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Columbia Financial, Inc. · NASDAQ
Price: $19.83 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in CLBK → $2.11M in 10 years · $97.03/month
Columbia Financial, Inc., a bank holding company, provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans that include automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2021, it operated 62 full-service banking offices in 12 of New Jersey's 21 counties; and 2 branch offices in Freehold, New Jersey. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold CLBK.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 10.09% | 7.29% | $1,009 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 8.58% | 5.78% | $858 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 8.07% | 5.27% | $807 / yr |
| 🇬🇧 UK ISA | 0% | 10.09% | 7.29% | $1,009 / yr |
| 🇬🇧 UK Taxable | 8.75% | 9.21% | 6.41% | $921 / yr |
| 🇨🇦 TFSA | 0% | 10.09% | 7.29% | $1,009 / yr |
| 🇨🇦 CA Taxable | 25% | 7.57% | 4.77% | $757 / yr |
| 🇦🇺 Super (pension) | 15% | 8.58% | 5.78% | $858 / yr |
| 🇦🇺 AU Taxable | 30% | 7.06% | 4.26% | $706 / yr |
| 🇩🇪 DE Taxable | 26.375% | 7.43% | 4.63% | $743 / yr |
| 🇫🇷 FR Taxable | 30% | 7.06% | 4.26% | $706 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CLBK pays quarterly — 4 times per year. Next ex-div: TBD.
How CLBK compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CLBK sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-05-29 | 34.01 | $20.13 | $685.00 | ||
| A-Award | 2026-05-29 | 92.285 | $20.13 | $1.9K | ||
| A-Award | 2026-05-15 | 8.708 | $19.57 | $170.00 | ||
| A-Award | 2026-05-15 | 94.925 | $19.57 | $1.9K | ||
| A-Award | 2026-05-15 | 249.106 | $19.57 | $4.9K | ||
| A-Award | 2026-05-15 | 34.983 | $19.57 | $685.00 | ||
| D-Return | 2026-05-01 | 7,267 | — | — | ||
| F-InKind | 2026-05-01 | 830 | $19.25 | $16.0K | ||
| D-Return | 2026-05-01 | 6,460 | — | — | ||
| F-InKind | 2026-05-01 | 739 | $19.25 | $14.2K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CLBK dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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