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Columbia Financial (CLBK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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Columbia Financial (CLBK - Free Report) reported $67.25 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 24%. EPS of $0.15 for the same period compares to $0.06 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $65.6 million, representing a surprise of +2.52%. The company delivered an EPS surprise of +15.38%, with the consensus EPS estimate being $0.13.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:
  • Net Interest Margin: 2.3% versus 2.3% estimated by two analysts on average.
  • Efficiency Ratio: 67% compared to the 68.9% average estimate based on two analysts.
  • Total Non-Interest Income: $9.87 million versus the two-analyst average estimate of $9.42 million.
  • Net Interest Income: $57.39 million versus $56.23 million estimated by two analysts on average.

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

Shares of Columbia Financial have returned -11.5% over the past month versus the Zacks S&P 500 composite's +1.1% 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.

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