CLBK
Columbia Financial, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+36/100
Last price
11.13
▼ 0.20 (1.77%)
MARKET · —
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Tool
1D
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Open
—
Prev close
11.33
Day high
11.39
Day low
11.06
Volume
3.51M
Market cap
$3.00B
P/E (TTM)
19.19
52W range
6.21 – 12.00
Trailing performance
Returnvs SPY
1W
+2.30%
+0.3%
1M
-4.87%
-6.0%
3M
+17.83%
+13.3%
6M
+37.48%
+19.3%
YTD
+57.57%
+43.3%
1Y
+64.45%
+48.0%
3Y
+55.86%
-26.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CLBK open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+2.70M
Net buying
Buy transactions
1.61K
2.73M shares
Sell transactions
2
30.82K shares
Net transactions
+1.61K
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
79.25M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 18, 26 | KEMLY THOMAS J Chief Executive Officer |
STOCK | 160 | $1.86K | Direct |
| Sep 18, 26 | KLIMOWICH JOHN Officer |
STOCK | 59 | $685 | Direct |
| Sep 4, 26 | KEMLY THOMAS J Chief Executive Officer |
STOCK | 158 | $1.86K | Direct |
| Sep 4, 26 | KLIMOWICH JOHN Officer |
STOCK | 58 | $685 | Direct |
| Sep 4, 26 | HOLLAND NOEL R Director |
STOCK | 14 | $170 | Direct |
| Sep 3, 26 | HOLLAND NOEL R Director |
BUY | 20 | $234 | Direct |
| Sep 3, 26 | HOLLAND NOEL R Director |
STOCK | 20 | $0 | Direct |
| Aug 26, 26 | KEMLY THOMAS J Chief Executive Officer |
STOCK | 1.05K | $12.24K | |
| Aug 26, 26 | GIBNEY DENNIS E Officer and Director |
STOCK | 18 | $215 | Direct |
| Aug 26, 26 | KLIMOWICH JOHN Officer |
STOCK | 127 | $1.48K | |
| Aug 26, 26 | HOLLAND NOEL R Director |
STOCK | 127 | $1.49K | Direct |
| Aug 26, 26 | RANDALL ELIZABETH E Director |
STOCK | 211 | $2.46K | Direct |
| Aug 26, 26 | PRABHU MANESH BALACHANDRAN Chief Technology Officer |
STOCK | 9 | $112 | Indirect |
| Aug 26, 26 | SCHLESINGER ALLYSON KATZ Officer |
STOCK | 172 | $2.00K |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
GIBNEY DENNIS E |
Officer and Director | 624.40K | Stock Award(Grant) |
HOLLAND NOEL R |
Director | 226.44K | Stock Award(Grant) |
KEMLY THOMAS J |
Chief Executive Officer | 1.39M | Stock Award(Grant) |
KLEIN STEVEN M |
Chief Operating Officer | 891.28K | Purchase |
KLIMOWICH JOHN |
Officer | 355.24K | Stock Award(Grant) |
LEWIS OLIVER EDWARD JR. |
Officer | — | Stock Award(Grant) |
MASSOOD MICHAEL JR |
Director | — | Purchase |
RANDALL ELIZABETH E |
Director | 286.13K | Stock Award(Grant) |
SCHLESINGER ALLYSON KATZ |
Officer | — | Stock Award(Grant) |
VAN DYK ROBERT |
Director | 328.51K | Purchase |
Fundamentals
Market cap$3.00B
Enterprise value$3.15B
Revenue (TTM)$267.23M
Gross profit$267.23M
EBITDA—
Net income$58.15M
EPS (TTM)$0.58
Free cash flow—
Total cash$1.10B
Total debt$1.25B
Book value / share$5.23
Shares outstanding269.55M
Float261.78M
Short % of float10.05%
Dividend yield1.80%
Beta (5Y)0.26
Valuation & profitability ratios
Trailing P/E19.19
Forward P/E17.57
PEG ratio—
Price / sales—
Price / book2.13
EV / revenue11.78
EV / EBITDA—
Gross margin0.00%
Operating margin32.64%
Profit margin21.76%
Return on equity5.02%
Return on assets0.51%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $258.70M | $179.88M | $233.25M | $297.18M | +43.8% |
| Operating revenue | $258.70M | $179.88M | $233.25M | $297.18M | +43.8% |
| Selling, general & admin | $128.37M | $119.58M | $132.29M | $122.38M | +7.3% |
| Pre-tax income | $67.99M | -$15.91M | $46.05M | $116.88M | +527.3% |
| Tax provision | $16.22M | -$4.26M | $9.96M | $30.70M | +481.1% |
| Net income | $51.77M | -$11.65M | $36.09M | $86.17M | +544.2% |
| Net income to common | $51.77M | -$11.65M | $36.09M | $86.17M | +544.2% |
| Basic EPS | 0.51 | -0.11 | 0.35 | 0.82 | +563.6% |
| Diluted EPS | 0.51 | -0.11 | 0.35 | 0.81 | +563.6% |
| Basic shares | 101.81M | 101.68M | 102.66M | 105.58M | +0.1% |
| Diluted shares | 101.81M | 101.84M | 102.89M | 106.19M | -0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $340.81M | $289.22M | $423.25M | $179.23M | +17.8% |
| Accounts receivable | $41.49M | $40.38M | $39.34M | $33.90M | +2.7% |
| Property, plant & equipment | $82.98M | $81.77M | $83.58M | $83.88M | +1.5% |
| Goodwill & intangibles | $120.30M | $121.01M | $123.35M | $125.14M | -0.6% |
| Total assets | $11.02B | $10.48B | $10.65B | $10.41B | +5.2% |
| Long-term debt | $1.18B | $1.08B | $1.53B | $1.13B | +9.5% |
| Total debt | $1.18B | $1.08B | $1.53B | $1.13B | +9.5% |
| Total liabilities | $9.86B | $9.40B | $9.61B | $9.35B | +4.9% |
| Retained earnings | $933.72M | $881.95M | $893.60M | $857.52M | +5.9% |
| Shareholder equity | $1.16B | $1.08B | $1.04B | $1.05B | +7.4% |
| Net tangible assets | $1.04B | $959.37M | $916.99M | $928.45M | +8.4% |
| Shares issued | 131.62M | 131.41M | 131.16M | 130.90M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $51.77M | -$11.65M | $36.09M | $86.17M | +544.2% |
| Depreciation & amortisation | $15.03M | $14.56M | $14.27M | $13.35M | +3.3% |
| Stock-based compensation | $8.15M | $10.30M | $12.07M | $12.29M | -20.9% |
| Change in working capital | -$22.59M | -$20.90M | -$36.20M | $10.39M | -8.1% |
| Operating cash flow | $68.40M | $33.32M | $40.72M | $142.16M | +105.3% |
| Capital expenditure | -$9.84M | -$7.45M | -$7.63M | -$7.20M | -32.1% |
| Investing cash flow | -$454.16M | $39.47M | $39.65M | -$614.73M | -1,250.7% |
| Share buybacks | -$13.79M | -$6.71M | -$81.12M | -$98.61M | -105.5% |
| Financing cash flow | $437.35M | -$206.81M | $163.66M | $580.83M | +311.5% |
| Free cash flow | $58.56M | $25.88M | $33.08M | $134.95M | +126.3% |
| End cash position | $340.81M | $289.22M | $423.25M | $179.23M | +17.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $67.14M | $68.78M | $67.25M | $63.88M | $58.80M | -2.4% |
| Operating revenue | $67.14M | $68.78M | $67.25M | $63.88M | $58.80M | -2.4% |
| Selling, general & admin | $33.33M | $34.60M | $31.54M | $31.23M | $30.99M | -3.7% |
| Pre-tax income | $18.70M | $19.65M | $19.82M | $16.50M | $12.02M | -4.8% |
| Tax provision | $5.60M | $3.95M | $4.96M | $4.20M | $3.12M | +41.6% |
| Net income | $13.10M | $15.69M | $14.87M | $12.30M | $8.90M | -16.5% |
| Net income to common | $13.10M | $15.69M | $14.87M | $12.30M | $8.90M | -16.5% |
| Basic EPS | 0.13 | 0.15 | 0.15 | 0.12 | 0.09 | -13.3% |
| Diluted EPS | 0.13 | 0.15 | 0.15 | 0.12 | 0.09 | -13.3% |
| Basic shares | 101.27M | 101.43M | 102.03M | 101.99M | 101.82M | -0.2% |
| Diluted shares | 101.45M | 101.43M | 102.03M | 101.99M | 101.82M | +0.0% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $276.95M | $340.81M | $253.40M | $248.22M | $256.09M | -18.7% |
| Accounts receivable | $41.80M | $41.49M | $42.25M | $41.16M | $41.90M | +0.8% |
| Property, plant & equipment | $82.58M | $82.98M | $82.81M | $82.18M | $82.59M | -0.5% |
| Goodwill & intangibles | $119.68M | $120.30M | $120.91M | $120.00M | $120.49M | -0.5% |
| Total assets | $11.01B | $11.02B | $10.86B | $10.74B | $10.61B | -0.1% |
| Long-term debt | $1.24B | $1.18B | $1.26B | $1.27B | $1.11B | +5.1% |
| Total debt | $1.24B | $1.18B | $1.26B | $1.27B | $1.11B | +5.1% |
| Total liabilities | $9.84B | $9.86B | $9.71B | $9.62B | $9.51B | -0.2% |
| Retained earnings | $946.82M | $933.72M | $918.02M | $903.16M | $890.85M | +1.4% |
| Shareholder equity | $1.17B | $1.16B | $1.14B | $1.12B | $1.10B | +1.1% |
| Net tangible assets | $1.05B | $1.04B | $1.02B | $1.00B | $979.86M | +1.3% |
| Shares issued | 131.79M | 131.62M | 131.62M | 131.62M | 131.62M | +0.1% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $13.10M | $15.69M | $14.87M | $12.30M | $8.90M | -16.5% |
| Depreciation & amortisation | $3.94M | $3.87M | $3.82M | $3.69M | $3.65M | +2.0% |
| Stock-based compensation | $1.99M | $2.03M | $1.98M | $2.13M | $2.00M | -1.9% |
| Change in working capital | -$16.33M | -$17.41M | $9.48M | $2.17M | -$16.83M | +6.2% |
| Operating cash flow | $3.14M | $24.38M | $30.96M | $14.64M | -$1.58M | -87.1% |
| Capital expenditure | -$1.87M | -$2.38M | -$2.84M | -$1.72M | -$2.90M | +21.5% |
| Investing cash flow | -$56.91M | -$51.43M | -$113.46M | -$130.25M | -$159.02M | -10.6% |
| Share buybacks | -$103.00K | -$10.78M | -$2.84M | -$49.00K | -$130.00K | +99.0% |
| Financing cash flow | -$10.10M | $114.46M | $87.69M | $107.74M | $127.47M | -108.8% |
| Free cash flow | $1.27M | $22.00M | $28.12M | $12.92M | -$4.48M | -94.2% |
| End cash position | $276.95M | $340.81M | $253.40M | $248.22M | $256.09M | -18.7% |
Options analytics
Put / call volume
5.53
Put-heavy session
Put / call open interest
9.38
Positioning, not flow
Max pain
17.50
+57.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
15
Contracts, this expiry
Put volume
83
Contracts, this expiry
Heaviest call OI
17.50
11 contracts
Heaviest put OI
15.00
93 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.07 | 0.15 | +120.0% |
| Mar 2026 | 0.07 | 0.07 | -5.4% |
| Dec 2025 | 0.07 | 0.07 | +4.5% |
| Sep 2025 | 0.06 | 0.07 | +15.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.12 | 3 | $102.84M | +79.2% |
| Next quarter | 0.14 | 3 | $120.85M | +100.7% |
| Current year | 0.50 | 3 | $347.03M | +56.6% |
| Next year | 0.63 | 3 | $503.04M | +45.0% |
Analyst targets & ownership
Mean target$14.17
High target$14.50
Low target$14.00
Implied upside27.28%
Analyst count3
ConsensusNONE
Strong buy / Buy2 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders29.40%
Held by institutions4.76%
Institutions holding146
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
11.16
-0.30% from price
SMA 20
11.33
-1.80% from price
SMA 50
11.36
-2.05% from price
SMA 100
10.46
+6.38% from price
SMA 200
9.21
+20.85% from price
EMA 12
11.25
-1.03% from price
EMA 26
11.31
-1.55% from price
EMA 50
11.14
-0.08% from price
RSI (14)
44.9
Neutral
MACD (12,26,9)
-0.06
Hist -0.02
ATR (14)
0.26
2.34% of price
Realised vol 30D
20.0%
Annualised
Bollinger upper
11.76
20, 2σ
Bollinger lower
10.91
20, 2σ
50 / 200 cross
Golden
11.36 vs 9.21
Trend bias
Above 200
+20.85%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.57
Less volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
20.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-11.3%
Peak to trough
Max drawdown 5Y
-42.7%
Peak to trough
ATR 14
0.26
2.34% of price
Beta (reported)
0.26
5Y monthly, from filing
Short interest
Shares short
19.26M
Prior 17.50M
Change vs prior
+10.0%
Shorts adding
% of float
10.05%
Elevated
% of shares out
7.14%
Against total outstanding
Days to cover
5.9
Crowded exit
Float
261.78M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 17, 26 | Keefe, Bruyette & Woods | INITIATED | — | Outperform |
| Aug 11, 26 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Nov 24, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| May 1, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| May 1, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Mar 26, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jan 26, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 26, 23 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 11, 23 | Janney Montgomery Scott | INITIATED | — | Buy |
| Jul 28, 22 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Apr 28, 22 | Compass Point | DOWNGRADE | Buy | Neutral |
| Dec 2, 21 | Piper Sandler | UPGRADE | Neutral | Overweight |
Dividends & splits
Forward rate$0.20 / yr
Forward yield1.80%
5-year avg yield—
Payout ratio0.00%
Ex-dividend dateAug 12, 2026
Next pay dateAug 26, 2026
Last split22:10
Split dateJul 21, 2026
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-30
Offering Registrations
S-8 · 2026-07-29
Corporate Changes & Voting Matters
8-K/A · 2026-07-28
Notice of termination of registration of a class of securities under Section 12(g)
15-12G · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-07-02
Corporate Changes & Voting Matters
8-K · 2026-06-29
Annual report of employee stock purchase
11-K · 2026-06-25
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.