Columbia Financial, Inc. (CLBK)

Columbia Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Year	2023	2022	2021	2020	2019
Revenue	228.47	291.69	281.92	234.4	199.78
Revenue Growth (YoY)	-21.67%	3.47%	20.27%	17.33%	11.58%
Gross Profit	228.47	291.69	281.92	234.4	199.78
Selling, General & Admin	146.58	142.38	121.96	122.5	104.37
Other Operating Expenses	35.54	32.44	30.92	34.48	24.33
Operating Expenses	182.12	174.82	152.89	156.98	128.7
Operating Income	46.35	116.88	129.03	77.42	71.08
Other Expense / Income	0.3	-	2.85	1.16	-
Pretax Income	46.05	116.88	126.18	76.26	71.08
Income Tax	9.97	30.7	34.13	18.65	16.37
Net Income	36.09	86.17	92.05	57.6	54.72
Net Income Growth	-58.12%	-6.38%	59.80%	5.27%	140.66%
Shares Outstanding (Basic)	103	106	104	110	111
Shares Outstanding (Diluted)	103	106	104	110	111
Shares Change	-3.11%	1.96%	-5.10%	-1.21%	-0.26%
EPS (Basic)	0.35	0.82	0.88	0.52	0.49
EPS (Diluted)	0.35	0.81	0.88	0.52	0.49
EPS Growth	-56.79%	-7.95%	69.23%	6.12%	145.00%
Free Cash Flow	33.08	136.73	95.09	44.42	2.48
Free Cash Flow Per Share	0.32	1.29	0.91	0.41	0.02
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	20.29%	40.07%	45.77%	33.03%	35.58%
Profit Margin	15.79%	29.54%	32.65%	24.58%	27.39%
Free Cash Flow Margin	14.48%	46.87%	33.73%	18.95%	1.24%
Effective Tax Rate	21.64%	26.27%	27.05%	24.46%	23.02%
EBITDA	60.32	130.23	137.82	86.62	76.08
EBITDA Margin	26.40%	44.65%	48.89%	36.95%	38.08%
Depreciation & Amortization	14.27	13.35	11.64	10.36	4.99
EBIT	46.05	116.88	126.18	76.26	71.08
EBIT Margin	20.16%	40.07%	44.76%	32.53%	35.58%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).