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Columbia Financial (CLBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Columbia Financial (CLBK) Q3 2026 earnings results →
Q3 2026 Revenue up 49% year over year to $100M · 5¢ of every $1 of revenue kept as net profit · operating margin 1.1%
Columbia Financial made $100M in Q3 2026 (+49% Y/Y). Operating margin 1.1%, net earnings $5.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $100.5M in Q3 2026, up 49% year over year and up 36% from the previous quarter.
Operating profit was $1.1M, a 1.1% margin (down 28.3 points year over year). Operating profit fell $18.7M even though revenue rose $33.2M versus a year earlier, so costs grew faster than sales. Total costs grew 109% against revenue growth of 49%. The fastest-growing cost line was Noninterest expense (+116%). Net earnings were $5.2M, down 65% year over year. The tax line was a benefit of $4.1M on pre-tax earnings of $1.1M.
Operating cash flow was $49.3M (up 59% year over year), 942% of net earnings. Non-cash charges added back $1.1M of share-based compensation. Working capital and other items added $43.0M. Capital expenditures of $1.8M left free cash flow of $47.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $100M | +49% | 1.1% | $5.2M | $49.3M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Columbia Financial
The consolidated financial results include the accounts of Columbia Financial, Inc., its wholly-owned subsidiary Columbia Bank (the "Bank") and the Bank's wholly-owned subsidiaries. Columbia Financial, Inc. is a Maryland corporation organized as Columbia Bank's parent stock holding company. Columbia Bank is a federally chartered savings bank headquartered in Fair Lawn, New Jersey that operates more than 100 full-service banking offices and offers traditional financial services to consumers and businesses in its market area.
In its own words, from its 8-K, filed Jul 30, 2026.
Columbia Financial against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +49% against the peers' median +5%. Operating margin: 1.1% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CLBK Columbia Financial | Q3 2026 | $100M | +49% | 1.1% |
| HSBC HSBC Holdings | Q3 2026 | $18.6B | +5% | 51.7% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
Source: Columbia Financial 10-Q on SEC EDGAR · CIK 2115119 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns CLBK and who is buying
More on CLBK
History
Every quarter: Q3 2026 results