Inferra AI / Company / CLBK
Columbia Financial, Inc./MD
CLBK · Financials
Last earnings Oct 29, 2026
Key results
Net incomequarter
$5.2 million
(the Company ) (NASDAQ CLBK), the holding company for Columbia Bank ( Columbia ), reported net income of $5.2 million, or $0.02 per basic and diluted share, for the quarter ended September 30, 2026, as compared to $14.9 million, or $0.07 per basic and diluted share, for the quarter ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Net incomeytd
$32.8 million
For the nine months ended September 30, 2026, the Company reported net income of $32.8 million, or $0.14 per basic and diluted share, as compared to $36.1 million, or $0.16 per basic and diluted share, for the nine months ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
For the quarter ended September 30, 2026, the Company reported core net income (a non-GAAP financial measure) of $40.6 million, or $0.16 per basic and diluted share, as compared to $15.4 million, or $0.07 per basic and diluted share for the quarter ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
For the nine months ended September 30, 2026, the Company reported core net income of $70.6 million, or $0.30 per basic and diluted share, as compared to $37.1 million, or $0.17 per basic and diluted share for the nine months ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Results of Operations for the Three Months Ended September 30, 2026 and September 30, 2025 Net income of $5.2 million was recorded for the quarter ended September 30, 2026, a decrease of $9.6 million compared to net income of $14.9 million for the quarter ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
net income was primarily attributable to a $23.8 million decrease in non-interest income and a $52.4 million increase in non-interest expense, partially offset by a $57.0 million increase in net interest income, a $512,000 decrease in provision for credit losses and a $9.1 million decrease in income tax expense.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Results of Operations for the Nine Months Ended September 30, 2026 and September 30, 2025 Net income of $32.8 million was recorded for the nine months ended September 30, 2026, a decrease of $3.3 million, or 9.0%, compared to net income of $36.1 million for the nine months ended September 30, 2025.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
net income was primarily attributable to a $24.8 million decrease in non-interest income, and a $60.6 million increase in non-interest expense partially offset by a $76.3 million increase in net interest income, a $645,000 decrease in provision for credit losses, and a $5.2 million decrease in income tax expense.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
AI analysis
Q3 2026 · reported Oct 29, 2026
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2026 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $5.2 million | $14.5 million | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Announces Q3 2026 Financial Results and Quarterly Cash Dividend Fair Lawn, New Jersey (October 29, 2026) Columbia Financial, Inc.
Event summary
Announces Q3 2026 Financial Results and Quarterly Cash Dividend Fair Lawn, New Jersey
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Announces Q3 2026 Financial Results and Quarterly Cash Dividend Fair Lawn, New Jersey (October 29, 2026) Columbia Financial, Inc.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The Company's Board of Directors declared a quarterly cash dividend of $0.05 per share to be paid on November 25, 2026, to stockholders of record as of November 10, 2026.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The average yield on other interest-earning assets for the quarter ended September 30, 2026 decreased 137 basis points to 3.87%, as compared to 5.24% for the quarter ended September 30, 2025, mainly due to an increase in the average balance of other interest-earning assets invested in lower earning interest-bearing cash accounts, coupled with a 91 basis point decrease in the dividend rate received on Federal Home Loan Bank stock.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The average yield on other interest-earning assets for the nine months ended September 30, 2026 decreased 126 basis points to 4.13%, as compared to 5.39% for the nine months ended September 30, 2025, mainly due to an increase in the average balance of other interest-earning assets invested in lower earning interest-bearing cash accounts, coupled with a lower dividend rate received on Federal Home Loan Bank stock.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The increase also included net income of $32.8 million, partially offset by dividends declared and paid of $12.9 million.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The acquisition of Northfield on July 20, 2026, added approximately $5.2 billion in total assets, $3.2 billion in loans receivable and $202.3 million in loans held-for-sale, $1.2 billion in securities, $646.4 million in borrowings, and $3.8 billion in deposits, inclusive of purchase accounting adjustments.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Strategy & priorities
We continue to believe that our approach to community relationship banking, and our disciplined focus on capital deployment will drive strong earnings growth and stockholder returns.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
The increase in each category of deposits largely reflected the impact of deposits acquired from Northfield while also reflecting an increase related to the impact of continuing business development and competitive pricing strategies.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Such statements may be identified by words such as believes, will, would, expects, projects, may, could, developments, strategic, launching, opportunities, anticipates, estimates, intends, plans, targets and similar expressions.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Risks & headwinds
These statements are based upon the current beliefs and expectations of the Company s management and are subject to significant risks and uncertainties.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Forward-looking statements are subject to numerous risks and uncertainties, including but not limited to, those set forth in Item 1A of the Company's Annual Report on Form 10-K and those set forth in the Company's Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, all as filed with the Securities and Exchange Commission (the SEC ), which are available at the SEC s website, www.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
What changed vs prior quarter
Net income — prior quarter passage and this quarter's passage are both cited.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Net income — prior quarter passage and this quarter's passage are both cited.
SEC original ↗Columbia Financial, Inc./MD — Earnings release (8-K exhibit)EX-99Oct 29, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
8 documentsEarnings releases
3 documentsPresentations
0 documentsNo presentations for Columbia Financial, Inc./MD are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Columbia Financial, Inc./MD are held in this edition of the library.
Mentioned by
1 companyOther tracked companies whose held documents mention Columbia Financial, Inc./MD by name or ticker. A mention is counted once per document, from the document text the library holds.
“s cash flow from primary sources of repayment. Note: Proxy Peers are AMTB, AUB, BUSE, BY, CLBK, CNOB, CVBF, DCOM,… …5 Pledged Non-Marketable Securities C&I Other US 80,500 1.2% Pass 5/15/2029 N/A N/A N/A 8.13 V No 6 Data Center Income Producing Const”
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