Columbia Financial, Inc. (CLBK)

Columbia Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	195.73	177.98	205.88	266.78	233.13	221.57
Net Interest Income Growth	8.65%	-13.55%	-22.83%	14.43%	5.22%	28.54%
Non-Interest Income	3.91	1.89	27.38	30.4	38.83	31.27
Non-Interest Income Growth	-89.29%	-93.08%	-9.94%	-21.71%	24.18%	-1.16%
Revenues Before Loan Losses	199.64	179.88	233.26	297.18	271.97	252.84
Provision for Credit Losses	12.38	14.45	4.79	5.49	-9.95	18.45
Revenue	187.26	165.43	228.47	291.69	281.92	234.4
Revenue Growth (YoY)	-8.93%	-27.59%	-21.68%	3.47%	20.27%	17.32%
Compensation Expenses	111.83	109.49	120.85	116.93	99.53	100.69
Selling, General & Admin	52.84	55.73	50.6	46.97	41.29	37.91
Other Non-Interest Expenses	10.06	16.11	10.98	10.92	14.91	19.55
Total Non-Interest Expense	178.18	181.34	182.42	174.82	155.74	158.14
Pretax Income	9.08	-15.91	46.05	116.88	126.18	76.26
Provision for Income Taxes	2.91	-4.26	9.97	30.7	34.13	18.65
Net Income	6.17	-11.65	36.09	86.17	92.05	57.6
Net Income to Common	6.17	-11.65	36.09	86.17	92.05	57.6
Net Income Growth	-67.69%	-	-58.12%	-6.38%	59.80%	5.27%
Shares Outstanding (Basic)	102	102	103	106	104	110
Shares Outstanding (Diluted)	102	102	103	106	104	110
Shares Change (YoY)	-0.01%	-1.03%	-3.11%	1.96%	-5.10%	-1.21%
EPS (Basic)	0.07	-0.11	0.35	0.82	0.88	0.52
EPS (Diluted)	0.07	-0.11	0.35	0.81	0.88	0.52
EPS Growth	-61.11%	-	-56.79%	-7.95%	69.23%	6.12%
Free Cash Flow	4.65	25.88	33.08	134.95	93.21	44.42
Free Cash Flow Growth	-82.03%	-21.78%	-75.49%	44.78%	109.84%	1691.13%
Free Cash Flow Per Share	0.05	0.25	0.32	1.27	0.89	0.40
Profit Margin	3.29%	-7.04%	15.79%	29.54%	32.65%	24.58%
FCF Margin	2.48%	15.64%	14.48%	46.27%	33.06%	18.95%
EBITDA	17.38	18.18	21.32	22.19	18.25	11.41
EBITDA Margin	9.28%	10.99%	9.33%	7.61%	6.47%	4.87%
Effective Tax Rate	32.04%	26.76%	21.64%	26.27%	27.05%	24.46%

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q