Skip to content

Columbia Financial, Inc. CLBK Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%
TFS Financial logo
TFS FinancialTFSL
$16.25M-21.1%
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$27.38M-7.7%
Provident Financial Services logo
Provident Financial ServicesPFS
$0
Caterpillar logo
CaterpillarCAT
9.6M-7.7%
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$1.32M+6.0%

Other financials

Income statement

See full
Revenue$67.1M+14.2%
Net income$13.1M+47.2%
EPS (diluted)$0.13+44.4%

Balance sheet

See full
Cash & equivalents$276.9M+8.1%
Total debt$1.3B+12.1%
Total equity$1.2B+6.7%
Total assets$11.0B+3.8%

Cash flow

See full
Operating cash flow$3.1M+299%
CapEx$1.9M-35.7%
Free cash flow$1.3M+128%

Valuation

See full
Market cap$2.07B+16.1%
Enterprise value$3.05B+15.1%
P/E36.9×
P/S7.7×-1.7×

Profitability

See full
Net margin21%+20.2pp
FCF margin24.1%+19.4pp

Returns & leverage

See full
Return on equity4.9%+4.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Columbia Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Columbia Financial, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

Ask your AI about Columbia Financial, Inc.'s reserve for esop debt retirement.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Columbia Financial, Inc.'s reserve for ESOP debt retirement?
Columbia Financial, Inc. (CLBK) reported reserve for ESOP debt retirement of $27.38M in Q1 2026.
How has Columbia Financial, Inc.'s reserve for ESOP debt retirement changed year-over-year?
Columbia Financial, Inc.'s reserve for ESOP debt retirement decreased by 7.7% year-over-year, from $29.65M to $27.38M.
What is the long-term trend for Columbia Financial, Inc.'s reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), Columbia Financial, Inc.'s reserve for ESOP debt retirement has grown at a -6.6% compound annual growth rate (CAGR), from $39.29M to $27.94M.
What does reserve for ESOP debt retirement mean?
A contra-equity account representing the debt obligations incurred by an Employee Stock Ownership Plan (ESOP) that remain to be repaid. This reserve reflects the impact of employee benefit financing on the bank's total shareholders' equity. It is essential for analysts to understand the net equity position and the long-term impact of employee compensation structures on capital adequacy.