Columbia Financial Inc (CLBK) — Cash Flow Quality Index
Columbia Financial Inc (CLBK) has a Cash Flow Quality Index of 1.55x as of December 2025. Operating cash flow of $24.38 Million exceeds net income of $15.69 Million, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Columbia Financial Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Columbia Financial Inc Cash Flow Quality Index (2016–2025)
Historical Cash Flow Quality Index for Columbia Financial Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CLBK operating cash flow.
Annual Cash Flow Quality Index for Columbia Financial Inc (2016–2025)
Year-by-year earnings quality comparison for Columbia Financial Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.32x | $68.40 Million | $51.77 Million | ▲ +17.1% |
| 2023 | 1.13x | $40.72 Million | $36.09 Million | ▼ -31.6% |
| 2022 | 1.65x | $142.16 Million | $86.17 Million | ▲ +53.8% |
| 2021 | 1.07x | $98.70 Million | $92.05 Million | ▲ +29.0% |
| 2020 | 0.83x | $47.89 Million | $57.60 Million | ▼ -63.2% |
| 2019 | 2.26x | $123.77 Million | $54.72 Million | ▼ -9.1% |
| 2018 | 2.49x | $56.59 Million | $22.74 Million | ▲ +114.6% |
| 2017 | 1.16x | $36.04 Million | $31.07 Million | ▼ -35.2% |
| 2016 | 1.79x | $58.99 Million | $32.95 Million | — |