Columbia Financial, Inc. (CLBK) Income Statement
CLBK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCLBK revenue and net income
Where CLBK's revenue goes
2025Each bar shows an amount and its share of revenue. CLBK kept 10.2% of revenue as net income.
CLBK profit margins
CLBK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +11.9% | +14.3% | +9.2% | — |
| Gross profit | +54.1% | −4.4% | +1.7% | — |
| Operating income | — | −19.9% | −4.6% | — |
| Net income | — | −15.6% | −2.1% | +5.7% |
| EPS (diluted) | +166.7% | −14.9% | −0.8% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CLBK quarterly EPS vs estimates
Columbia Financial beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 19, 2026 (estimate $0.13).
CLBK income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $507.4M | $453.3M | $422.4M | $340.1M | $309.0M | $326.2M | $292.1M | $246.8M | $201.1M | $187.7M |
| Cost of revenue | $252.4M | $287.9M | $193.9M | $48.4M | $27.1M | $92.2M | $92.3M | $67.8M | $50.6M | $44.2M |
| Gross profit | $255.0M | $165.4M | $228.5M | $291.7M | $281.9M | $234.4M | $199.8M | $179.0M | $150.5M | $143.5M |
| Research & development | — | — | — | — | — | — | — | $0 | — | — |
| Sales, general & admin | $74.5M | $119.6M | $132.3M | $122.4M | $104.3M | $105.2M | $89.1M | $85.9M | $71.0M | $65.6M |
| Total operating expenses | $194.8M | $181.3M | $182.4M | $174.8M | $155.7M | $158.1M | $128.7M | $145.4M | $103.4M | $93.8M |
| Operating income | $60.2M | −$15.9M | $46.1M | $116.9M | $126.2M | $76.3M | $71.1M | $33.7M | $47.1M | $49.8M |
| Interest income | $465.6M | $443.8M | $389.8M | $307.9M | $267.7M | $292.1M | $257.5M | $223.5M | $182.4M | $167.5M |
| Interest expense | $235.4M | $273.4M | $189.1M | $42.9M | $37.0M | $73.7M | $88.1M | $61.1M | $44.1M | $43.8M |
| Income before taxes | $60.2M | −$15.9M | $46.1M | $116.9M | $126.2M | $76.3M | $71.1M | $33.7M | $47.1M | $49.8M |
| Income taxes | $8.4M | −$4.3M | $10.0M | $30.7M | $34.1M | $18.7M | $16.4M | $10.9M | $16.0M | $16.8M |
| Net income | $51.8M | −$11.7M | $36.1M | $86.2M | $92.0M | $57.6M | $54.7M | $22.7M | $31.1M | $33.0M |
| EBITDA | $75.2M | −$1.4M | $60.3M | $130.2M | $137.8M | $86.6M | $76.1M | $37.4M | $50.5M | $53.0M |
| EPS (diluted) | $0.24 | $0.09 | $0.23 | $0.39 | $0.41 | $0.25 | $0.23 | $0.26 | $0.36 | $0.09 |
| Gross margin | 50.3% | 36.5% | 54.1% | 85.8% | 91.2% | 71.9% | 68.4% | 72.5% | 74.9% | 76.5% |
| Operating margin | 11.9% | −3.5% | 10.9% | 34.4% | 40.8% | 23.4% | 24.3% | 13.6% | 23.4% | 26.5% |
| Net margin | 10.2% | −2.6% | 8.5% | 25.3% | 29.8% | 17.7% | 18.7% | 9.2% | 15.5% | 17.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $122.3M | $122.0M | $130.4M | $129.7M | $126.7M | $120.6M | $89.9M | $124.9M | $122.5M | $116.1M | $122.2M | $107.0M |
| Cost of revenue | $59.3M | $59.4M | $63.4M | $59.0M | $65.3M | $64.8M | $70.1M | $74.7M | $71.4M | $71.7M | $66.7M | $52.3M |
| Gross profit | $62.9M | $62.5M | $67.1M | $70.7M | $61.4M | $55.9M | $19.8M | $50.1M | $51.1M | $44.4M | $55.4M | $54.7M |
| Sales, general & admin | $50.1M | $2.0M | $33.2M | $6.3M | $4.1M | $31.0M | $28.9M | $30.0M | $30.2M | $30.5M | $34.0M | $30.8M |
| Total operating expenses | $53.7M | $43.8M | $47.1M | $59.0M | $44.9M | $43.8M | $46.6M | $42.8M | $46.2M | $45.7M | $48.0M | $42.9M |
| Operating income | $9.2M | $18.7M | $20.0M | $11.6M | $16.5M | $12.0M | −$26.8M | $7.3M | $4.8M | −$1.3M | $7.4M | $11.8M |
| Interest income | — | $117.5M | $120.6M | $119.2M | $115.3M | $110.5M | $111.8M | $113.9M | $111.5M | $106.7M | $109.4M | $96.9M |
| Interest expense | $59.3M | $58.5M | $61.7M | $49.1M | $62.8M | $61.8M | $67.2M | $70.6M | $69.2M | $66.4M | $65.6M | $49.9M |
| Income before taxes | $20.0M | $18.7M | $20.0M | $11.6M | $16.5M | $12.0M | −$26.8M | $7.3M | $4.8M | −$1.3M | $7.4M | $11.8M |
| Income taxes | $5.5M | $5.6M | $4.3M | −$3.2M | $4.2M | $3.1M | −$5.5M | $1.1M | $279,000 | −$129,000 | $865,000 | $2.7M |
| Net income | $14.5M | $13.1M | $15.7M | $14.9M | $12.3M | $8.9M | −$21.2M | $6.2M | $4.5M | −$1.2M | $6.6M | $9.1M |
| EBITDA | $20.0M | $22.6M | $23.9M | $15.5M | $20.2M | $15.7M | −$23.1M | $10.9M | $8.5M | $2.3M | $11.0M | $15.4M |
| EPS (diluted) | $0.15 | $0.07 | $0.07 | $0.07 | $0.06 | $0.04 | $0.05 | $0.03 | $0.02 | −$0.01 | $0.05 | $0.04 |
| Gross margin | 51.5% | 51.3% | 51.4% | 54.5% | 48.5% | 46.3% | 22.1% | 40.2% | 41.7% | 38.2% | 45.4% | 51.2% |
| Operating margin | 7.5% | 15.3% | 15.3% | 9.0% | 13.0% | 10.0% | −29.8% | 5.9% | 3.9% | −1.1% | 6.1% | 11.1% |
| Net margin | 11.8% | 10.7% | 12.0% | 11.5% | 9.7% | 7.4% | −23.6% | 5.0% | 3.7% | −1.0% | 5.4% | 8.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CLBK's financial statements (latest annual report filed March 6, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CLBK financial results
In fiscal year 2025 (ended December 31, 2025), Columbia Financial reported revenue of $507.4 million, up 11.9% from the year before. It had net income of $51.8 million, a net profit margin of 10.2%. Diluted earnings per share came to $0.24. Over five years revenue grew at an average rate of 9.2% a year.
See the CLBK stock overview for the latest quote and news, or the CLBK chart for price history and technical indicators.
CLBK income statement FAQ
What is Columbia Financial's annual revenue?
Columbia Financial reported total revenue of $507.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 11.9% from $453.3 million the previous year.
Is Columbia Financial profitable?
Yes. Columbia Financial reported net income of $51.8 million in fiscal 2025, a net profit margin of 10.2%; its operating margin was 11.9%.
What is Columbia Financial's gross margin?
Columbia Financial's gross margin was 50.3% in fiscal 2025: for every $100 of revenue, Columbia Financial kept $50 after the direct cost of its products and services.
How fast is Columbia Financial growing?
Revenue grew 9.2% a year on average over the last five fiscal years, from $326.2 million to $507.4 million.
What are Columbia Financial's earnings per share?
Columbia Financial earned $0.24 per diluted share in fiscal 2025, compared with $0.09 a year earlier.
When will Columbia Financial report its next earnings?
Columbia Financial is expected to report results for the quarter ending September 30, 2026 on October 19, 2026.
When does Columbia Financial's fiscal year end?
Columbia Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 6, 2026.