Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $33.0M | $31.1M | $22.7M | $54.7M | $57.6M | $92.0M | $86.2M | $36.1M | -$11.7M | $51.8M |
| EPS (diluted) | — | — | $0.20 | $0.49 | $0.52 | $0.88 | $0.81 | $0.35 | -$0.11 | $0.51 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $59.0M | $36.0M | $56.6M | $21.8M | $49.0M | $98.7M | $142M | $40.7M | $33.3M | $68.4M |
| Capital expenditures | $3.67M | $6.53M | $13.3M | $19.3M | $4.62M | $5.49M | $7.20M | $7.63M | $7.45M | $9.84M |
| Free cash flow | $55.3M | $29.5M | $43.3M | $2.48M | $44.4M | $93.2M | $135M | $33.1M | $25.9M | $58.6M |
| Share buybacks | — | $0.00 | $0.00 | $55.3M | $108M | $108M | $94.0M | $80.5M | $5.89M | $13.4M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $45.7M | $65.3M | $42.1M | $75.5M | $423M | $71.0M | $179M | $423M | $289M | $341M |
| Total assets | — | $5.77B | $6.69B | $8.19B | $8.80B | $9.22B | $10.4B | $10.6B | $10.5B | $11.0B |
| Total liabilities | — | $5.29B | $5.72B | $7.21B | $7.79B | $8.15B | $9.35B | $9.61B | $9.40B | $9.86B |
| Long-term debt | — | $929M | $1.19B | $1.41B | $799M | $377M | $1.13B | $1.53B | $1.08B | $1.18B |
| Shareholders' equity | $440M | $472M | $972M | $983M | $1.01B | $1.08B | $1.05B | $1.04B | $1.08B | $1.16B |
| Retained earnings | — | $537M | $560M | $615M | $673M | $765M | $858M | $894M | $882M | $934M |
| Shares (wtd avg diluted) | — | 116M | 111M | 111M | 110M | 104M | 106M | 103M | 102M | 102M |
Every figure is extracted from Columbia Financial, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.