Columbia Financial, Inc. (CLBK) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
Columbia Financial, Inc. (CLBK) posted $258.70M in revenue for fiscal 2025 (up 43.8% year over year), at a 20.0% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Columbia Financial, Inc.
Columbia Financial, Inc. has grown revenue from $0 to $258.70M over the last 10 fiscal years. The most recent year was up 43.8%.
Net margin sits at 20%, up 26.5 points year over year. It carries about $1.18B of total debt.
At today's valuation the market is pricing in roughly 16.1% annual free-cash-flow growth — versus the 5.7% it actually delivered over the last five years, so the price already assumes a step-up from the recent record. The one thing worth a second look in the filings is heavy debt load.
Synthesised from Columbia Financial, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Columbia Financial, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $297.18M | $233.25M | $179.88M | $258.70M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $32.95M | $31.07M | $22.74M | $54.72M | $57.60M | $92.05M | $86.17M | $36.09M | $-11.65M | $51.77M |
| Net margin | — | — | — | — | — | — | 29.0% | 15.5% | -6.5% | 20.0% |
Source: Columbia Financial, Inc. SEC filings (10-K).
Columbia Financial, Inc.: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $1183.5M is 17.3× last year's operating cash flow — it would take years of cash flow to clear.
- Net margin shrinkingNet margin fell from 29.0% to 20.0% over ~3 years — profitability is compressing.
What growth is priced into CLBK stock?
At today's market cap of $2.17B, Columbia Financial, Inc. is priced for free-cash-flow growth of about 16.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $58.56M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 5.7%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 10 years of Columbia Financial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Columbia Financial, Inc. financial history by metric
About Columbia Financial, Inc.
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. operates as a subsidiary of Columbia Bank MHC.
Columbia Financial, Inc. — frequently asked questions
What is Columbia Financial, Inc.'s revenue?
Columbia Financial, Inc. (CLBK) reported revenue of $258.70M for fiscal year 2025, up 43.8% from the prior year, according to its SEC filings.
Is Columbia Financial, Inc. profitable?
Yes. CLBK earned net income of $51.77M in fiscal 2025, a net margin of 20.0%.
What is CLBK's P/E ratio?
Columbia Financial, Inc. trades at a price-to-earnings ratio of about 37.8 based on the latest data in our nightly-refreshed cache.
How much debt does Columbia Financial, Inc. have?
As of fiscal year 2025, CLBK carried roughly $1.18B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Columbia Financial, Inc.'s market cap?
Columbia Financial, Inc. (CLBK) has a market capitalization of about $2.17B, based on the latest data in our nightly-refreshed cache.
When does Columbia Financial, Inc.'s fiscal year end?
CLBK's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CLBK stock?
At today's market cap of $2.17B, Columbia Financial, Inc. is priced for free-cash-flow growth of about 16.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $58.56M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 5.7%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Columbia Financial, Inc.'s official SEC filings (10-K and 10-Q), covering 10 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.