Filing Flows › Columbia Financial (CLBK) › Q3 2026
Columbia Financial (CLBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Columbia Financial (CLBK) reported revenue of $100M for the third quarter 2026 (Q3 2026), +49% from a year earlier and +36% from the quarter before. Operating margin was 1.1%, net earnings $5.2M (5.2% of revenue).
Columbia Financial, Q3 2026: revenue $100M (+49% year over year), operating margin 1.1%, net earnings $5.2M, operating cash flow $49.3M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $100M | +36% | +49% |
| Operating profit | $1.1M | -94% | -94% |
| Net earnings | $5.2M | -64% | -65% |
| Operating cash flow | $49.3M | — | +59% |
| Free cash flow | $47.5M | — | +69% |
What changed
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.
Questions
What was Columbia Financial's revenue in the third quarter 2026?
Columbia Financial (CLBK) reported revenue of $100M for the third quarter 2026 (Q3 2026), +49% from a year earlier and +36% from the quarter before.
Was Columbia Financial profitable in the third quarter 2026?
Operating profit was $1.1M (1.1% of revenue) and net earnings $5.2M.
Source: Columbia Financial 10-Q on SEC EDGAR.