Columbia Financial, Inc.

CLBK

CLBKColumbia Financial, Inc. US flag

NASDAQ Global Select

21.48

USD

+0.07

- -

2.24BMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	144	157	- -	186	204	253	272	297	233	180	259
+ Sales & Services Revenue	144	157	- -	186	204	253	272	297	233	180	259
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	63	69	- -	83	89	105	104	122	132	120	128
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-63	-69	- -	-83	-89	-105	-104	-122	-132	-120	-128
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-50	-47	- -	-34	-71	-76	-126	-117	-46	16	-68
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-50	-47	- -	-34	-71	-76	-126	-117	-46	16	-68
Pretax Income	50	47	- -	34	71	76	126	117	46	-16	68
- Income Tax Expense (Benefit)	17	16	- -	11	16	19	34	31	10	-4	16
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	33	31	- -	23	55	58	92	86	36	-12	52
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	33	31	- -	23	55	58	92	86	36	-12	52
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	33	31	- -	23	55	58	92	86	36	-12	52
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	33	31	- -	23	55	58	92	86	36	-12	52
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	3	3	- -	4	5	10	12	13	14	15	15
EBITDA Margin (%)	2.28	2.21	- -	2.02	2.45	4.1	4.28	4.49	6.12	8.09	5.81
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	- -	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	22.89	19.8	- -	12.24	26.82	22.78	33.85	29	15.47	-6.48	20.01
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	3	3	- -	4	5	10	12	13	14	15	15
Basic Weighted Avg Shares	116	116	- -	111	111	110	104	106	103	102	102
Basic EPS, GAAP	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51
Basic EPS from Cont Ops	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51
Diluted Weighted Avg Shares	116	116	- -	111	111	110	104	106	103	102	102
Diluted EPS, GAAP	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51
Diluted EPS from Cont Ops	0.28	0.27	- -	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	817	658	776	1,075	1,174	1,740	1,775	1,508	1,517	1,315	1,142
+ Cash & Cash Equivalents	46	101	65	42	76	423	71	179	423	289	341
+ ST Investments	772	557	711	1,033	1,098	1,317	1,704	1,329	1,094	1,026	801
+ Accounts & Notes Receiv	13	15	16	19	22	29	28	34	39	40	41
+ Accounts Receivable, Net	13	15	16	19	22	29	28	34	39	40	41
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-831	-673	-792	-1,094	-1,196	-1,769	-1,803	-1,542	-1,556	-1,356	-1,184
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	38	41	43	52	73	76	79	84	84	82	83
+ Property, Plant & Equip	85	91	93	107	131	133	145	154	160	160	169
- Accumulated Depreciation	47	50	51	54	58	57	67	71	77	79	86
+ LT Investments & Receivables	772	690	950	1,297	1,387	1,585	2,136	1,754	1,499	1,425	1,525
+ LT Investments	772	690	950	1,297	1,387	1,585	2,136	1,754	1,499	1,425	1,525
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-810	-731	-993	-1,349	-1,460	-1,661	-2,215	-1,837	-1,582	-1,507	-1,608
+ Total Intangible Assets	6	6	6	6	69	87	92	125	123	121	120
+ Goodwill	6	6	6	6	61	80	85	111	111	111	111
+ Other Intangible Assets	- -	- -	- -	- -	8	7	6	14	13	10	10
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-816	-737	-999	-1,355	-1,528	-1,748	-2,307	-1,963	-1,706	-1,628	-1,728
Total Assets	5,037	5,429	5,766	6,692	8,189	8,799	9,224	10,408	10,646	10,475	11,019
+ Payables & Accruals	64	70	76	84	118	177	161	181	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	64	70	76	84	118	177	161	181	- -	- -	- -
+ ST Debt	127	240	46	160	108	- -	- -	- -	- -	- -	- -
+ ST Borrowings	127	240	46	160	108	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-191	-310	-122	-244	-226	-177	-161	-181	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-191	-310	-122	-244	-226	-177	-161	-181	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	505	453	873	1,030	1,299	799	377	1,127	1,529	1,081	1,183
+ LT Borrowings	505	453	873	1,030	1,299	799	377	1,127	1,529	1,081	1,183
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-505	-453	-873	-1,030	-1,299	-799	-377	-1,127	-1,529	-1,081	-1,183
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-505	-453	-873	-1,030	-1,299	-799	-377	-1,127	-1,529	-1,081	-1,183
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	4,598	4,953	5,294	5,720	7,206	7,787	8,145	9,355	9,605	9,395	9,858
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	- -	528	533	611	669	782	793	801	808
+ Common Stock	- -	- -	- -	1	1	1	1	1	1	1	1
+ Additional Paid in Capital	- -	- -	- -	527	532	610	668	781	791	799	807
- Treasury Stock	- -	- -	- -	- -	55	163	272	372	454	461	476
+ Retained Earnings	491	522	537	560	615	673	765	858	894	882	934
+ Other Equity	-51	-46	-65	-72	-69	-70	-46	-179	-159	-110	-76
Equity Before Minority Interest	440	476	472	972	983	1,011	1,079	1,054	1,040	1,080	1,161
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	440	476	472	972	983	1,011	1,079	1,054	1,040	1,080	1,161
Total Liabilities & Equity	5,037	5,429	5,766	6,692	8,189	8,799	9,224	10,408	10,646	10,475	11,019
Shares Outstanding	116	116	116	116	114	111	107	109	105	105	104
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	586	592	854	1,147	1,331	376	306	948	1,105	791	843
Net Debt to Equity	133.35	124.41	180.81	117.99	135.52	37.22	28.39	89.96	106.26	73.25	72.6
Tangible Common Equity Ratio	8.62	8.66	8.09	14.45	11.26	10.61	10.81	9.03	8.71	9.27	9.55
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2016	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	33	31	- -	23	55	58	92	86	36	-12	52
+ Depreciation & Amortization	3	3	- -	4	5	10	12	13	14	15	15
+ Non-Cash Items	20	5	- -	37	12	30	13	32	27	51	24
+ Stock-Based Compensation	- -	- -	- -	3	7	12	13	12	12	10	8
+ Deferred Income Taxes	3	-1	- -	-5	8	10	18	13	3	-6	14
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -
+ Other Non-Cash Adj	17	6	- -	40	-3	8	-17	7	11	46	2
+ Chg in Non-Cash Work Cap	3	-3	- -	-7	-50	-49	-18	10	-36	-21	-23
+ (Inc) Dec in Accts Receiv	-2	-2	- -	-3	-1	-7	2	-5	-5	-1	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	5	10	- -	8	3	33	2	25	3	-7	8
+ Inc (Dec) in Other	- -	-12	- -	-12	-52	-75	-22	-10	-34	-13	-29
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	59	36	- -	57	22	49	99	142	41	33	68
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	2	2	- -	1	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	2	2	- -	1	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-4	-7	- -	-13	-19	-5	-5	-7	-8	-7	-10
+ Acq of Fixed Prod Assets	-4	-7	- -	-13	-19	-5	-5	-7	-8	-7	-10
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	492	-56	-108	-108	-99	-81	-7	-14
+ Increase in Capital Stock	- -	- -	- -	492	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-56	-108	-108	-99	-81	-7	-14
+ Net Change in LT Investment	-96	63	- -	-355	-16	12	-375	269	273	83	-44
+ Dec in LT Investment	261	257	- -	90	262	317	496	440	398	529	262
+ Inc in LT Investment	-357	-193	- -	-445	-278	-306	-871	-170	-125	-446	-306
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	155	20	141	- -	- -	-1
+ Cash from Divestitures	- -	- -	- -	- -	- -	155	20	141	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-191	-387	- -	-575	-486	95	-86	-1,019	-226	-37	-399
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-291	-330	- -	-943	-521	258	-444	-615	40	39	-454
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	-45	78	- -	-41	-90	-271	-240	297	495	-214	71
+ Cash From Debt	10	168	- -	221	140	90	67	336	536	271	175
+ Repayments of Debt	-55	-90	- -	-262	-230	-361	-307	-39	-42	-485	-104
+ Other Financing Activities	279	271	- -	411	679	420	341	382	-250	14	380
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	234	350	- -	863	533	41	-7	581	164	-207	437
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	3	55	- -	-23	33	347	-352	108	244	-134	52
EBITDA	3	3	- -	4	5	10	12	13	14	15	15
EBITDA Margin (%)	2.28	2.21	- -	2.02	2.45	4.1	4.28	4.49	6.12	8.09	5.81
Free Cash Flow	55	30	- -	43	2	44	93	135	33	26	59
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	-155	-20	-141	- -	- -	1
Free Cash Flow to Firm	55	30	- -	43	2	44	93	135	33	- -	59
Free Cash Flow to Equity	- -	108	- -	3	-88	-226	-145	434	528	-187	129
Free Cash Flow per Basic Share	0.48	0.25	- -	0.39	0.02	0.4	0.89	1.28	0.32	0.25	0.58
Price/Free Cash Flow	- -	- -	- -	24.38	45.72	31.82	20.85	15.37	41.03	39.49	20.22
Cash Flow to Net Income	1.79	1.16	- -	2.49	0.4	0.85	1.07	1.65	1.13	-2.86	1.32
Capital Expenditures	-4	-7	- -	-13	-19	-5	-5	-7	-8	-7	-10