Columbia Financial (CLBK) Financial Statements & Analysis

Columbia Financial (CLBK) Income Statement

Columbia Financial reported revenue of $258.70M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 56.4% from $165.43M a year earlier. Net income was $51.77M, a net margin of 20.0%. Gross margin was 98.6% and operating margin 23.3%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $69.44M, down 45.2% from the same quarter a year earlier.

Columbia Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Columbia Financial, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Sep 2017
Revenue & Gross Profit
Revenue	258.70	165.43	422.36	291.69	281.92	326.21	292.13	246.80	201.09
Cost of Revenue	252.44	287.90	193.89	48.38	27.06	92.17	92.34	67.76	50.56
Gross Profit	255.00	165.43	228.47	291.69	281.92	234.40	199.78	179.05	150.53
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	128.37	55.73	132.29	46.97	41.29	105.23	89.08	85.86	70.97
Operating Expenses	194.84	181.34	182.42	174.82	155.74	158.14	128.70	145.39	103.45
Operating Income	60.16	-15.91	46.05	116.88	126.18	76.26	71.08	33.66	47.08
Other Income/Expense
Interest Income	465.60	443.82	389.79	307.95	267.68	291.64	256.89	222.35	182.08
Interest Expense	249.32	273.44	189.10	42.89	37.02	73.73	88.12	61.08	44.14
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	67.99	-15.91	46.05	116.88	126.18	76.26	71.08	33.66	47.08
Income Tax Expense	16.22	-4.26	9.97	30.70	34.13	18.65	16.37	10.92	16.01
Net Income	51.77	-11.65	36.09	86.17	92.05	57.60	54.72	22.74	31.07
Net Income - Continuous Operations	51.77	-11.65	36.09	86.17	92.05	57.60	54.72	22.74	31.07
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	68.86	18.18	60.32	22.19	18.25	86.62	76.08	37.41	50.55
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	15.03	14.56	14.27	13.35	11.64	10.36	4.99	3.75	3.47
Earnings Per Share
Basic EPS	1.00	-	-	-	-	-	-	-	-
Diluted EPS	1.00	-	-	1.00	1.00	-	-	-	-
Basic Shares Outstanding	101.81	223.69	225.84	232.28	229.14	241.46	244.42	245.07	254.96
Diluted Shares Outstanding	101.81	224.05	226.37	233.62	229.14	241.46	244.42	245.07	254.96

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Columbia Financial Financial Statements

What was Columbia Financial's revenue in fiscal 2025?

Columbia Financial reported revenue of $258.70M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 56.4% from $165.43M a year earlier.

Is Columbia Financial profitable?

Yes. Columbia Financial earned net income of $51.77M in fiscal 2025, a net margin of 20.0%. In fiscal 2024 it lost $11.65M.

What is Columbia Financial's operating margin?

Columbia Financial's operating income was $60.16M on revenue of $258.70M in fiscal 2025, an operating margin of 23.3%, compared with -9.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition