Columbia Financial (CLBK)
Community bank for deposits and real estate lending across New Jersey and New York.
$11.27
vs last close−0.11 (−0.97%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 107 | 122 | 116 | 122 | 125 | 90 | 121 | 127 | 130 | 130 | 122 | 122 |
| Cost of revenue | 52 | 67 | 72 | 71 | 75 | 70 | 65 | 65 | 59 | 63 | 59 | 59 |
| Gross profit | 55 | 55 | 44 | 51 | 50 | 20 | 56 | 61 | 71 | 67 | 63 | 63 |
| 43 | 48 | 46 | 46 | 43 | 47 | 44 | 45 | 59 | 47 | 44 | 54 | |
| 31 | 34 | 30 | 30 | 30 | 29 | 31 | 4 | 6 | 33 | 2 | 49 | |
| Selling & marketing | 1 | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 2 | 1 | 1 | 0 |
| General & administrative | 30 | 33 | 30 | 30 | 29 | 28 | 30 | 4 | 4 | 32 | 1 | 49 |
| Other expenses | 12 | 14 | 15 | 16 | 13 | 18 | 13 | 41 | 53 | 14 | 42 | 4 |
| Operating income | 12 | 7 | −1 | 5 | 7 | −27 | 12 | 17 | 12 | 20 | 19 | 9 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11 | |
| Interest income | 97 | 109 | 107 | 111 | 114 | 112 | 111 | 115 | 120 | 122 | 119 | 0 |
| Interest expense | 50 | 66 | 66 | 69 | 71 | 67 | 62 | 63 | 49 | 62 | 58 | 0 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −11 |
| Income before tax | 12 | 7 | −1 | 5 | 7 | −27 | 12 | 17 | 12 | 20 | 19 | 20 |
| Income tax expense | 3 | 1 | 0 | 0 | 1 | −6 | 3 | 4 | −3 | 4 | 6 | 6 |
| Net income from continuing operations | 9 | 7 | −1 | 5 | 6 | −21 | 9 | 12 | 15 | 16 | 13 | 14 |
| Net income | 9 | 7 | −1 | 5 | 6 | −21 | 9 | 12 | 15 | 16 | 13 | 14 |
| EPS, basic | $0.09 | $0.03 | −$0.00 | $0.02 | $0.03 | −$0.10 | $0.04 | $0.05 | $0.07 | $0.07 | $0.06 | $0.07 |
| EPS, diluted | $0.09 | $0.03 | −$0.00 | $0.02 | $0.03 | −$0.10 | $0.04 | $0.05 | $0.07 | $0.07 | $0.06 | $0.06 |
| Weighted average shares, basic | 102 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 223 | 223 | 223 |
| Weighted average shares, diluted | 102 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 223 | 223 | 223 |
| EBITDA | 15 | 11 | 2 | 8 | 11 | −23 | 16 | 20 | 13 | 24 | 23 | 20 |
| Depreciation & amortization | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 1 | 4 | 4 | 0 |
| EBIT | 12 | 7 | −1 | 5 | 7 | −27 | 12 | 17 | 12 | 20 | 19 | 20 |