{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-26-000004","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.006363+00:00","generated_at":"2026-05-16T05:39:26.684390+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Columbia Financial Q4 net income $15.7M vs year-ago loss $21.2M; core earnings up 40%","bullets":["Net income $15.7M ($0.15 per share) vs net loss $21.2M ($0.21 per share) in Q4 2024.","Core net income $15.9M, up 39.6% YoY from $11.4M.","Q4 2024 included a $37.9M pre-tax restructuring loss from selling debt securities and prepaying borrowings.","Improvement attributed to higher net interest income, lower provision for credit losses, and higher non-interest income."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-26-000004","json":"https://secwatch.observer/filing/0001723596-26-000004.json","markdown":"https://secwatch.observer/filing/0001723596-26-000004.md","text":"https://secwatch.observer/filing/0001723596-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359626000004/0001723596-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359626000004/clbk-20260202.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:39:26.684390+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}