What is the 13F Pro Quality Score for CLBK?

13F Pro ranks Columbia Financial, Inc. (CLBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CLBK's current score at https://13fpro.ai/research/CLBK (free sign-up required for the full ranking).

Where does 13F Pro source CLBK data?

All Columbia Financial, Inc. fundamentals and ownership data come directly from SEC EDGAR. Columbia Financial, Inc. files with the SEC under CIK 1723596. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CLBK in?

Columbia Financial, Inc. (CLBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CLBK research updated on 13F Pro?

CLBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Columbia Financial, Inc.(CLBK)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CLBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Columbia Financial, Inc. (CLBK), a Financials sector company. CLBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Columbia Financial, Inc. reports quarterly revenue of $67.1M, net income of $13.1M, an operating margin of 27.9%. Top institutional holders of CLBK by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CLBK trades on the Nasdaq exchange and files with the SEC under CIK 1723596. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CLBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Columbia Financial, Inc. directly from SEC EDGAR.

Revenue

Q1 2026

$67.1M

Net Income

Q1 2026

$13.1M

Free Cash Flow

Q1 2026

$1.3M

Operating Margin

Q1 2026

27.9%

ROIC

Q1 2026

0.8%

D/E Ratio

Q1 2026

1.06

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-39.9% YoY

$51.8MFY 2025

FY19 $54.7MFY21 $92.0MFY22 $86.2MFY25 $51.8M

EPS (Diluted)

-37.0% YoY

$0.51FY 2025

FY19 $0.49FY21 $0.88FY22 $0.81FY25 $0.51

Total Assets

+5.9% YoY

$11.02BFY 2025

FY19 $8.19BFY21 $9.22BFY22 $10.41BFY25 $11.02B

Total Debt

+5.0% YoY

$1.18BFY 2025

FY19 $1.41BFY21 $377.3MFY22 $1.13BFY25 $1.18B

Op. Cash Flow

-51.9% YoY

$68.4MFY 2025

FY19 $21.8MFY21 $98.7MFY22 $142.2MFY25 $68.4M

Metric	FY 2025	FY 2022	FY 2021	FY 2019	FY 2018
Net Income	$51.8M -39.9%	$86.2M -6.4%	$92.0M +68.2%	$54.7M +140.7%	$22.7M
EPS (Diluted)	$0.51 -37.0%	$0.81 -8.0%	$0.88 +79.6%	$0.49 +145.0%	$0.20
Total Assets	$11.02B +5.9%	$10.41B +12.8%	$9.22B +12.6%	$8.19B +22.4%	$6.69B
Total Debt	$1.18B +5.0%	$1.13B +198.7%	$377.3M -73.2%	$1.41B +18.3%	$1.19B
Operating Cash Flow	$68.4M -51.9%	$142.2M +44.0%	$98.7M +352.3%	$21.8M -61.4%	$56.6M

AI Insight: CLBK Financial Trends

Profitability stabilized and debt declined, but recent quarter showed softening net income and operating cash flow.

• Net income improved from $5M in Q2 2024 to $16M in Q4 2025, then declined to $13M in Q1 2026.

• Total debt fell from $1,684M in Q2 2024 to $1,243M in Q1 2026, reducing leverage by 26%.

• Equity grew steadily from $1,047M to $1,174M over the period, strengthening the balance sheet.

⚠ Operating cash flow declined to $3M in Q1 2026 from $24M in Q4 2025—weakest in six quarters.

⚠ Net income dropped 19% quarter-over-quarter from Q4 2025 to Q1 2026, signaling potential operational softness.

AI Insight: CLBK Ratio Trends

Columbia Financial rebounded from Q4 2024 losses to sustain mid-single-digit returns, with ROE and ROIC recovering to 4.5% and 3.1% in Q1 2026.

• ROE improved from -7.9% in Q4 2024 to 5.4% in Q4 2025, signaling recovery in profitability after a sharp loss quarter.

• ROIC stabilized at 3.1%–3.4% range through Q3–Q4 2025, up from 0.7% in Q2 2024, showing consistent capital efficiency gains.

• Leverage improved: D/E fell from 1.61 in Q2 2024 to 1.06 in Q1 2026, reducing financial risk materially.

⚠ ROE and ROIC both declined from Q4 2025 peaks (5.4%, 3.4%) to Q1 2026 (4.5%, 3.1%), suggesting seasonal softness or earnings headwinds.

⚠ Absolute returns remain low: TTM ROE of 4.8% and ROA of 0.5% lag industry peers, limiting shareholder value creation.

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Available Research

13F Pro tracks comprehensive data for Columbia Financial, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CLBK

BlackRock, Inc.
$40.4M2,309,717 sh
DIMENSIONAL FUND ADVISORS LP
$35.7M2,040,794 sh
VANGUARD CAPITAL MANAGEMENT LLC
$21.0M1,201,220 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$19.1M1,091,647 sh
STATE STREET CORP
$16.1M918,325 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.3M756,945 sh
RENAISSANCE TECHNOLOGIES LLC
$11.8M676,066 sh
Ursa Fund Management, LLC
$8.8M500,000 sh
MORGAN STANLEY
$6.2M354,266 sh
NORTHERN TRUST CORP
$4.2M242,694 sh

Fund	Value	Shares
BlackRock, Inc.	$40.4M	2,309,717
DIMENSIONAL FUND ADVISORS LP	$35.7M	2,040,794
VANGUARD CAPITAL MANAGEMENT LLC	$21.0M	1,201,220
VANGUARD PORTFOLIO MANAGEMENT LLC	$19.1M	1,091,647
STATE STREET CORP	$16.1M	918,325
GEODE CAPITAL MANAGEMENT, LLC	$13.3M	756,945
RENAISSANCE TECHNOLOGIES LLC	$11.8M	676,066
Ursa Fund Management, LLC	$8.8M	500,000
MORGAN STANLEY	$6.2M	354,266
NORTHERN TRUST CORP	$4.2M	242,694

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Is CLBK a good stock to buy?

13F Pro's AI-powered analysis of Columbia Financial, Inc. (CLBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CLBK are available on the CLBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CLBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CLBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Columbia Financial, Inc.'s investment landscape.