← Columbia Financial, Inc. CLBK
Market Price
$11.79
Market Cap
$1.22B
P/E Ratio
N/A
Revenue (FY 2025)
↑18.6% YoY
$36.15M
3-Yr CAGR: -2.5%
Net Income
↑544.2% YoY
$51.77M
Net Margin: 143.2%
Free Cash Flow
↑116.1% YoY
$58.56M
FCF Yield: 4.81%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
4.5%
ROA: 0.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CLBK)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2018: Revenue YoY (+190.0%) is identical to Gross Profit YoY (+190.0%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (+24.1%) is identical to Gross Profit YoY (+24.1%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (-7.4%) is identical to Gross Profit YoY (-7.4%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+16.1%) is identical to Gross Profit YoY (+16.1%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+2.6%) is identical to Gross Profit YoY (+2.6%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (-19.3%) is identical to Gross Profit YoY (-19.3%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (-3.1%) is identical to Gross Profit YoY (-3.1%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+18.6%) is identical to Gross Profit YoY (+18.6%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2017 | $9.8M | — | $9.8M | $31.1M | — | — | — | $36.0M | $36.0M | — |
| FY 2018 | $28.4M | +190.0% | $28.4M | $22.7M | -26.8% | — | — | $60.2M | $60.2M | +67.1% |
| FY 2019 | $35.3M | +24.1% | $35.3M | $54.7M | +140.7% | — | — | $123.8M | $123.8M | +105.6% |
| FY 2020 | $32.7M | -7.4% | $32.7M | $57.6M | +5.3% | — | — | $47.9M | $47.9M | -61.3% |
| FY 2021 | $38.0M | +16.1% | $38.0M | $92.0M | +59.8% | — | — | $98.7M | $98.7M | +106.1% |
| FY 2022 | $39.0M | +2.6% | $39.0M | $86.2M | -6.4% | — | — | $142.2M | $136.7M | +38.5% |
| FY 2023 | $31.4M | -19.3% | $31.4M | $36.1M | -58.1% | — | — | $40.7M | $33.1M | -75.8% |
| FY 2024 | $30.5M | -3.1% | $30.5M | $-11.7M | -132.3% | — | — | $33.3M | $27.1M | -18.1% |
| FY 2025 | $36.2M | +18.6% | $36.2M | $51.8M | +544.2% | — | — | $68.4M | $58.6M | +116.1% |
Valuation
Market Price
$11.79
Market Cap
$1.22B
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
1.06
FCF Yield
4.81%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
12.66%
Operating Margin
331.24%
Net Margin
143.18%
Return on Equity (ROE)
4.46%
Return on Assets (ROA)
0.47%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
-2.47%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$340.81M
Total Debt
N/A
Book Value / Share
$11.16
Cash Flow Efficiency
Operating Cash Flow
$68.40M
Capital Expenditures (CapEx)
$9.84M
Free Cash Flow
$58.56M
OCF / Revenue
189.18%
FCF / Revenue
161.98%
FCF 3-Yr CAGR
-24.62%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$11.16
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$11.02B
Total Liabilities
$11.02B
Stockholders' Equity
$1.16B
Current Assets
N/A
Current Liabilities
N/A