Columbia Financial (CLBK Quick QuoteCLBK - Free Report) reported $57.12 million in revenue for the quarter ended September 2023, representing a year-over-year decline of 26.1%. EPS of $0.09 for the same period compares to $0.21 a year ago.

The reported revenue represents a surprise of +10.07% over the Zacks Consensus Estimate of $51.9 million. With the consensus EPS estimate being $0.07, the EPS surprise was +28.57%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Columbia Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 75.1% versus the two-analyst average estimate of 80.6%.
• Net Interest Margin: 2.1% versus 2.1% estimated by two analysts on average.
• Average Interest Earning Assets: $9.35 billion versus the two-analyst average estimate of $9.23 billion.
• Total Non-Interest Income: $8.60 million versus $8.19 million estimated by two analysts on average.
• Net Interest Income: $48.52 million versus the two-analyst average estimate of $47.72 million.

View all Key Company Metrics for Columbia Financial here>>>

Shares of Columbia Financial have returned +0.3% over the past month versus the Zacks S&P 500 composite's -1.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.