---
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"
generated_at: "2026-05-16T05:39:26.684390+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q4 net income $15.7M vs year-ago loss $21.2M; core earnings up 40%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-26-000004
- JSON: https://secwatch.observer/filing/0001723596-26-000004.json
- Plain text: https://secwatch.observer/filing/0001723596-26-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.