Columbia Financial Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
19.2%projected annual EPS growth
Analyst Coverage
2analysts covering
FY EPS (est.)
$0.28next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly242.0%Target: Expansion post-merger via lower-cost deposit base integration
Loan-to-Deposit Ratio Quarterly9,800.0%Target: 80% to 95% (healthy industry benchmark)
Non-Performing Loans (NPL) Ratio Quarterly50.0%Target: Maintain below 0.60% through conservative credit culture
Watch Items
- Northfield Bancorp Merger IntegrationTrigger: Closing expected early Q3 2026Action: Monitor execution of targeted cost synergies and branch integration across NJ/NY.
- Second-Step Mutual-to-Stock ConversionTrigger: Subscription offering and 2.203x exchange ratio executionAction: Track final regulatory and depositor approvals to transition to a fully public entity.
- New York City Rent-Regulated Loan PortfolioTrigger: Any rise in structural credit stress or delinquency ratesAction: Evaluate asset quality of acquired Northfield multifamily real estate loans.
Research as of 20 Jun 2026