• Columbia Financial, Inc. (NASDAQ: CLBK) reported EPS of $0.152, beating the estimated $0.15, and revenue of $68.8 million, surpassing the $60.7 million estimate.
• The company has consistently exceeded consensus EPS and revenue estimates, marking a significant improvement from the previous year.
• Financial metrics reveal a high valuation with a P/E ratio of approximately 270.60 and a debt-to-equity ratio of about 1.11, indicating moderate debt levels.

Columbia Financial, Inc. (NASDAQ:CLBK), the mid-tier holding company for Columbia Bank, operates within the Zacks Financial - Miscellaneous Services industry. The company recently announced its financial results for the fourth quarter and year ended December 31, 2025. CLBK reported earnings per share (EPS) of $0.152, surpassing the estimated $0.15, and revenue of approximately $68.8 million, exceeding the estimated $60.7 million.

The company's EPS of $0.152 aligns with the Zacks Consensus Estimate, marking an improvement from the previous year's $0.11 per share. This quarter, Columbia Financial achieved an earnings surprise of 3.45%. In the previous quarter, the company exceeded expectations with a 15.38% surprise, posting earnings of $0.15 per share against an anticipated $0.13. Over the past four quarters, CLBK has surpassed consensus EPS estimates three times.

Columbia Financial's revenue for the quarter ending December 2025 was $68.78 million, exceeding the Zacks Consensus Estimate by 1.37%. This represents a significant increase from the $57.31 million reported in the same quarter the previous year. The company has consistently surpassed consensus revenue estimates three times in the last four quarters, demonstrating strong financial performance.

The company's net income for the quarter was $15.7 million, or $0.152 per share, a significant turnaround from a net loss of $21.2 million, or $0.21 per share, in the same quarter of the previous year. This improvement was driven by higher net interest income, resulting from increased interest income and decreased interest expenses, alongside a reduction in credit loss provisions and an increase in non-interest income. However, these gains were partially offset by higher income tax expenses.

Columbia Financial's financial metrics indicate a high valuation, with a price-to-earnings (P/E) ratio of approximately 270.60 and a price-to-sales ratio of about 3.97. The enterprise value to sales ratio is around 6.13, and the enterprise value to operating cash flow ratio is approximately 39.25. The company's earnings yield is about 0.37%, and the debt-to-equity ratio is approximately 1.11, showing a moderate level of debt compared to its equity. The current ratio is around 0.13, suggesting potential liquidity challenges in meeting short-term obligations.