UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of Earliest Event Reported): ~~July~~September 308, 2025

Columbia Financial, Inc.

(Exact Name of Registrant as Specified in its Charter)


Delaware	001-38456	22-3504946
(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 class	Trading symbol(s)	Name of each exchange on which registered
Common stock, $0.01 par value per share	CLBK	The 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 28.0201 ~~Results~~Other ~~of Operations and Financial Condition~~Events

On ~~July 30~~September 5, 2025, Columbia Financial, Inc. (the "Company"), the holding Company for Columbia Bank, issued a press release announcing ~~its~~that ~~financial~~the ~~results~~Company's ~~for~~Board ~~the~~of ~~three~~Directors ~~and~~has ~~six~~authorized ~~months~~a ~~ended~~new ~~June 30,~~stock ~~2025.~~repurchase ~~The~~program ~~Company's~~to ~~press~~acquire ~~release~~up isto ~~included~~1,800,000 asshares, ~~Exhibit~~or ~~99.~~approximately 1.7% toof ~~this~~the ~~report.~~Company's currently issued and outstanding common stock.

The ~~information~~stock ~~set~~repurchase ~~forth~~program inwas ~~this~~adopted ~~Item~~following ~~2.02 and in~~ the ~~attached~~receipt ~~Exhibit~~of ~~99.1~~a isnotice ~~deemed to be “furnished” and shall not be deemed to be “filed” for purposes~~ of ~~Section~~non-objection 18from of the ~~Securities~~Federal ~~Exchange~~Reserve ~~Act~~Bank of ~~1934, as amended, or otherwise subject to the liabilities of that Section~~Philadelphia.

The stock repurchase program permits shares to be repurchased in open market or private transactions, privately negotiated transactions, and pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities and Exchange Commission. The stock repurchase program will be in effect for a one-year period, and the timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions, and other corporate liquidity requirements and priorities. The stock repurchase program does not obligate the Company to purchase any particular number of shares and may be suspended or discontinued at any time.

A copy of the Company’s press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit Number						Description
99.1						Press release dated ~~July~~September 308, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

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~~September 308, 2025

/s/Dennis E. Gibney

Dennis E. Gibney

Senior Executive Vice President and Chief Financial Officer

Filing Compare · Columbia Financial, Inc.