← Columbia Financial, Inc.
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.8m |
$28.4m
+190.02%
|
$35.3m
+24.14%
|
$32.7m
-7.41%
|
$38.0m
+16.11%
|
$39.0m
+2.65%
|
$31.4m
-19.30%
|
$30.5m
-3.06%
|
$36.2m
+18.59%
|
$267.0m
+638.63%
|
|
| Total interest income | $184.2m |
$226.3m
+22.83%
|
$261.1m
+15.38%
|
$295.7m
+13.26%
|
$270.1m
-8.64%
|
$309.7m
+14.63%
|
$395.0m
+27.55%
|
$451.4m
+14.29%
|
$471.0m
+4.33%
|
— | |
| Other non-interest income | $4.5m | $4.9m | $5.9m | $7.0m | $8.9m | $10.4m | $14.1m | $13.4m | $9.6m | — | |
| Total non-interest income | $17.2m | $21.7m | $31.6m | $31.3m | $38.8m | $30.4m | $27.4m | $1.9m | $37.1m | — | |
| Net interest income | $139.8m |
$164.0m
+17.35%
|
$172.4m
+5.08%
|
$221.6m
+28.54%
|
$233.1m
+5.22%
|
$266.8m
+14.43%
|
$205.9m
-22.83%
|
$178.0m
-13.55%
|
$221.6m
+24.53%
|
$226.6m
+2.26%
|
|
| Other non-interest expense | $14.2m | $5.6m | $11.8m | $21.5m | $8.9m | $5.5m | $1.4m | $3.4m | ($48k) | — | |
| Total non-interest expense | $103.4m | $145.4m | $128.7m | $158.1m | $155.7m | $174.8m | $182.4m | $181.3m | $180.9m | — | |
| Total interest expense | $44.4m | $62.3m | $88.7m | $74.1m | $37.0m | $42.9m | $189.1m | $273.4m | $249.3m | — | |
| Net interest income after provision for credit losses | $133.4m |
$157.4m
+18.00%
|
$168.1m
+6.86%
|
$203.1m
+20.80%
|
$243.1m
+19.67%
|
$261.3m
+7.49%
|
$201.1m
-23.04%
|
$163.5m
-18.68%
|
$211.8m
+29.52%
|
$226.6m
+7.00%
|
|
| Gain (loss) on securities transactions | ($1.7m) | $116k | $2.6m | $370k | $2.0m | $210k | ($10.8m) | ($35.9m) | $290k | — | |
| Gain on sale of loans | ($380k) | $618k | $785k | $5.4m | $10.8m | $178k | $1.2m | $906k | $928k | $433k | |
| Gain on sale of real estate owned | $233k | ($56k) | — | — | — | — | $0 | $0 | $281k | — | |
| Income (loss) before income tax expense (benefit) | $47.1m | $33.7m | $71.1m | $76.3m | $126.2m | $116.9m | $46.1m | ($15.9m) | $68.0m | — | |
| Income tax expense (benefit) | $16.0m | $10.9m | $16.4m | $18.7m | $34.1m | $30.7m | $10.0m | ($4.3m) | $16.2m | $18.7m | |
| Net income (loss) | $31.1m |
$22.7m
-26.83%
|
$54.7m
+140.66%
|
$57.6m
+5.27%
|
$92.0m
+59.80%
|
$86.2m
-6.38%
|
$36.1m
-58.12%
|
($11.7m)
-132.29%
|
$51.8m
+544.23%
|
$56.0m
+8.11%
|
|
| Earnings (loss) per share - basic (in dollars per share) | — | $0.20 | $0.49 | $0.52 | $0.88 | $0.82 | $0.35 | ($0.11) | $0.51 | — | |
| Earnings (loss) per share - diluted (in dollars per share) | — | $0.20 | $0.49 | $0.52 | $0.88 | $0.81 | $0.35 | ($0.11) | $0.51 | — | |
| Weighted average shares outstanding - basic (in shares) | — | — | 111.1m | 109.8m | 104.2m | 105.6m | 102.7m | 101.7m | 101.8m | — | |
| Weighted average shares outstanding - diluted (in shares) | — | — | 111.1m | 109.8m | 104.2m | 106.2m | 102.9m | 101.8m | 101.8m | — | |
| Loans receivable | $164.8m | $189.9m | $217.8m | $255.2m | $228.8m | $263.6m | $343.8m | $382.3m | $403.2m | — | |
| Debt securities available for sale and equity securities | $17.2m | $25.3m | $30.9m | $28.4m | $30.2m | $34.2m | $28.1m | $36.4m | $39.9m | — | |
| Debt securities held to maturity | $68k | $7.1m | $8.2m | $8.0m | $8.6m | $9.7m | $9.7m | $10.0m | $11.4m | — | |
| Federal funds and interest-earning deposits | $308k | $1.2m | $594k | $413k | $430k | $474k | $8.2m | $15.2m | $11.1m | — | |
| Federal Home Loan Bank stock dividends | $1.8m | $2.8m | $3.6m | $3.7m | $2.0m | $1.7m | $5.2m | $7.6m | $5.3m | — | |
| Deposits | $25.6m | $39.5m | $61.6m | $55.2m | $29.1m | $27.9m | $125.2m | $202.4m | $197.4m | — | |
| Borrowings | $18.9m | $22.7m | $27.2m | $18.9m | $7.9m | $15.0m | $63.9m | $71.1m | $51.9m | — | |
| Provision for credit losses | — | — | — | $18.4m | ($10.0m) | $5.5m | $4.8m | $14.5m | $9.8m | — | |
| Bank-owned life insurance | $4.9m | $5.2m | $5.8m | $6.6m | $6.0m | $7.4m | $10.1m | $7.3m | $8.2m | — | |
| Loan fees and service charges | — | — | — | — | $3.0m | $3.9m | $4.5m | $4.5m | $5.9m | — | |
| Change in fair value of equity securities | — | — | $305k | $767k | ($1.8m) | ($401k) | $695k | $2.6m | $873k | — | |
| Compensation and employee benefits | $63.0m | $77.2m | $84.3m | $100.7m | $99.5m | $116.9m | $120.8m | $109.5m | $119.2m | — | |
| Occupancy | $13.3m | $14.5m | $16.2m | $19.2m | $20.1m | $22.6m | $22.9m | $23.5m | $24.5m | $25.1m | |
| Federal deposit insurance premiums | $1.7m | $1.9m | $895k | $1.9m | $2.4m | $2.6m | $8.6m | $7.6m | $6.8m | — | |
| Advertising | $4.1m | $4.1m | $3.9m | $2.6m | $2.4m | $2.9m | $2.8m | $2.5m | $2.4m | — | |
| Professional fees | $1.4m | $4.6m | $5.9m | $5.8m | $7.4m | $8.2m | $9.8m | $14.2m | $10.8m | — | |
| Data processing and software expenses | $2.2m | $2.6m | $3.0m | $3.3m | $11.5m | $13.4m | $15.0m | $15.6m | $17.1m | — | |
| Merger-related expenses | $0 | $0 | $2.8m | $1.9m | $822k | $2.8m | $606k | $1.7m | $214k | — | |
| Loss on extinguishment of debt | — | $0 | $0 | $1.2m | $2.9m | $0 | $300k | $3.4m | $0 | $0 |