NASDAQ$CLBK

Columbia Financial Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Columbia Financial reported Q1 2025 revenue of $112.2M, net income of $8.9M, diluted EPS of $0.09.

For Q1 2025, Columbia Financial reported Revenue was $112.2M, net income was $8.9M, diluted EPS was $0.09. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Revenue $112.2M for Q1 2025.
  • Net income $8.9M.
  • Diluted EPS $0.09.

Headline financials

Total Revenue

$58.8M

Previous: $49.7M+18.4%
EPS (adj)

$0.09

Previous: -$0.01+1000.0%
Net interest margin

2.1%

No prior period
Provision for credit losses

$2.93M

No prior period
Non-interest expense

$43.8M

No prior period
Return on average assets

0.3%

No prior period
Efficiency ratio

74.6%

No prior period
Capital Expenditures

-$2.9M

Previous: -$1.67M-73.7%
Net Income

$8.9M

Previous: -$1.16M+870.6%
Operating Income

$12M

Previous: -$36.4M+133.0%

Revenue & EPS history

Columbia Financial · Revenue · Quarterly

$58.8M

Q1 2025+18.4%vs Q1 2024
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Forward guidance

The quarterly filing discusses operating priorities, capital allocation, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and liquidity.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-1.2%

Avg return

Earnings day

-0.9%

Avg return

5 days after

-0.4%

Avg return

30 days after

47%

15 / 32 earnings

Positive

+9.1%

Q1 2025

Best reaction

-14.0%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.4%+0.7%+6.7%
Q4 2025+9.0%+13.8%+12.8%
Q3 2025+7.1%+8.7%+5.9%
Q2 2025-1.9%-0.9%+3.2%
Q1 2025+9.1%+12.6%+6.2%
Q4 2024+2.3%-3.9%+1.2%
Q3 2024-2.5%+0.9%+9.0%
Q2 2024+0.1%-6.5%+0.1%
Q1 2024-12.3%-6.3%-13.2%
Q4 2023+1.0%-0.6%-11.8%
Q3 2023+2.9%+3.1%+9.2%
Q2 2023-10.4%-5.6%-9.5%
Q1 2023-6.9%-14.0%-13.2%
Q4 2022-8.8%-7.0%-1.4%
Q3 2022-14.0%-6.3%-0.1%
Q2 2022-6.9%-11.1%-5.5%
Q1 2022-7.4%-8.4%-1.4%
Q4 2021+3.1%+3.7%+2.5%
Q3 2021-1.2%-0.3%-2.5%
Q2 2021+2.8%+2.5%+4.3%
Q1 2021+0.9%+1.2%-2.5%
Q4 2020-1.9%-3.3%+2.1%
Q3 2020-4.0%+2.8%+15.7%
Q2 2020-0.1%-6.9%-13.5%
Q1 2020-2.8%-4.2%-3.2%
Q4 2019-0.1%+1.2%-7.5%
Q3 2019+3.2%+2.8%-0.7%
Q2 2019-1.7%-0.4%-4.6%
Q1 2019+0.8%+3.2%+0.5%
Q4 2018-0.4%-1.0%-1.2%
Q3 2018+2.1%+1.3%-0.5%
Q2 2018+0.1%+0.2%-0.6%
Q1 2018
Q3 2017
Q1 2017
Q4 2016

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