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fee tiers disclosed","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["KBW receives 1.0% fee on subscription offering and 2.0% on community offering.","Underwriting discount for firm commitment offering: up to 5% for proceeds <$300M, down to 3.15% for >$700M.","Shares sold under S-1 registration statement (333-294103); prospectus dated May 11, 2026.","No fee on shares purchased by directors, officers, employees, or benefit plans."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":13083,"accession_number":"0001723596-26-000021","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-05-11T20:11:06+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial starts conversion offering (up to 192.6M shares at $10); gets approvals for Northfield Bank buy","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Offering of up to 192,625,000 shares of common stock at $10.00 per share.","Minimum requirement of 142,375,000 shares to complete the conversion and offering.","Conditional approvals from Federal Reserve and OCC for acquisition of Northfield Bancorp.","Stock offering expected to commence on or about May 21, 2026.","Offering prioritizes eligible depositors, borrowers, ESOP, then community and public."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95004,"accession_number":"0001723596-26-000017","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Columbia Financial enters new employment agreements with five top executives","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gibney base salary $700k; Schlesinger $470k; Klimowich $445k; Lewis $440k; Prabhu $430k.","Agreements effective April 1, 2026, with two-year term and annual auto-renewal.","Severance: 2x base + target bonus for non-CIC termination; 3x for CIC-related termination within 24 months.","Executives eligible for annual bonus under PAIP and equity awards under LTIP.","Post-employment restrictive covenants: 24-month non-compete and non-solicitation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95003,"accession_number":"0001723596-26-000015","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Columbia Financial designates CFO Thomas Splaine as principal financial and accounting officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board named Thomas Splaine, Jr., EVP and CFO, as principal financial officer and principal accounting officer effective April 17, 2026.","Designation formalizes Splaine's SEC reporting role after his appointment as CFO on January 28, 2026.","No departure; prior CFO Dennis Gibney remains as First Senior EVP and Chief Banking Officer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95002,"accession_number":"0001723596-26-000013","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q1 net income $13.1M ($0.13/share), up 47% YoY; net interest margin expands to 2.42%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $13.1M ($0.13 per share) for Q1 2026, up 47.2% from $8.9M ($0.09) in Q1 2025.","Net interest margin improved 31 bps YoY to 2.42%, driven by higher loan yields and lower deposit costs.","Provision for credit losses decreased 67.4% to $1.0M; net recoveries of $604K vs net charge-offs of $857K last year.","Non-interest expense rose 8.3% to $47.5M, including $1.8M in merger-related costs and higher compensation."],"consensus_eps_estimate":0.1581,"consensus_eps_actual":0.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107769,"accession_number":"0001723596-26-000006","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-02-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Paul Van Ostenbridge to retire at 2026 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Paul Van Ostenbridge notified Columbia Financial of retirement from boards of company and Columbia Bank.","Retirement effective upon expiration of his current term at the 2026 annual meeting of shareholders.","Retirement is not due to any disagreement with the company or bank regarding operations, policies, or procedures."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107768,"accession_number":"0001723596-26-000004","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q4 net income $15.7M vs year-ago loss $21.2M; 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Gibney promoted to First Senior EVP and Chief Banking Officer, effective immediately.","Thomas Splaine Jr. appointed EVP and CFO; previously First SVP and Chief Accounting Officer since Feb 2025.","Gibney's base salary increased to $700,000; PAIP target 70%, LTIP target 100% of salary.","Splaine's base salary set at $425,000; PAIP and LTIP targets each 50% of salary.","Board adopted 2026 Phantom Stock Plan to grant cash-settled phantom units tied to CLBK stock price."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107766,"accession_number":"0001104659-26-008967","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Columbia Financial enters merger agreement with Northfield Bancorp, plans conversion to public stock holding company","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Columbia Financial and Northfield Bancorp executed Merger Agreement on Jan 31, 2026, unanimously approved by both boards.","Northfield shareholders may elect stock or cash consideration; exchange ratio varies based on final appraisal thresholds of $2.3B and $2.6B.","Post-merger, Steven M. Klein of Northfield appointed Senior EVP and COO of holding company and Columbia Bank.","Termination fee of $23.7 million payable by either party under certain circumstances."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124147,"accession_number":"0001723596-25-000367","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial presents at conference; no specific financial data disclosed in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation materials furnished as Exhibit 99.1 to 8-K filed Nov 10, 2025.","Slide deck covers operating and growth strategies and financial performance (as per 8-K).","Actual exhibit contains only title slide with management names; full content not reproduced.","No new earnings, guidance, or material events announced in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124146,"accession_number":"0001723596-25-000362","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q3 net income $14.9M ($0.15/sh) up 140% YoY; NIM expands to 2.29%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $14.9M ($0.15 EPS) vs $6.2M ($0.06) in Q3 2024; nine-month net income $36.1M ($0.35).","Net interest margin increased 45 bps YoY to 2.29%; loan growth $97.1M (4.8% annualized).","Board authorized 1.8M share repurchase; 183,864 shares bought back in Sept at ~$15.43.","Non-performing assets to total assets improved to 0.30% from 0.37% prior quarter.","Provision for credit losses decreased 42.9% to $2.3M vs $4.1M a year ago."],"consensus_eps_estimate":0.1326,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140823,"accession_number":"0001723596-25-000340","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2025-09-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Columbia Financial COO Matthew Smith to depart October 5, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Matthew Smith, Senior EVP and COO, agreed to last day of employment on October 5, 2025.","No successor or interim COO named in the filing; reason for departure not disclosed.","Smith's departure affects both Columbia Financial and its subsidiary Columbia Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140822,"accession_number":"0001723596-25-000339","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2025-09-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial authorizes repurchase of up to 1.8M shares (1.7% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to 1,800,000 shares (~1.7% of outstanding common stock).","Buyback program effective for one-year period; shares may be repurchased via open market, private, or Rule 10b5-1 plans.","Program follows receipt of non-objection notice from Federal Reserve Bank of Philadelphia.","Timing and number of shares depend on price, market conditions, corporate and regulatory requirements.","Program does not obligate company to purchase any shares; may be suspended or discontinued at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140821,"accession_number":"0001723596-25-000305","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q2 net income $12.3M ($0.12 EPS) vs $4.5M YoY; 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repositioning expected to be neutral to tangible book value per share.","Proceeds used: $85M for loan growth, $66M for higher-yield securities, $170M to prepay borrowings.","Targets 24% increase in 2025 earnings and ~15 bps net interest margin expansion vs consensus.","Pro forma capital remains strong: total capital ratio 13.87%, tier 1 leverage 9.99% (Sep 30, 2024)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193749,"accession_number":"0001723596-24-000439","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-11-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Columbia Financial appoints Matthew Smith as COO, succeeding retiring E. Thomas Allen Jr.","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Smith appointed Senior EVP & COO effective Nov 25, 2024; Allen to retire Jan 31, 2025.","Smith previously Chief Digital Banking Officer at Webster Bank; background in digital and product strategy.","Enters two-year employment agreement with $410K base salary, $75K sign-on bonus, and 60% target bonus for 2025.","Eligible for equity awards under 2025 Long Term Incentive Program with 60% of base salary target."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193748,"accession_number":"0001723596-24-000427","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial posts investor presentation; no new material financial data in excerpt","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Furnished slide deck for East Coast Financial Services Conference 2024 under Regulation FD.","Presenters include President & CEO Thomas J. Kemly and SEVP & COO E. Thomas Allen.","No financial figures, guidance changes, or material events disclosed in the provided exhibit excerpt."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193747,"accession_number":"0001723596-24-000411","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q3 net income down 32% YoY to $6.2M; NIM declines","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS $0.06 vs $0.09 Q3 2023; nine-month EPS $0.09 vs $0.29, down 67.6%.","Net interest income $45.3M (-6.7% YoY); net interest margin 1.84% (vs 2.06% Q3 2023).","Provision for credit losses $4.1M in Q3 (+$1.7M); net charge-offs $2.7M (Q3) and $8.2M YTD.","Non-performing loans surged to $28.0M (0.36%) from $12.6M (0.16%) at Dec 2023.","Completed Freehold Bank merger/system conversion Oct 2024; stock repurchases paused."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193746,"accession_number":"0001723596-24-000383","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-10-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial completes merger of Freehold Bank into Columbia Bank effective Oct 5, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Freehold Bank merged into Columbia Bank, effective October 5, 2024, simplifying the bank subsidiary structure.","James H. Wainwright, Freehold Bank's CEO, appointed to Columbia Bank's Board of Directors.","No financial terms or operational changes disclosed; both banks were already subsidiaries of Columbia Financial."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210068,"accession_number":"0001723596-24-000338","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-08-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial receives OCC approval to merge Freehold Bank into Columbia Bank; close set for Oct 5","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Columbia Bank obtained OCC regulatory approval to merge Freehold Bank with and into Columbia Bank.","Merger expected to close on October 5, 2024, which is also the systems conversion date.","Closing is subject to customary closing conditions.","Columbia Financial (CLBK) is the mid-tier holding company for both banks."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210067,"accession_number":"0001723596-24-000324","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q2 net income $4.5M; core net income down 55% YoY; NIM 1.81%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.5M ($0.04 EPS) vs $1.7M ($0.02) YoY; core net income $5.3M down 54.9% from $11.7M.","Net interest margin fell 36 bps to 1.81%; interest expense up 53.8% on higher deposit costs.","Provision for credit losses $2.2M (up $1.1M); non-performing loans doubled to $25.3M (0.33% of loans).","Stock repurchases paused; 365K shares repurchased at $16.14 in H1.","Uninsured deposits 26.6% of total ($2.1B); new Camden branch in southern NJ."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228294,"accession_number":"0001723596-24-000254","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-06-07T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Columbia Financial annual meeting elects three directors, ratifies KPMG, passes advisory compensation vote","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Noel R. Holland re-elected with 93.8M votes for, 1.8M withheld; Lucy Sorrentini with 94.0M for, 1.6M withheld; Robert Van Dyk with 92.4M for, 3.2M withheld.","Ratification of KPMG LLP as independent auditor for FY2024: 98.2M for, 733K against, 56K abstain.","Advisory vote on named executive officer compensation approved: 93.9M for, 1.5M against, 143K abstain.","Broker non-votes: 3.4M on director elections and compensation proposal; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228293,"accession_number":"0001723596-24-000251","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-06-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial holds annual meeting; presentation shows no new material facts","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["CEO Thomas J. Kemly delivered a slide presentation at the 2024 annual shareholders meeting.","Presentation covers operating strategies, growth strategies, and financial performance.","No specific financial figures, guidance changes, or material updates included in the filing exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228292,"accession_number":"0001723596-24-000233","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2024-05-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Columbia Financial COO E. 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core net income $11.7M, down 50.7% YoY.","Net interest margin fell 84 bps to 2.17%; interest expense surged 585% to $45.0M on higher deposit and borrowing costs.","Sold $234.4M of AFS securities at a $9.6M loss; booked $1.6M severance from workforce reduction.","Repurchased 1.2M shares for $69.3M under sixth buyback program; total assets fell 3.1% to $10.1B.","Non-performing loans increased to $11.1M (0.14% of loans) from $6.7M; uninsured deposits reduced to 24.1% of total."],"consensus_eps_estimate":null,"consensus_eps_actual":0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300628,"accession_number":"0001723596-23-000274","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-06-09T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Columbia Financial shareholders elect three directors, ratify auditor, approve say-on-pay at 2023 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Michael Massood Jr., Elizabeth E. 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Torres elected for three-year terms with >97% support.","KPMG LLP ratified as independent auditor for FY2023: 98,731,584 FOR, 424,800 AGAINST.","Advisory vote on named executive officer compensation passed: 94,687,013 FOR, 1,007,227 AGAINST.","Broker non-votes totaled 3,313,240 on director election and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300627,"accession_number":"0001723596-23-000272","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-06-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial provides shareholder presentation at annual meeting; no material new data disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Thomas J. Kemly, President and CEO, presented at 2023 annual meeting on June 7.","Presentation includes operating and growth strategies and financial performance; slides posted to website.","Exhibit 99.1 text provided is truncated; full content not available in filed text.","No quantitative updates or material information in the 8-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300626,"accession_number":"0001723596-23-000250","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-05-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial authorizes new stock repurchase program for up to 2M shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to 2,000,000 shares (approx. 1.9% of outstanding common stock) authorized for repurchase.","Sixth stock repurchase program; commences upon completion of existing program.","Shares may be repurchased in open market or privately negotiated transactions, including under Rule 10b5-1 plan.","CEO says program underscores commitment to financial discipline and enhancing shareholder value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300625,"accession_number":"0001723596-23-000179","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-04-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q1 net income falls 8.2% to $18.7M; net interest margin compresses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $18.7M ($0.18 EPS) vs $20.4M ($0.20 EPS) a year ago; core net income $19.8M, down 10.8%.","Net interest margin narrowed 40 bps to 2.58% as funding costs rose faster than asset yields.","Total deposits fell $327M (4.1%) from Dec 2022; borrowings increased $579.6M (51.4%).","Repurchased 2.4M shares at $19.90/share for $47.3M during the quarter.","Non-performing loans stable at 0.09% of gross loans; allowance for credit losses at 0.68%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320597,"accession_number":"0001723596-23-000101","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-03-13T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"Columbia Financial stresses strong liquidity and capital, no crypto/VC exposure","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Over $1.7B in available liquidity as of March 10; $84.2M cash, $1.3B FHLB capacity, $339M lines, $525.6M unpledged securities.","Tier 1 leverage ratio 10.68% at Dec 31; pro forma 9.18% if all AFS bonds sold, still double regulatory minimum.","Average depositor balance ~$37,000 across 210K accounts; no concentration or exposure to crypto, VC, or startups.","Unrealized AOCI loss on AFS securities $135.5M; no need to sell given ample liquidity and capital cushion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320593,"accession_number":"0001723596-23-000103","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K/A","filed_at":"2023-03-13T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"Columbia Financial highlights $1.7B liquidity, strong cap ratios amid SVB/Silvergate fallout","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Immediate funding access of over $1.7B as of Mar 10, 2023; cash $84.2M, FHLB capacity $1.3B, $339M correspondent lines.","Tier 1 leverage ratio 10.68% at Dec 31, 2022; pro forma 9.18% even if all AFS bonds sold, more than double regulatory minimum.","No exposure to crypto, venture capital, or startup deposits/loans; average depositor balance ~$37K across 210K accounts.","AOCI unrealized loss on AFS securities $135.5M; defined benefit plan $44.3M (83% overfunded); no need to sell securities.","Conservative community bank strategy with diverse depositor base and low problem loans, unlike Silicon Valley and Silvergate."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320596,"accession_number":"0001723596-23-000075","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-02-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial updates investor presentation; no specific financial figures disclosed in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Updated investor presentation distributed on February 21, 2023.","Slide 8 contains additional information on the company's investment in office buildings.","Presentation supersedes the one filed on February 1, 2023.","No specific financial figures or metrics are included in the 8-K or exhibit text provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320595,"accession_number":"0001723596-23-000059","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-02-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial makes slide presentation available to analysts and investors","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation distributed to analysts and prospective investors on February 1, 2023.","Materials cover operating and growth strategies and financial performance.","Presentation posted to Company's website on February 1, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320594,"accession_number":"0001723596-23-000035","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2023-01-25T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Columbia Financial Q4 net income $21.9M ($0.21/share) down 6.2% YoY; full-year net income $86.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $21.9M for Q4 2022 vs $23.3M in Q4 2021; EPS $0.21 vs $0.23. Full-year net income $86.2M vs $92.0M.","Net interest margin expanded 12 bps to 2.91% in Q4; net interest income up 12.2% to $68.4M.","Provision for credit losses was $1.0M in Q4 vs a $7.4M reversal in Q4 2021; full-year provision $5.5M vs $10.0M reversal.","Loans receivable net grew 21.1% to $7.6B, including $335.5M from RSI Bank acquisition; total assets $10.4B (+12.8%).","Board authorized 5th buyback program for up to 3M shares; shares repurchased in 2022 totaled 4.46M at $21.05 each."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338738,"accession_number":"0001723596-22-000525","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-12-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial authorizes new stock buyback program for up to 3M shares (~2.7%)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New repurchase program authorizes up to 3,000,000 shares (approx. 2.7% of outstanding), commencing upon completion of existing program.","Fourth program (5M shares authorized) repurchased 4,311,566 shares for $90.6M ($20.99 avg); 688,434 shares remain.","Repurchases permitted via open market, private negotiations, or 10b5-1 plan; timing depends on market conditions and regulatory requirements.","CEO Thomas J. Kemly stated program reflects commitment to repurchase shares at attractive prices as prudent capital deployment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338737,"accession_number":"0001723596-22-000521","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-12-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Columbia Financial releases investor slide presentation detailing operating and growth strategies","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation made available to analysts and prospective investors on December 13, 2022.","Presentation covers operating strategies, growth strategies, and financial performance.","Presentation posted on Company's website and furnished as Exhibit 99.1.","No specific financial figures or guidance changes disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338736,"accession_number":"0001723596-22-000519","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-12-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial appoints Mayra L. Rinaldi EVP of Corporate Governance and Culture","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Rinaldi will oversee corporate governance, SEC compliance, ESG strategy, and culture alignment with Columbia Bank's creed.","She joined the bank in 2000 as a teller and most recently served as SVP, Corporate Governance since 2014.","Rinaldi holds a BS in Finance from Kean University and is a graduate of the Stonier School of Banking.","She serves on boards of Paterson Habitat for Humanity's Finance Committee and RSI Bank Foundation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338735,"accession_number":"0001723596-22-000452","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Columbia Financial Q3 core net income up 17.5% to $22.7M; net interest margin expands 34 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $20.9M ($0.19 diluted) vs $21.0M ($0.20 diluted) in prior-year quarter.","Core net income rose 17.5% to $22.7M; net interest income increased 20.6% to $69.2M.","Net interest margin expanded 34 bps to 3.01%; assets grew 8.5% to $10.0B.","Non-performing loans rose to $7.0M (0.10% of loans) from $3.9M; provision for credit losses was $1.5M.","Completed RSI Bank system conversion on Oct 15, 2022; repurchased 3.42M shares YTD for $71.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338734,"accession_number":"0001723596-22-000419","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-10-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial appoints Manesh Prabhu as EVP, Chief Information Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Manesh Prabhu appointed EVP, Chief Information Officer for Columbia Bank, effective Oct 12, 2022.","Prabhu oversees Information Systems and Digital Banking; has over 20 years of experience.","Most recently served as Chief Technology Officer at People's United Bank, leading IT strategy.","CEO Thomas Kemly cited technology investment as key to becoming preeminent bank in NJ."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":356088,"accession_number":"0001723596-22-000397","cik":1723596,"company_name":"Columbia Financial, Inc.","ticker":"CLBK","form_type":"8-K","filed_at":"2022-09-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Columbia Financial hires Matthew Rickert as EVP, Chief Credit Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Matthew Rickert appointed Executive Vice President, Chief Credit Officer of Columbia Bank, effective September 12, 2022.","Rickert previously served as Market Executive for Middle Market Banking at JPMorgan Chase in New Jersey.","He holds over 20 years of experience including roles at Wells Fargo and HSBC.","Rickert will oversee credit policies, commercial credit, and special assets."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":2084070778.3858862,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-09-12T23:59:59+00:00|356088"}