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Columbia Financial, Inc./MD/ (NASDAQ:CLBK)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
10.89+0.04 (+0.37%)
Market cap
$2.43B
Insider Score
Health Score
Analyst consensus
Listed since
Apr 23, 2018
Website
Insider Score
/ 100
CLBK Insider Score
Columbia Financial, Inc./MD/ has a live Insider Score.
Scored on 1 qualifying trade from 1 insider in the last 90 days.
Financial Health Score
Strong
From CLBK’s reported statements · Q2 2026 (trailing 12 months)
Profitability16 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $504.4M
- Net income
- $58.1M
- Net margin
- 11.5%
Leverage12 / 20
A manageable debt load.
- Total debt
- $1.22B
- Cash
- $1.09B
- Net debt / EBITDA
- 1.57x
Liquidity20 / 20
Comfortably covers what is due within a year.
- Current assets
- $1.13B
- Current liabilities
- $2.6M
- Current ratio
- 435.71
Cash generation19 / 20
The business funds itself from operations.
- Operating cash flow
- $78.4M
- Free cash flow
- $68.8M
- FCF margin
- 13.6%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 222.8M
- Share growth (1y)
- -0.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CLBK Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 122.25 M | 121.97 M | 130.44 M | 129.70 M | 126.66 M | 120.63 M |
| Revenue Growth (YoY) | -3.48 % | 1.11 % | 45.08 % | 3.87 % | 3.43 % | 3.92 % |
| Cost of Revenue | 59.33 M | 59.44 M | 63.37 M | 59.04 M | 65.26 M | 64.77 M |
| Gross Profit | 62.92 M | 62.54 M | 67.06 M | 70.67 M | 61.41 M | 55.86 M |
| SG&A Expense | 49.42 M | 2.04 M | 33.20 M | 6.27 M | 4.08 M | 30.99 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 53.73 M | 43.84 M | 47.05 M | 59.04 M | 44.91 M | 43.84 M |
| Operating Income | 9.19 M | 18.70 M | 20.01 M | 11.63 M | 16.50 M | 12.02 M |
| Pretax Income | 20.02 M | 18.70 M | 20.01 M | 11.63 M | 16.50 M | 12.02 M |
| Tax Provision | 5.53 M | 5.60 M | 4.32 M | -3.24 M | 4.20 M | 3.12 M |
| Net Income | 14.49 M | 13.10 M | 15.69 M | 14.87 M | 12.30 M | 8.90 M |
| EPS (Basic) | 0.07 | 0.06 | 0.07 | 0.07 | 0.05 | 0.04 |
| EPS (Diluted) | 0.06 | 0.06 | 0.07 | 0.07 | 0.05 | 0.04 |
| Shares Outstanding | 222.79 M | 222.79 M | 223.14 M | 224.47 M | 224.18 M | 224.00 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.