Private company

Columbia Financial, Inc.

American savings institution company, incorporated in Delaware1

In its 2026 annual report the company says: “Columbia Financial is the holding company of Columbia Bank, which is a federal savings bank.”14 It is headquartered in Fair Lawn, New Jersey.1

Last updated Oct 20, 2026.

Overview

  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersFair Lawn, New Jersey1
  • Incorporated inDE2
  • Business address19-01 Route 208 North, Fair Lawn, Nj 074102
  • Filer categoryAccelerated filer2

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456$51.8M in 2025−5% since 2019
-$50.0M0$50.0M$100.0M2019: $54.7M$54.7M20192020: $57.6M$57.6M2020+5%2021: $92.0M$92.0M2021+60%2022: $86.2M$86.2M2022−6%2023: $36.1M$36.1M2023−58%2024: -$11.7M-$11.7M20242025: $51.8M$51.8M2025
Fiscal year20192020202120222023202420252026
Interest$88.7M4$74.1M5$37.0M10$42.9M10$189.1M10
Income before tax$126.2M10$116.9M11$46.1M12-$15.9M12$68.0M12
Income tax$16.4M4$18.7M5$34.1M10$30.7M11$10.0M12-$4.3M12$16.2M12
Net income$54.7M4$57.6M5$92.0M6$86.2M6$36.1M6-$11.7M6$51.8M6
Earnings per share$0.494$0.525$0.8810$0.8211$0.3512-$0.1112$0.5112
Earnings per share (diluted)$0.494$0.525$0.8810$0.8111$0.3512-$0.1112$0.5112
Shares (weighted, basic)104.2M shares10105.6M shares11102.7M shares12101.7M shares12101.8M shares12
Shares (weighted, diluted)104.2M shares10106.2M shares11102.9M shares12101.8M shares12101.8M shares12

Compare Columbia Financial, Inc. with another company

Corporate structure

Columbia Financial, Inc. sits at the top of its group. 9 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • Columbia Financial, Inc. Fair Lawn, New Jersey
    • 19-01 Community Development Corporation Subsidiary · New Jersey, United States
    • 1901 Commercial Management Company LLC Subsidiary · New Jersey, United States
    • 1901 Residential Management Company LLC Subsidiary · New Jersey, United States
    • Columbia Insurance Services, Inc. Subsidiary · New Jersey, United States
    • Columbia Investment Services, Inc. Subsidiary · New Jersey, United States
    • First Jersey Title Services, Inc. Subsidiary · New Jersey, United States
    • Stewardship Realty LLC Subsidiary · New Jersey, United States
    • Stewardship Statutory Trust I Subsidiary · Delaware, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Columbia Financial, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$169.2M12 Dec 31, 2025$160.3M12 Dec 31, 2024+5.6%
Accumulated depreciation$86.3M12 Dec 31, 2025$78.5M12 Dec 31, 2024+9.8%
Property and equipment, net$83.0M12 Dec 31, 2025$81.8M12 Dec 31, 2024+1.5%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$340.8M12 Dec 31, 2025$289.2M12 Dec 31, 2024+17.8%
Equity securities at fair value$6.8M12 Dec 31, 2025$6.7M12 Dec 31, 2024+1.9%
Loans, net of allowance$8.2B12 Dec 31, 2025$7.9B12 Dec 31, 2024+4.7%
Deposits held (banks)$8.4B12 Dec 31, 2025$8.1B12 Dec 31, 2024+4.3%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$110.7M12 Dec 31, 2025$110.7M12 Dec 31, 20240%

Properties, in its own words

We conduct our business through Columbia Bank’s main office and 71 branch offices located in Bergen, Passaic, Morris, Essex, Union, Middlesex, Monmouth, Burlington, Camden, Gloucester, Somerset and Hunterdon Counties in New Jersey. We own 33 properties and lease the other 38 properties. First Jersey Title Services, Inc. and Columbia Insurance Services, Inc. operate within two of Columbia Bank’s branch facilities.

Item 2 of the 10-K filed Mar 6, 2026.14

Leadership

Who has led Columbia Financial, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Thomas J. Kemly2018–now

President

  1. Thomas J. Kemly2018–now

Chief financial officer

  1. Dennis E. Gibney2018–2026
  2. Thomas Splaine Jr.2026–now

Chief operating officer

  1. Edward Thomas Allen Jr.2018–2024
20202025
Board members and other officers (27)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 19-01 Community Development Corporation New Jersey**3
  • 1901 Commercial Management Company LLC New Jersey**3
  • 1901 Residential Management Company LLC New Jersey**3
  • Columbia Insurance Services, Inc. New Jersey**3
  • Columbia Investment Services, Inc. New Jersey**3
  • First Jersey Title Services, Inc. New Jersey**3
  • Stewardship Realty LLC New Jersey**3
  • Stewardship Statutory Trust I Delaware***3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 2, 20268-K Other events45
  2. Jun 25, 20268-K Shareholder vote46
  3. May 15, 20268-K Entered a material agreement47
  4. May 11, 20268-K Other events48
  5. Apr 27, 20268-K Executive or director change49
  6. Apr 23, 20268-K Executive or director change50
  7. Apr 20, 20268-K Results of operations51
  8. Feb 17, 20268-K Executive or director change52
  9. Feb 2, 20268-K Executive or director change53
  10. Feb 2, 20268-K Results of operations54
  11. Feb 2, 20268-K Entered a material agreement; Regulation FD disclosure55
  12. Nov 10, 20258-K Regulation FD disclosure56
  13. Apr 12, 2018New chief executive Thomas J. Kemly becomes CEO15

Calendar

When it reported results

  1. Apr 20, 2026Reported quarterly or annual results51
  2. Feb 2, 2026Reported quarterly or annual results54
  3. Oct 20, 2025Reported quarterly or annual results57
  4. Jul 30, 2025Reported quarterly or annual results58
  5. Apr 30, 2025Reported quarterly or annual results59
  6. Jan 28, 2025Reported quarterly or annual results60
  7. Oct 24, 2024Reported quarterly or annual results61
  8. Jul 31, 2024Reported quarterly or annual results62

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

1,133 filings to the SEC since October 2021: 7 annual reports, 15 quarterly reports, 69 major events, 1,020 insider forms, 22 other. The latest 20:

  1. Jul 21, 202615-12G EDGAR
  2. Jul 14, 20264 EDGAR
  3. Jul 14, 20264 EDGAR
  4. Jul 14, 20264 EDGAR
  5. Jul 2, 20268-K EDGAR
  6. Jun 30, 20264 EDGAR
  7. Jun 30, 20264 EDGAR
  8. Jun 30, 20264 EDGAR
  9. Jun 30, 20264 EDGAR
  10. Jun 25, 20263 EDGAR
  11. Jun 25, 20268-K EDGAR
  12. Jun 25, 202611-K EDGAR
  13. Jun 16, 20264 EDGAR
  14. Jun 16, 20264 EDGAR
  15. Jun 16, 20264 EDGAR
  16. Jun 16, 20264 EDGAR
  17. Jun 5, 202610-Q/A EDGAR
  18. Jun 2, 20264 EDGAR
  19. Jun 2, 20264 EDGAR
  20. May 21, 2026DEFM14A EDGAR

The 1,133 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

11 open-market trades by officers, directors and large owners since October 2021: 8 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Dec 12, 2024Holland Noel R.DirectorSale10,000$17.06$170.6KForm 4
Feb 22, 2024Van Dyk RobertDirectorBuy1,000$16.69$16.7KForm 4
May 2, 2023Klimowich JohnSEVP & Chief Risk OfficerBuy346$14.42$5.0KForm 4
Mar 14, 2023Kemly Thomas J.President & CEOBuy2,500$17.59$44.0KForm 4
Mar 14, 2023Gibney Dennis E.1st Sr. EVP, CBOBuy2,000$17.60$35.2KForm 4
Dec 5, 2022Randall Elizabeth E.DirectorSale5,709$21.22$121.1KForm 4
Dec 2, 2022Randall Elizabeth E.DirectorSale15,111$21.76$328.8KForm 4
Oct 31, 2022Massood Michael Jr.DirectorBuy2,908$20.55$59.8KForm 4
May 12, 2022Van Dyk RobertDirectorBuy1,000$19.72$19.7KForm 4
Mar 4, 2022VAN OSTENBRIDGE PAULDirectorBuy2,350$21.30$50.1KForm 4
Mar 4, 2022Schlesinger Allyson KatzSEVP&Head of Consumer BankingBuy2,344$21.36$50.1KForm 4

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2024Thomas J. Kemly67$900.0K$2.8M63
2024E. Thomas Allen, Jr.$505.0K$1.3M63
2024Dennis E. Gibney$445.5K$882.6K63
2024Allyson Schlesinger$420.0K$860.4K63
2024John Klimowich$400.0K$857.6K63
2023President and Chief ExecutiveOfficer$878.1K$3.7M63
2023SEVPChief Financial Officer$436.9K$996.7K63
2022President and Chief ExecutiveOfficer$859.9K$1.7M63
2022SEVPChief Financial Officer$428.5K$763.0K63

SEC filer profile

How Columbia Financial, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARColumbia Financial, Inc.1
  • CIK0001723596
  • Employer ID (EIN)22-350494614
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company14
  • Incorporated inDelaware14
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address19-01 Route 208 North, Fair Lawn, NJ 074101
  • Phone800-522-41671
  • Shares outstanding104,058,235 as of May 7, 20269
  • Public float$354.6M as of Jun 30, 202514
  • AuditorKPMG LLP, New York, New York PCAOB ID 185; it also attests to the company’s internal control over financial reporting14
  • On EDGAR sinceDec 5, 20171
  • Filings1,900 in all: 4 (1,668), 8-K (109), 3 (32), 10-Q (26), DEFA14A (9), 10-K (8), 11-K (8), DEF 14A (8)1
    All 28 form types

    4/A (3), 425 (3), ARS (3), S-8 (3), 10-K/A (2), 424B3 (2), CORRESP (2), S-1/A (2), 10-Q/A (1), 10-QT (1), 15-12G (1), 8-A12B (1), 8-K/A (1), CERT (1), DEFM14A (1), EFFECT (1), PRE 14A (1), S-1 (1), SC 13D (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2026
    Quarterly report (10-Q) May 11, 2026
    Proxy statement (DEF 14A) Apr 25, 2025
    Latest 8-K (8-K) Jul 2, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, par value $0.01 per shareCLBKThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Mar 6, 2026 (Section 12(b) of the Exchange Act).14

Risk factors and legal proceedings

The risks Columbia Financial, Inc. names in Item 1A of its 10-K filed Mar 6, 2026: 46 risks under these headings, as written.14

  • Risks Related to Our Pending Merger with Northfield
  • If the conversion is not consummated, our Merger with Northfield Bancorp will not take place.
  • If the Merger with Northfield Bancorp does not occur, the conversion and stock offering would be delayed or terminated.
  • The dilution caused by the issuance of shares of Columbia Financial, Inc.’s common stock in connection with the Merger may adversely affect the market price of Columbia Financial, Inc.’s common stock.
  • Combining Columbia Financial, Inc. and Northfield Bancorp may be more difficult, costly or time consuming than expected, and Columbia Financial, Inc. may not realize the anticipated benefits of the acquisition.
  • We and Northfield have, and the combined company following the closing of the Merger will, incur significant transaction and transaction-related costs in connection with the transactions contemplated by the Merger Agreement.
  • Regulatory approvals for the Merger may not be received, may take longer than expected or may impose conditions that are not currently anticipated or that could have an adverse effect on the combined company following the closing.
  • The Merger Agreement may be terminated in accordance with its terms and the Merger may not be completed, which could cause our results to be adversely affected, our stock price to decline or have a material and adverse effect on our stock price and results of operations.
  • The market price for the Holding Company’s common stock following the closing of the Merger may be affected by factors different from those that historically have affected or currently affect our common stock and Northfield common stock.
  • The future results of the combined company following the closing of the Merger may suffer if we do not effectively manage its expanded operations.
  • We and Northfield will be subject to business uncertainties and contractual restrictions while the Merger is pending.
  • The Merger will not be completed unless important conditions are satisfied or waived, including approval of the Merger by Northfield Bancorp stockholders, approval of the Merger and the conversion by Columbia Financial stockholders and depositors, and approval of the conversion by the members of Columbia Bank MHC.
The other 35 risks
  • Litigation against us or Northfield Bancorp, or the members of our board of directors or Northfield’s board of directors, could prevent or delay the completion of the Merger.
  • Risks Related to Our Lending Activities
  • Our multifamily and commercial real estate lending practices expose us to increased lending risks and related loan losses.
  • Imposition of limits by the bank regulators on commercial and multifamily real estate lending activities could curtail our growth and adversely affect our earnings.
  • Our origination of construction loans exposes us to increased lending risks.
  • Our concentration of residential mortgage loans exposes us to increased lending risks.
  • Our commercial business lending activities expose us to additional lending risks.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our results of operations would be negatively affected.
  • The geographic concentration of our loan portfolio and lending activities makes us vulnerable to a downturn in the New Jersey and metropolitan New York and Philadelphia economies.
  • Economic conditions could result in increases in our level of non-performing loans and/or reduce demand for our products and services, which could have an adverse effect on our results of operations.
  • Risks Related to Our Growth Strategies
  • Our business strategy includes growth, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Growing our operations could also cause our expenses to increase faster than our revenues.
  • We are subject to certain risks in connection with our strategy of growing through mergers and acquisitions.
  • We may be required to write down goodwill and other acquisition-related identifiable intangible assets.
  • Risks Related to Our Business and Industry Generally
  • Ineffective liquidity management could adversely affect our financial results and condition.
  • Changes in interest rates or the shape of the yield curve may hurt our profits and asset values and our strategies for managing interest rate risk may not be effective.
  • The fair value of our investments has declined materially in the past and could decline further due to a variety of factors.
  • Financial challenges at other banking institutions could lead to depositor concerns that spread within the banking industry causing disruptive and destabilizing deposit outflows.
  • Municipal deposits are an important source of funds for us and a reduced level of such deposits may hurt our profits.
  • We are dependent on our information technology and telecommunications systems and third-party service providers; systems failures, interruptions and cybersecurity breaches could have a material adverse effect on us.
  • Security breaches and cybersecurity threats could compromise our information and expose us to liability, which would cause our business and reputation to suffer.
  • We must keep pace with technological change to remain competitive.
  • Our business may be materially affected by the emergence of disruptive new technologies or approaches enabled
  • by the rapid pace of innovation unfolding in the artificial intelligence space.
  • Because the nature of the financial services business involves a high volume of transactions, we face significant operational risks.
  • The building of market share through our branch office strategy, and our ability to achieve profitability on new branch offices, may increase our expenses and negatively affect our earnings.
  • Strong competition within our market area could hurt our profits and slow growth.
  • Acts of terrorism and other external events could impact our ability to conduct business.
  • Climate change, severe weather, global pandemics, natural disasters, and other external events could significantly impact our business.
  • Rapidly evolving economic, social and political conditions or civil unrest in the United States, may affect the markets in which we operate, our customers, our ability to provide customer service, and could have a material adverse impact on our business, results of operations, or financial condition.
  • Regulation of the financial services industry is intense, and we may be adversely affected by changes in laws and regulations.
  • We may be unable to disclose some regulatory restrictions or limitations on our operations imposed by our regulators, even if material to our business.
  • As a larger financial institution, we are subject to additional regulation and increased supervision.
  • We face significant legal risks, both from regulatory investigations and proceedings, and from potential private actions brought against us.
  • Our ability to manage reputational risk is critical to attracting and maintaining customers, investors and employees and to the success of our business, and the failure to do so may materially adversely affect our performance.
  • We are subject to environmental, social and governance risks that could adversely affect our reputation and the
  • trading price of our common stock.

Legal proceedings

From time to time, we are involved in routine legal proceedings in the ordinary course of business. Such routine legal proceedings, in the aggregate, are believed by management to be immaterial to our financial condition, results of operations and cash flows.

The opening of Item 3, Legal Proceedings.14

Sources

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