Columbia Financial Q2 net income $12.3M ($0.12 EPS) vs $4.5M YoY; NIM expands to 2.19%

Columbia Financial, Inc.

2025-Q2 EPS reported $0.21 vs consensus $0.11 ▲ beat (+96.1%)

Net income $12.3M, diluted EPS $0.12 for Q2 2025 vs $4.5M, $0.04 in Q2 2024.
Net interest income $53.7M, up 21.8% YoY; net interest margin 2.19% vs 1.81%.
Purchased $130.9M in commercial equipment finance loans in May 2025.
Non-performing loans rose to $39.5M (0.49% of loans) from $21.7M at Dec 2024.
Six-month net income $21.2M ($0.21 EPS) vs $3.4M ($0.03) YoY, up 526%.

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