Columbia Financial, Inc. (CLBK)

Columbia Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	55.97	51.77	-11.65	36.09	86.17	92.05
Depreciation & Amortization	17.97	17.63	18.18	21.32	22.19	18.25
Provision for Credit Losses	7.85	9.82	14.45	4.79	5.49	-9.95
Stock-Based Compensation	8.15	8.15	10.31	12.07	12.29	12.93
Other Adjustments	8.54	3.61	22.95	2.66	5.63	3.64
Changes in Accrued Interest and Accounts Receivable	0.1	-1.11	-1.04	-5.45	-4.69	2.02
Changes in Accrued Expenses	14.97	7.98	-7.3	3.28	25	1.93
Changes in Other Operating Activities	-37.16	-29.46	-12.57	-34.04	-9.92	-22.16
Operating Cash Flow	73.12	68.4	33.32	40.72	142.16	98.7
Operating Cash Flow Growth	315.38%	105.27%	-18.16%	-71.36%	44.02%	101.26%
Net Change in Loans Held-for-Investment	-258.9	-396.7	-57.58	-204.66	-986.43	-109.26
Net Change in Securities and Investments	-93.07	-47.84	103.27	250.57	235.34	-351.15
Payments for Business Acquisitions	-	-	-	-	140.77	20.42
Capital Expenditures	-8.8	-9.84	-7.45	-7.64	-7.2	-5.49
Purchases of Intangible Assets	-	-1.4	-	-	-	-
Sale of Property, Plant & Equipment	-0.02	-	1.22	-	1.77	1.88
Other Investing Activities	0.81	1.62	0.01	1.36	1.03	0.01
Investing Cash Flow	-352.05	-454.16	39.47	39.65	-614.73	-443.61
Net Change in Deposits	177.08	347.93	249.59	-154.6	-71.79	581.48
Short-Term Debt Issued	-0.04	31.96	-237.83	-93.17	446.81	-244.03
Net Short-Term Debt Issued (Repaid)	-0.04	31.96	-237.83	-93.17	446.81	-244.03
Long-Term Debt Issued	195.33	175.33	271.21	536.11	335.89	66.96
Long-Term Debt Repaid	-59.42	-104.42	-484.92	-41.6	-38.73	-306.75
Net Long-Term Debt Issued (Repaid)	135.92	70.92	-213.72	494.51	297.17	-239.79
Issuance of Common Stock	-	-	-	0.01	-	-
Repurchase of Common Stock	-13.8	-13.79	-6.81	-81.14	-99	-108.16
Net Common Stock Issued (Repurchased)	-13.8	-13.79	-6.81	-81.13	-99	-108.16
Other Financing Activities	0.63	0.34	1.94	-1.95	7.65	3.41
Financing Cash Flow	299.79	437.35	-206.82	163.66	580.83	-7.09
Net Cash Flow	20.86	51.58	-134.03	244.02	108.27	-351.99
Free Cash Flow	64.32	58.56	25.88	33.08	134.95	93.21
Free Cash Flow Growth	9.83%	126.32%	-21.78%	-75.49%	44.78%	109.84%
FCF Margin	24.81%	23.53%	15.64%	14.48%	46.27%	33.06%
Free Cash Flow Per Share	0.63	0.58	0.25	0.32	1.27	0.89
Levered Free Cash Flow	178.92	139.85	-473.37	414.91	855.52	-397.22
Unlevered Free Cash Flow	-12.92	-14.79	-10.17	-22.52	25.38	-5.45

Updated May 11, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q