Skip to content
OpenCapital
Get started

Columbia Financial, Inc. CLBK Q4 2025 Annual earnings

Reported February 2, 2026 · Before market open

Revenue$68.8MBeat by $7.9M
EPS$0.15In line
Revenue estimate$60.9M
EPS estimate$0.15

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$68.8M+203%
Net income$15.7M+174%
EPS (diluted)$0.16+180%

Balance sheet

See full
Cash & equivalents$340.8M+17.8%
Total debt$1.2B+9.2%
Total equity$1.2B+7.4%
Total assets$11.0B+5.2%

Cash flow

See full
Operating cash flow$24.4M-15.6%
CapEx$2.4M+46.6%
Free cash flow$22.0M-19.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.62B-2.1%
Enterprise value$2.48B+0.6%
P/E31.3×—
P/S6.3×-2.9×

Profitability

See full
Net margin20%+16.1pp
FCF margin22.6%+8.3pp

Returns & leverage

See full
Return on equity4.6%+3.9pp
Debt / equity1×0.0×

Segments

By product

See full
Demand deposit account fees$2.1M+16.9%
Other non-interest income$1.7M+11.6%
Title insurance fees$843.0K+47.9%
Insurance agency income$254.0K+230%

Versus estimates

Revenue

Q1 2026$67.1MBeat by $5.5M
Q4 2025$68.8MBeat by $7.9M
Q3 2025$80.6MBeat by $21.4MQ2 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 $0.01
Q4 2025$0.15In line
Q3 2025$0.15Beat by $0.02Q2 2025$0.12Beat by $0.01Q1 2025$0.09In lineQ4 2024$0.11Beat by $0.03

Ask the moment Columbia Financial, Inc. reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Columbia Financial, Inc. report Q4 2025 earnings?
Columbia Financial, Inc. (CLBK) reported Q4 2025 earnings on February 2, 2026 before market open.
What were Columbia Financial, Inc.'s Q4 2025 revenue and EPS?
Columbia Financial, Inc. reported revenue of $68.8M and eps of $0.15 for Q4 2025.
Did Columbia Financial, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $60.9M by $7.9M. EPS beat the consensus estimate of $0.15 by $0.00.
How did Columbia Financial, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 23.5% from $89.9M a year earlier and eps grew 36.4% from $0.11.
Where can I find Columbia Financial, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001723596-26-000002) and the 10-K periodic report (0001723596-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.