What is Columbia Financ's earnings per share (EPS)?

Columbia Financ (CLBK) reported diluted earnings per share of $0.51 for fiscal year 2025. This represents a 563.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Columbia Financ Financials

CLBK

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Columbia Financ (CLBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 50/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Columbia Financ's revenue grew a modest 4.3% year-over-year to $471.0M. This slow but positive growth earns a score of 41/100.

Leverage

Columbia Financ carries a low D/E ratio of 1.02, meaning only $1.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 81/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Columbia Financ has a free cash flow margin of 12.4%, earning a moderate score of 56/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Columbia Financ generates a 4.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is up from -1.1% the prior year.

Piotroski F-Score Neutral

5/9

Columbia Financ passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.32x

For every $1 of reported earnings, Columbia Financ generates $1.32 in operating cash flow ($68.4M OCF vs $51.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$471.0M

YoY+4.3%

5Y CAGR+9.8%

Columbia Financ generated $471.0M in revenue in fiscal year 2025. This represents an increase of 4.3% from the prior year.

EBITDA

N/A

Net Income

$51.8M

YoY+544.2%

5Y CAGR-2.1%

Columbia Financ reported $51.8M in net income in fiscal year 2025. This represents an increase of 544.2% from the prior year.

EPS (Diluted)

$0.51

YoY+563.6%

5Y CAGR-0.4%

Columbia Financ earned $0.51 per diluted share (EPS) in fiscal year 2025. This represents an increase of 563.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$58.6M

YoY+126.3%

5Y CAGR+5.7%

Columbia Financ generated $58.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 126.3% from the prior year.

Cash & Debt

$340.8M

YoY+17.8%

5Y CAGR-4.2%

Columbia Financ held $340.8M in cash against $1.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

104M

YoY-0.6%

5Y CAGR-1.3%

Columbia Financ had 104M shares outstanding in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.0%

YoY+13.6pp

5Y CAGR-8.5pp

Columbia Financ's net profit margin was 11.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 13.6 percentage points from the prior year.

Return on Equity

4.5%

YoY+5.5pp

5Y CAGR-1.2pp

Columbia Financ's ROE was 4.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$13.4M

YoY+126.5%

5Y CAGR-34.2%

Columbia Financ spent $13.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 126.5% from the prior year.

Capital Expenditures

$9.8M

YoY+32.1%

5Y CAGR+16.3%

Columbia Financ invested $9.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 32.1% from the prior year.

CLBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$471.0M+4.3%	$451.4M+14.3%	$395.0M+27.5%	$309.7M+14.6%	$270.1M-8.6%	$295.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$249.3M-8.8%	$273.4M+44.6%	$189.1M+340.9%	$42.9M+15.9%	$37.0M-50.1%	$74.1M
Income Tax	$16.2M+481.1%	-$4.3M-142.7%	$10.0M-67.5%	$30.7M-10.0%	$34.1M+83.0%	$18.7M
Net Income	$51.8M+544.2%	-$11.7M-132.3%	$36.1M-58.1%	$86.2M-6.4%	$92.0M+59.8%	$57.6M
EPS (Diluted)	$0.51+563.6%	$-0.11-131.4%	$0.35-56.8%	$0.81-8.0%	$0.88+69.2%	$0.52

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$121.9M+1.2%	$120.4M+3.4%	$116.5M+3.9%	$112.2M-1.3%	$113.6M-2.0%	$115.9M+2.3%	$113.3M+4.3%	$108.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$61.7M-2.2%	$63.0M+0.4%	$62.8M+1.5%	$61.8M-8.0%	$67.2M-4.8%	$70.6M+2.0%	$69.2M+4.2%	$66.4M
Income Tax	$4.0M-20.2%	$5.0M+18.1%	$4.2M+34.6%	$3.1M+156.3%	-$5.5M-589.7%	$1.1M+305.4%	$279K+316.3%	-$129K
Net Income	$15.7M+5.5%	$14.9M+20.8%	$12.3M+38.3%	$8.9M+141.9%	-$21.2M-443.1%	$6.2M+36.2%	$4.5M+493.1%	-$1.2M
EPS (Diluted)	N/A	$0.15+25.0%	$0.12+33.3%	$0.09	N/A	$0.06+50.0%	$0.04+500.0%	$-0.01

CLBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$11.0B+5.2%	$10.5B-1.6%	$10.6B+2.3%	$10.4B+12.8%	$9.2B+4.8%	$8.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$340.8M+17.8%	$289.2M-31.7%	$423.2M+136.2%	$179.2M+152.6%	$71.0M-83.2%	$423.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$110.7M0.0%	$110.7M0.0%	$110.7M0.0%	$110.7M+29.8%	$85.3M+6.3%	$80.3M
Total Liabilities	$9.9B+4.9%	$9.4B-2.2%	$9.6B+2.7%	$9.4B+14.9%	$8.1B+4.6%	$7.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.2B+9.5%	$1.1B-29.3%	$1.5B+35.6%	$1.1B+198.7%	$377.3M-52.8%	$799.4M
Total Equity	$1.2B+7.4%	$1.1B+3.8%	$1.0B-1.3%	$1.1B-2.4%	$1.1B+6.7%	$1.0B
Retained Earnings	$933.7M+5.9%	$882.0M-1.3%	$893.6M+4.2%	$857.5M+12.1%	$765.1M+13.7%	$673.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$11.0B+1.5%	$10.9B+1.1%	$10.7B+1.2%	$10.6B+1.3%	$10.5B-2.0%	$10.7B-0.7%	$10.8B+1.2%	$10.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$340.8M+34.5%	$253.4M+2.1%	$248.2M-3.1%	$256.1M-11.5%	$289.2M+2.0%	$283.5M-27.5%	$391.1M+4.7%	$373.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$110.7M	N/A	N/A	N/A	$110.7M	N/A	N/A	N/A
Total Liabilities	$9.9B+1.5%	$9.7B+1.0%	$9.6B+1.2%	$9.5B+1.2%	$9.4B-2.2%	$9.6B-1.1%	$9.7B+1.2%	$9.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.2B-6.3%	$1.3B-0.7%	$1.3B+14.9%	$1.1B+2.5%	$1.1B-23.9%	$1.4B-15.6%	$1.7B+10.0%	$1.5B
Total Equity	$1.2B+1.7%	$1.1B+1.8%	$1.1B+1.9%	$1.1B+1.8%	$1.1B+0.1%	$1.1B+3.1%	$1.0B+0.8%	$1.0B
Retained Earnings	$933.7M+1.7%	$918.0M+1.6%	$903.2M+1.4%	$890.9M+1.0%	$882.0M-2.3%	$903.2M+0.7%	$897.0M+0.5%	$892.4M

CLBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$68.4M+105.3%	$33.3M-18.2%	$40.7M-71.4%	$142.2M+44.0%	$98.7M+101.3%	$49.0M
Capital Expenditures	$9.8M+32.1%	$7.4M-2.5%	$7.6M+6.0%	$7.2M+31.2%	$5.5M+18.8%	$4.6M
Free Cash Flow	$58.6M+126.3%	$25.9M-21.8%	$33.1M-75.5%	$135.0M+44.8%	$93.2M+109.8%	$44.4M
Investing Cash Flow	-$454.2M-1250.7%	$39.5M-0.4%	$39.6M+106.4%	-$614.7M-38.6%	-$443.6M-272.2%	$257.6M
Financing Cash Flow	$437.3M+311.5%	-$206.8M-226.4%	$163.7M-71.8%	$580.8M+8288.8%	-$7.1M-117.4%	$40.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$13.4M+126.5%	$5.9M-92.7%	$80.5M-14.4%	$94.0M-12.8%	$107.8M-0.4%	$108.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$24.4M-21.2%	$31.0M+111.4%	$14.6M+1025.5%	-$1.6M-105.5%	$28.9M+202.2%	-$28.3M-252.3%	$18.6M+31.4%	$14.1M
Capital Expenditures	$2.4M-16.2%	$2.8M+64.9%	$1.7M-40.7%	$2.9M+79.0%	$1.6M-41.6%	$2.8M+101.7%	$1.4M-17.6%	$1.7M
Free Cash Flow	$22.0M-21.7%	$28.1M+117.6%	$12.9M+388.2%	-$4.5M-116.4%	$27.3M+187.8%	-$31.1M-280.6%	$17.2M+38.0%	$12.5M
Investing Cash Flow	-$51.4M+54.7%	-$113.5M+12.9%	-$130.2M+18.1%	-$159.0M-188.5%	$179.7M+1285.1%	$13.0M+112.5%	-$104.2M-112.4%	-$49.0M
Financing Cash Flow	$114.5M+30.5%	$87.7M-18.6%	$107.7M-15.5%	$127.5M+162.8%	-$202.9M-119.8%	-$92.3M-189.4%	$103.3M+794.6%	-$14.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$10.5M+270.6%	$2.8M	$0	$0	$0	$0-100.0%	$4.2M+156.8%	$1.7M

CLBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.0%+13.6pp	-2.6%-11.7pp	9.1%-18.7pp	27.8%-6.2pp	34.1%+14.6pp	19.5%
Return on Equity	4.5%+5.5pp	-1.1%-4.5pp	3.5%-4.7pp	8.2%-0.4pp	8.5%+2.8pp	5.7%
Return on Assets	0.5%+0.6pp	-0.1%-0.4pp	0.3%-0.5pp	0.8%-0.2pp	1.0%+0.4pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.02+0.0	1.00-0.5	1.47+0.4	1.07+0.7	0.35-0.4	0.79
FCF Margin	12.4%+6.7pp	5.7%-2.7pp	8.4%-35.2pp	43.6%+9.1pp	34.5%+19.5pp	15.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.9%+0.5pp	12.3%+1.8pp	10.6%+2.6pp	7.9%+26.6pp	-18.7%-24.0pp	5.3%+1.3pp	4.0%+5.1pp	-1.1%
Return on Equity	1.4%+0.1pp	1.3%+0.2pp	1.1%+0.3pp	0.8%+2.8pp	-2.0%-2.5pp	0.6%+0.1pp	0.4%+0.5pp	-0.1%
Return on Assets	0.1%0.0pp	0.1%+0.0pp	0.1%+0.0pp	0.1%+0.3pp	-0.2%-0.3pp	0.1%+0.0pp	0.0%+0.1pp	-0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.02-0.1	1.11-0.0	1.14+0.1	1.010.0	1.00-0.3	1.32-0.3	1.61+0.1	1.47
FCF Margin	18.1%-5.3pp	23.4%+12.3pp	11.1%+15.1pp	-4.0%-28.0pp	24.0%+50.8pp	-26.8%-42.0pp	15.2%+3.7pp	11.5%

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Frequently Asked Questions

What is Columbia Financ's annual revenue?

Columbia Financ (CLBK) reported $471.0M in total revenue for fiscal year 2025. This represents a 4.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Columbia Financ's revenue growing?

Columbia Financ (CLBK) revenue grew by 4.3% year-over-year, from $451.4M to $471.0M in fiscal year 2025.

Is Columbia Financ profitable?

Yes, Columbia Financ (CLBK) reported a net income of $51.8M in fiscal year 2025, with a net profit margin of 11.0%.

How much debt does Columbia Financ have?

As of fiscal year 2025, Columbia Financ (CLBK) had $340.8M in cash and equivalents against $1.2B in long-term debt.

What is Columbia Financ's net profit margin?

Columbia Financ (CLBK) had a net profit margin of 11.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Columbia Financ's return on equity (ROE)?

Columbia Financ (CLBK) has a return on equity of 4.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Columbia Financ's free cash flow?

Columbia Financ (CLBK) generated $58.6M in free cash flow during fiscal year 2025. This represents a 126.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Columbia Financ's operating cash flow?

Columbia Financ (CLBK) generated $68.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Columbia Financ's total assets?

Columbia Financ (CLBK) had $11.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Columbia Financ's capital expenditures?

Columbia Financ (CLBK) invested $9.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Columbia Financ buy back shares?

Yes, Columbia Financ (CLBK) spent $13.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Columbia Financ have outstanding?

Columbia Financ (CLBK) had 104M shares outstanding as of fiscal year 2025.

What is Columbia Financ's debt-to-equity ratio?

Columbia Financ (CLBK) had a debt-to-equity ratio of 1.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Columbia Financ's return on assets (ROA)?

Columbia Financ (CLBK) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Columbia Financ's Piotroski F-Score?

Columbia Financ (CLBK) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Columbia Financ's earnings high quality?

Columbia Financ (CLBK) has an earnings quality ratio of 1.32x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Columbia Financ?

Columbia Financ (CLBK) scores 50 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.