbia Financial, Inc.'s Q3 2025 revenue and EPS?
Columbia Financial, Inc. reported revenue of $80.6M and eps of $0.15 for Q3 2025.
Did Columbia Financial, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $59.2M by $21.4M. EPS beat the consensus estimate of $0.13 by $0.02.
How did Columbia Financial, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 48.5% from $54.3M a year earlier and eps grew 150.0% from $0.06.
Where can I find Columbia Financial, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001723596-25-000365) directly on SEC EDGAR. The filing index links above go to sec.gov.