earnings
confidence high
sentiment positive
materiality 0.85
Columbia Financial Q3 net income $14.9M ($0.15/sh) up 140% YoY; NIM expands to 2.29%
Columbia Financial, Inc.
2025-Q3 EPS
reported $0.35
vs consensus $0.13
▲ beat
(+164.0%)
- 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.