Overview

* Columbia Financial ( CLBK ) Q3 net income rises to $14.9 mln, driven by higher net interest income

* Company recommences share repurchase program, repurchasing 183,864 shares in September 2025

* Net interest income for Q3 2025 increases 26.7% yr/yr, contributing to earnings growth

Outlook

* Columbia Financial ( CLBK ) did not provide specific future guidance in the press release

Result Drivers

* NET INTEREST INCOME - Higher interest income and reduced interest expenses drove net interest income increase

* CREDIT LOSS PROVISION - Decrease in provision for credit losses contributed to earnings growth

* LOAN DEMAND - Strong loan demand and a shift in loan mix supported net interest margin expansion

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.15

Q3 Net $14.86

Income mln

Q3 Net $57.38

Interest mln

Income

Q3 Basic $0.15

EPS

Q3 $19.82

Pretax mln

Profit

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for Columbia Financial Inc ( CLBK ) is $17.00, about 19.2% above its October 17 closing price of $13.73

* The stock recently traded at 24 times the next 12-month earnings vs. a P/E of 29 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)