Columbia Financial, Inc. (CLBK)

Columbia Financial Cash Flow 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	14.85	-11.65	36.09	86.17	92.05	57.6
Depreciation & Amortization	14.83	14.56	14.27	13.35	11.64	10.36
Other Amortization	6.06	4.44	5.61	6.06	2.12	-1.46
Gain (Loss) on Sale of Assets	0.43	0.45	0.17	0.24	0.1	0.73
Gain (Loss) on Sale of Investments	27.33	32.44	11.59	2.96	1.99	-2.17
Total Asset Writedown	-	-	-	-	-	0.19
Provision for Credit Losses	10.62	14.45	4.79	5.49	-9.95	18.45
Accrued Interest Receivable	-0.59	-1.04	-5.45	-4.69	2.02	-6.69
Change in Other Net Operating Assets	9.48	-19.86	-30.76	15.08	-20.23	-42.3
Other Operating Activities	-17.32	-9.86	-6.45	5.38	14.57	4.28
Operating Cash Flow	72.92	33.32	40.72	142.16	98.7	49.04
Operating Cash Flow Growth	-	-18.16%	-71.36%	44.02%	101.26%	124.72%
Capital Expenditures	-9.08	-7.45	-7.64	-7.2	-5.49	-4.62
Sale of Property, Plant and Equipment	-0.05	1.22	-	1.77	1.88	-
Cash Acquisitions	-	-	-	140.77	20.42	155.25
Investment in Securities	215.85	82.63	273.48	269.4	-374.8	11.69
Net Decrease (Increase) in Loans Originated / Sold - Investing	-437.52	-57.58	-204.66	-986.43	-109.26	66.88
Other Investing Activities	7.8	20.64	-21.54	-33.04	23.66	28.46
Investing Cash Flow	-223	39.47	39.65	-614.73	-443.61	257.65
Short-Term Debt Issued	-	-	-	446.81	-	-
Long-Term Debt Issued	-	271.21	536.11	335.89	66.96	90
Total Debt Issued	298.3	271.21	536.11	782.7	66.96	90
Short-Term Debt Repaid	-	-237.83	-93.17	-	-244.03	-376.01
Long-Term Debt Repaid	-	-484.92	-41.6	-38.73	-306.75	-360.54
Total Debt Repaid	-458.91	-722.75	-134.77	-38.73	-550.78	-736.54
Net Debt Issued (Repaid)	-160.6	-451.54	401.35	743.98	-483.82	-646.54
Issuance of Common Stock	-	-	0.01	-	-	-
Repurchase of Common Stock	-3.14	-6.71	-81.12	-98.61	-108.13	-108.36
Net Increase (Decrease) in Deposit Accounts	282.26	249.59	-154.6	-71.79	581.48	799.55
Other Financing Activities	1.47	1.85	-1.98	7.26	3.38	-3.92
Financing Cash Flow	119.99	-206.82	163.66	580.83	-7.09	40.72
Net Cash Flow	-30.1	-134.03	244.02	108.27	-351.99	347.41
Free Cash Flow	63.84	25.87	33.08	134.95	93.21	44.42
Free Cash Flow Growth	-	-21.78%	-75.49%	44.78%	109.84%	1691.13%
Free Cash Flow Margin	31.60%	15.64%	14.48%	46.27%	33.06%	18.95%
Free Cash Flow Per Share	0.63	0.25	0.32	1.27	0.90	0.41
Cash Interest Paid	256.3	274.38	183.57	41.08	37.91	75.56
Cash Income Tax Paid	0.44	0.94	9.25	15.73	16.26	10.53

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q