Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+4.67%
$18.54
100% positive prob.
5-Day Prediction
+5.36%
$18.66
100% positive prob.
20-Day Prediction
+6.32%
$18.83
95% positive prob.
SEC 8-K filings with transcript text
Feb 2, 2026 · 100% conf.
1D
+4.67%
$18.54
Act: -1.24%
5D
+5.36%
$18.66
Act: +3.50%
20D
+6.32%
$18.83
Act: +3.95%
clbk-20260202February 2, 2026false000172359600017235962022-01-252022-01-25
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): February 2, 2026
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On February 2, 2026, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2025. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated February 2, 2026
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:February 2, 2026/s/Dennis E. Gibney Dennis E. Gibney 1st Senior Executive Vice President, Chief Banking Officer
3
Oct 20, 2025
clbk-20251020false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): October 20, 2025
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On October 20, 2025, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2025. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated October 20, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:October 20, 2025/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Jul 30, 2025
clbk-20250730false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): July 30, 2025
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On July 30, 2025, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and six months ended June 30, 2025. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated July 30, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:July 30, 2025/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Apr 30, 2025
clbk-20250430false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): April 30, 2025
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On April 30, 2025, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three months ended March 31, 2025. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated April 30, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:April 30, 2025/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Jan 28, 2025
clbk-20250128January 28, 2025false000172359600017235962022-01-252022-01-25
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): January 28, 2025
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On January 28, 2025, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2024. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 8.01 Other Events
On January 28, 2025, the Company also announced that its annual meeting of stockholders will be held on June 5, 2025.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated January 28, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:January 28, 2025/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Oct 24, 2024
clbk-20241024false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): October 24, 2024
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On October 24, 2024, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2024. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated October 24, 2024
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:October 24, 2024/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Jul 31, 2024
clbk-20240731false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): July 31, 2024
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On July 31, 2024, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and six months ended June 30, 2024. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated July 31, 2024
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:July 31, 2024/s/Dennis E. Gibney Dennis E. Gibney Senior Executive Vice President and Chief Financial Officer
3
Apr 30, 2024
clbk-20240430false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): April 30, 2024
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On April 30, 2024, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three months ended March 31, 2024. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated April 30, 2024
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:April 30, 2024/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Jan 25, 2024
clbk-20240125January 25, 2024false000172359600017235962022-01-252022-01-25
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): January 25, 2024
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On January 25, 2024, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2023. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 8.01 Other Events
On January 25, 2024, the Company also announced that its annual meeting of stockholders will be held on June 6, 2024.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated January 25, 2024
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:January 25, 2024/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Oct 25, 2023
clbk-20231025false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): October 25, 2023
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On October 25, 2023, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2023. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated October 25, 2023
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:October 25, 2023/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Jul 26, 2023
clbk-20230726false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): July 26, 2023
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On July 26, 2023, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and six months ended June 30, 2023. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated July 26, 2023
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:July 26, 2023/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Apr 26, 2023
clbk-20230426false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): April 26, 2023
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On April 26, 2023, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three months ended March 31, 2023. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated April 26, 2023
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:April 26, 2023/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Jan 25, 2023
clbk-20230125January 25, 2023false000172359600017235962022-01-252022-01-25
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): January 25, 2023
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On January 25, 2023, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2022. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 8.01 Other Events
On January 25, 2023, the Company also announced that its annual meeting of stockholders will be held on June 7, 2023.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated January 25, 2023
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:January 25, 2023/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Oct 26, 2022
clbk-20221026false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): October 26, 2022
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On October 26, 2022, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and six months ended September 30, 2022. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated October 26, 2022
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:October 26, 2022/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Jul 27, 2022
clbk-20220727false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): July 27, 2022
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On July 27, 2022, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and six months ended June 30, 2022. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated July 27, 2022
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:July 27, 2022/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Apr 27, 2022
clbk-20220427false000172359600017235962020-07-292020-07-29
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): April 27, 2022
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On April 27, 2022, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter ended March 31, 2022. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated April 27, 2022
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:April 27, 2022/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
Jan 25, 2022
clbk-20220125January 25, 2022false000172359600017235962022-01-252022-01-25
PURSUANT TO SECTION 13 OR 15(d) OF
Date of Report (Date of Earliest Event Reported): January 25, 2022
Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter)
Delaware001-3845622-3504946 (State or other jurisdiction(Commission(IRS Employer of incorporation)File Number)Identification Number)
19-01 Route 208 North, Fair Lawn, New Jersey 07410 (Address of principal executive offices)
(800) 522-4167 (Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common stock, $0.01 par value per shareCLBKThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On January 25, 2022, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2021. The Company's press release is included as Exhibit 99.1 to this report.
The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.
Item 8.01 Other Events
On January 25, 2022, the Company also announced that its annual meeting of stockholders will be held on June 22, 2022.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit NumberDescription 99.1 Press release dated January 25, 2022
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
Date:January 25, 2022/s/Dennis E. Gibney Dennis E. Gibney Executive Vice President and Chief Financial Officer
3
This page provides Columbia Financial Inc. (CLBK) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on CLBK's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.