Columbia Financial
Community bank for deposits and real estate lending across New Jersey and New York.
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Profile
Provides deposit accounts, residential and commercial real estate loans, business credit, and related financial services through Columbia Bank. Earns mainly from the spread on loans and securities funded by deposits and borrowings, with an expanded New Jersey and New York City branch network and a real-estate-heavy loan book.
Operates Columbia Bank, a federally chartered savings bank serving consumers and businesses through 100-plus offices across New Jersey, Staten Island, and Brooklyn. Core products include checking and savings accounts, residential mortgages, multifamily and commercial real estate loans, construction and commercial business credit, and home-equity lending. Cash management, wealth management, title and settlement, and insurance services add fee income.
Builds customer relationships through local branches, regional lending teams, and digital banking, using deposits and borrowings to fund loans and securities. The completed Northfield acquisition expanded the branch and deposit franchise and brought the bank into New York metropolitan markets; combining operations and systems is now an execution dependency. Earnings are driven mainly by net interest spread, and the holding company depends on dividends from the regulated bank. The combined loan book remains weighted toward residential, multifamily, and commercial real estate.
Company facts
Categories
Key statistics
Year to date +64.8% · Average volume (30d) 9.8M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 17, 2026 | New Street | Target | $14 | |||
| Aug 17, 2026 | Capital One Financial | Target | $14 | |||
| Aug 17, 2026 | Keefe, Bruyette & Woods | Initiate | Outperform | |||
| Aug 11, 2026 | Piper Sandler | Upgrade | Neutral | Overweight | $17 | $14 |
| Nov 24, 2025 | Piper Sandler | Reiterate | Neutral | $17 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $0.07 | $0.15 | +120.0% | $71.2M | $73.7M | +3.6% | −1.28% |
| Apr 29, 2026Q1 FY26 | $0.07 | $0.07 | −7.7% | $60.9M | $67.1M | +10.2% | +1.04% |
| Apr 20, 2026Q1 FY26 | $0.16 | $0.15 | −6.3% | $61.7M | $67.1M | +8.9% | −2.27% |
| Feb 3, 2026Q4 FY25 | $0.07 | $0.07 | +1.3% | $59.2M | $68.8M | +16.2% | +5.28% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $120.6M | $126.7M | $129.7M | $130.4M | $122.0M | $122.3M | |
| Gross profit | $55.9M | $61.4M | $70.7M | $67.1M | $62.5M | $62.9M | |
| Operating income | $12.0M | $16.5M | $11.6M | $20.0M | $18.7M | $9.2M | |
| Net income | $8.9M | $12.3M | $14.9M | $15.7M | $13.1M | $14.5M | |
| Diluted EPS | $0.04 | $0.05 | $0.07 | $0.07 | $0.06 | $0.06 | |
| Gross margin | 46.3% | 48.5% | 54.5% | 51.4% | 51.3% | 51.5% | |
| Operating margin | 10.0% | 13.0% | 9.0% | 15.3% | 15.3% | 7.5% |
Fiscal years (4-quarter sums)FY21 $308.6M · FY22 $339.7M · FY23 $425.7M · FY24 $453.3M · FY25 $507.4M
Revenue by product · Q1 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $1.09B · Total debt $1.22B · Total assets $12.17B · Shareholders' equity $1.20B
Dividends
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 12, 2026 | Aug 12 | Aug 26 | $0.05 |
Ownership
Shares outstanding 223.43M · Float 56.62M · 25.3% free float
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Provident Financial Services
NJ super-community bank, ~$25B assets, dense CRE and retail overlap statewide
- OceanFirst
NJ-rooted bank ~$23.5B post-Flushing; NJ, NY metro, Long Island footprint
- Valley National Bancorp
Largest NJ-headquartered bank, ~$63B assets, statewide retail and CRE rival
- Kearny Financial
NJ savings bank holding co. ~$7.6B; multifamily and CRE concentration
- Dime Commercial Bancshares
NYC metro community bank ~$14.4B; Long Island, Brooklyn, Queens overlap
- ConnectOne Bancorp
NJ commercial bank ~$14B post-FLIC; relationship-driven CRE and C&I focus
- WSFS Bank
Delaware bank holding co. ~$22B; DE/PA/NJ banking and wealth platform
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Columbia Financial | $11.59 | +0.35% | $2.58B | 44.4 | 31.1 | 5.1 | +15.5% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| OceanFirst | $18.88 | −0.11% | $1.14B | 22.3 | 9.3 | 1.6 | +36.3% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Kearny Financial | $9.82 | 0.00% | $618.0M | 17.2 | 12.3 | 1.8 | +11.9% |
| Dime Commercial Bancshares | $40.47 | −0.02% | $1.79B | 14.6 | 10.7 | 2.4 | +17.1% |
| ConnectOne Bancorp | $31.73 | 0.00% | $1.60B | 9.9 | 9.1 | 2.6 | +46.0% |
| WSFS Bank | $78.30 | +0.03% | $4.08B | 13.1 | 11.9 | 3.0 | +5.6% |
| Median | 13.1 | 9.8 | 2.4 | +13.3% |