Columbia Financial | 10-Q: FY2025 Q3 Revenue: USD 130.28 M

Revenue: As of FY2025 Q3, the actual value is USD 130.28 M.

EPS: As of FY2025 Q3, the actual value is USD 0.15, beating the estimate of USD 0.13.

EBIT: As of FY2025 Q3, the actual value is USD -37.56 M.

Segment Revenue

• Interest Income: Total interest income for the nine months ended September 30, 2025 was $349,071 thousand, compared to $337,800 thousand for the same period in 2024.

Operational Metrics

• Net Interest Income: For the nine months ended September 30, 2025, net interest income was $161,414 thousand, compared to $131,555 thousand for the same period in 2024.
• Net Income: Net income for the nine months ended September 30, 2025 was $36,073 thousand, compared to $9,570 thousand for the same period in 2024.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities for the nine months ended September 30, 2025 was $44,016 thousand, compared to $4,421 thousand for the same period in 2024.
• Free Cash Flow: Net cash used in investing activities for the nine months ended September 30, 2025 was - $402,728 thousand, compared to - $140,259 thousand for the same period in 2024.

Unique Metrics

• Allowance for Credit Losses: The allowance for credit losses at September 30, 2025 was $65,659 thousand, compared to $59,958 thousand at December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue its focus on maintaining a strong credit quality and managing its loan portfolio effectively, with an emphasis on commercial real estate and multifamily loans.
• Non-Core Business: The company has announced a stock repurchase program to acquire up to 1,800,000 shares, reflecting a strategic focus on returning value to shareholders.