Growth & profitability
- Free cash flow has grown 5.7% per year over the past 5 years.
Financial health
- Total debt ($1.2B) exceeds cash ($341M); net debt is $843M.
CLBK Financials Columbia Financial, Inc.
10 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | — | $52M | — | — | $59M | $1.2B | $341M |
| 2024 | — | -$12M | — | — | $26M | $1.1B | $289M |
| 2023 | — | $36M | — | — | $33M | $1.5B | $423M |
| 2022 | — | $86M | — | — | $135M | $1.1B | $179M |
| 2021 | — | $92M | — | — | $93M | $377M | $71M |
| 2020 | — | $58M | — | — | $44M | $799M | $423M |
| 2019 | — | $55M | — | — | $2M | $1.4B | $76M |
| 2018 | — | $23M | — | — | $43M | $1.2B | $42M |
| 2017 | — | $31M | — | — | $30M | — | $101M |
| 2016 | — | $33M | — | — | $55M | — | — |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | — | $13M | — | — | $1M | $1.2B | $277M |
| Dec '25 | — | $16M | — | — | $22M | $1.2B | $341M |
| Sep '25 | — | $15M | — | — | $28M | $1.3B | $253M |
| Jun '25 | — | $12M | — | — | $13M | $1.3B | $248M |
| Mar '25 | — | $9M | — | — | -$4M | $1.1B | $256M |
| Dec '24 | — | -$21M | — | — | $27M | $1.1B | $289M |
| Sep '24 | — | $6M | — | — | -$31M | $1.4B | $284M |
| Jun '24 | — | $5M | — | — | $17M | $1.7B | $391M |
| Mar '24 | — | -$1M | — | — | $12M | $1.5B | $373M |
| Dec '23 | — | $7M | — | — | -$35M | $1.5B | $423M |
| Sep '23 | — | $9M | — | — | $41M | $1.4B | $204M |
| Jun '23 | — | $2M | — | — | $32M | $1.1B | $93M |
| Mar '23 | — | $19M | — | — | -$5M | $1.7B | $319M |
| Dec '22 | — | $22M | — | — | $28M | $1.1B | $179M |
| Sep '22 | — | $21M | — | — | $35M | $674M | $102M |
| Jun '22 | — | $23M | — | — | $40M | $420M | $109M |
| Mar '22 | — | $20M | — | — | $32M | $433M | $96M |
| Dec '21 | — | $23M | — | — | $30M | $377M | $71M |
| Sep '21 | — | $21M | — | — | -$5M | $750M | $298M |
| Jun '21 | — | $27M | — | — | -$101M | $750M | $387M |
Valuation over time
How the market has priced CLBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 22.0× (Mar '23) to 40.3× (Jun '26).
P/E
Frequently asked questions
Is CLBK growing its revenue and profit?
See the revenue and net-income charts above for Columbia Financial, Inc.'s multi-year trend.
How much debt does CLBK have?
As of FY2025, Columbia Financial, Inc. reported $1.2B of total debt against $341M of cash.
What is CLBK's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is CLBK's P/E ratio?
As of Jun '26, Columbia Financial, Inc. traded at a price-to-earnings ratio of about 40.3× (market cap ÷ latest annual net income). The valuation charts above show how its P/E have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.