CLBK - Columbia Financial, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Revenue Growth YoY (%)	14.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+136%)	—	24.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	19.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+232%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	—	-5.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-184%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	-28.0% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-566%)	—	-26.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-535%)	-31.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-630%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	—	16.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	6.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	—	3.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	15.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	14.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+141%)	—	23.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	32.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+434%)	17.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+198%)	—	13.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+116%)	2.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	11.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+84%)	—	22.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+267%)	14.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+148%)	12.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	44.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	150.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	200.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-33.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-71.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-55.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-90.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-15.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	22.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	85.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	233.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	27.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-53.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	47.2% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	140.4% Excellent Excellent Year-over-year change in net income	171.0% Excellent Excellent Year-over-year change in net income	N/M	N/M	-32.3% Weak ↓ Weak Declining Year-over-year change in net income	172.8% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-70.0% Weak ↓ Weak Declining Year-over-year change in net income	-56.4% Weak ↓ Weak Declining Year-over-year change in net income	-92.8% Weak ↓ Weak Declining Year-over-year change in net income	-8.2% Weak ↓ Weak Declining Year-over-year change in net income	-6.2% Weak ↓ Weak Declining Year-over-year change in net income	-0.3% Weak ↑ Weak Improving Year-over-year change in net income	-14.0% Weak ↓ Weak Declining Year-over-year change in net income	-3.0% Weak ↓ Weak Declining Year-over-year change in net income	13.0% Fair ↓ Fair Declining Year-over-year change in net income	39.1% Excellent ↓ Excellent Declining Year-over-year change in net income	76.8% Excellent ↓ Excellent Declining Year-over-year change in net income	211.1% Excellent ↑ Excellent Improving Year-over-year change in net income	52.4% Excellent ↑ Excellent Improving Year-over-year change in net income	6.1% Fair ↑ Fair Improving Year-over-year change in net income	25.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-54.7% Weak ↓ Weak Declining Year-over-year change in net income	-8.9% Weak ↓ Weak Declining Year-over-year change in net income	31.3% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	26.6% Excellent ↓ Excellent Declining Year-over-year change in net income	48.8% Excellent ↓ Excellent Declining Year-over-year change in net income	615.1% Excellent Excellent Year-over-year change in net income	N/M	17.9% Good Good Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	—	-4.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-4.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-5.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	—	-6.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-9.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	14.3% Good → Good Stable Compound annual revenue growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	13.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	14.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	19.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.9% Excellent Excellent Compound annual revenue growth over 3 years	13.6% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	0.9% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	4.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	1.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	9.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	—	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.9% Excellent Excellent Compound annual revenue growth over 5 years	12.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-10.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-8.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-9.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-18.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-23.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-33.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-46.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-30.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-47.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	44.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	26.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	19.2% Excellent Excellent Compound annual EPS growth over 3 years	26.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Operating Margin (%) (%)	27.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	—	29.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	—	13.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	9.0% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-2.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	—	20.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	36.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	—	36.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	41.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	39.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	—	43.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	50.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	29.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	24.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	19.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	22.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	15.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	8.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	-2.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)	—	16.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	27.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—	27.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	31.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	29.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	—	31.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	36.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	11.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	—	27.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	25.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	—	23.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	-31.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-244%)	27.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—	4.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	22.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	-2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	2.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	1.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	-1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	2.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Debt to Equity (x)	1.06x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-12%)	1.02x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-15%)	1.11x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	1.14x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-5%)	1.01x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-16%)	1.00x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.32x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	1.61x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+34%)	1.47x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+23%)	—	1.35x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+12%)	1.10x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	1.64x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	—	0.65x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.39x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.42x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	—	0.73x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-39%)	—	0.72x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	—	1.00x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.09x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-10%)	1.43x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+19%)	—	—	—	1.10x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Revenue per Share (USD)	$0.66	—	$0.66	$0.63	$0.58	—	$0.53	$0.52	$0.49	—	$0.56	$0.49	$0.66	—	$0.72	$0.70	$0.68	—	$0.64	$0.69	$0.62	—	$0.58	$0.57	$0.53	—	$0.47	$0.43	$0.43	—	$0.41	$0.42	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.13	$0.16	$0.15	$0.12	$0.09	$-0.20	$0.06	$0.04	$-0.01	$0.06	$0.09	$0.02	$0.18	$0.21	$0.20	$0.22	$0.20	$0.22	$0.20	$0.26	$0.20	$0.18	$0.14	$0.14	$0.06	$0.12	$0.13	$0.11	$0.13	$0.13	$0.10	$-0.13	—	—	—	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$11.27	$11.16	$10.89	$10.68	$10.49	$10.31	$10.30	$9.99	$9.88	—	$9.59	$9.69	$9.75	—	$9.37	$9.68	$9.70	—	$9.70	$9.88	$9.17	—	$8.89	$9.05	$8.64	—	$8.91	$9.04	$8.58	—	$8.17	$0.01	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$11.27	$10.10	$10.89	$10.68	$10.49	$9.26	$10.30	$9.99	$9.88	—	$9.59	$9.69	$9.75	—	$9.37	$9.68	$9.70	—	$9.70	$9.88	$9.17	—	$8.89	$9.05	$8.64	—	$8.91	$9.04	$8.58	—	$8.17	$0.01	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	101.27M	—	102.03M	101.99M	101.82M	—	101.62M	101.65M	101.75M	—	101.97M	102.41M	104.63M	—	106.93M	106.20M	103.15M	—	102.98M	104.54M	105.98M	—	110.98M	111.10M	108.44M	—	111.37M	111.55M	111.54M	—	111.39M	111.35M	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.24B	$1.18B	$1.26B	$1.27B	$1.11B	$1.08B	$1.42B	$1.68B	$1.53B	—	$1.36B	$1.12B	$1.71B	—	$674.02M	$419.97M	$432.75M	—	$749.63M	—	$722.62M	—	$1.02B	$1.13B	$1.38B	—	—	—	$1.10B	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$1.17B	$1.16B	$1.14B	$1.12B	$1.10B	$1.08B	$1.08B	$1.05B	$1.04B	$1.04B	$1.01B	$1.02B	$1.04B	$1.05B	$1.03B	$1.07B	$1.03B	$1.08B	$1.03B	$1.03B	$999.65M	$1.01B	$1.02B	$1.04B	$961.13M	$982.52M	$991.84M	$1.01B	$994.50M	$972.06M	$947.05M	$941.30M	$473.90M	$475.91M	$475.91M	$456.44M	$434.85M	$439.66M	$439.66M	$418.00M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$67.14M	—	$67.25M	$63.88M	$58.80M	—	$54.25M	$53.26M	$49.65M	—	$57.12M	$50.60M	$68.94M	—	$77.31M	$74.18M	$69.77M	—	$66.23M	$72.47M	$65.33M	—	$64.23M	$62.88M	$57.09M	—	$51.83M	$47.62M	$48.42M	—	$45.87M	$46.42M	$43.60M	—	$37.59M	$40.41M	$38.91M	—	—	—
Net Income, GAAP (USD)	$13.10M	$15.69M	$14.87M	$12.30M	$8.90M	$-21.22M	$6.18M	$4.54M	$-1.16M	$6.57M	$9.13M	$1.66M	$18.72M	$21.89M	$20.92M	$22.96M	$20.40M	$23.33M	$20.98M	$26.69M	$21.05M	$20.65M	$15.09M	$15.10M	$6.76M	$13.55M	$14.22M	$12.03M	$14.92M	$14.87M	$10.83M	$-14.74M	$11.78M	$9.99M	$1.51M	$9.27M	$9.99M	—	—	—
Operating Cash Flow (USD)	$3.14M	$24.38M	$30.96M	$14.64M	$-1.58M	$28.90M	—	—	$14.14M	$-32.47M	—	—	$-3.61M	$29.95M	—	—	$32.85M	$31.22M	—	$-100.06M	$172.34M	$40.91M	—	—	$43.17M	$-7.96M	$30.55M	$-26.61M	$17.75M	$9.96M	—	—	$10.10M	$9.66M	$8.78M	$7.73M	$9.88M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Sep 30, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Dec 31, 2016 10-Q ↗	Q4 FY2016 Sep 30, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Sep 30, 2015 10-K ↗
Net Interest Margin (approx.) (%)	2.2%	2.2%	2.1%	2.0%	1.9%	1.8%	1.7%	1.6%	1.6%	—	1.9%	2.0%	2.3%	—	2.8%	2.7%	2.7%	—	2.5%	—	2.5%	—	2.5%	2.5%	2.4%	—	—	—	2.5%	—	2.5%	2.6%	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	70.7%	—	67.0%	70.3%	74.6%	—	79.0%	86.8%	92.0%	—	75.1%	94.1%	63.7%	—	61.9%	56.2%	58.4%	—	55.9%	51.9%	57.7%	—	64.4%	59.5%	67.4%	—	59.9%	66.9%	61.0%	—	58.0%	133.0%	59.7%	—	80.4%	61.4%	61.8%	—	—	—

Columbia Financial, Inc.

Analytical Summary

40-Year Financial Trajectory

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