Columbia Financial Cost of Revenue | CLBK

Cost of Revenue is a financial metric that reflects all direct costs associated with the production of goods or the provision of services that directly led to revenue during the reporting period. It is the total amount of expenses incurred by the company to deliver its products or services, including both production costs and related expenses necessary for delivery or customer support.

What is included in the cost of revenue

Cost Category	Examples
Production Costs	Materials, wages of production staff, depreciation of equipment
Service and Support	Customer service, user support, technical assistance
Delivery and Logistics	Packaging, delivery of goods to customers
Hosting and Infrastructure	Servers, cloud platforms (especially for IT and SaaS companies)
Content and Licenses	License purchases, production royalties (e.g., in streaming services)

Importance of the Metric

Helps to understand how costly the revenue-generating process is.
A high cost of revenue may indicate:
Poor cost control
Low operational efficiency
A low cost of revenue combined with high revenue indicates high profitability and business competitiveness.

Annual Cost of Revenue Columbia Financial

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
119 M	109 M	121 M	117 M	99.5 M	101 M	84.3 M	77.2 M	63 M	58.1 M	-	-	-	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
121 M	58.1 M	94.9 M

Quarterly Cost of Revenue Columbia Financial

2026-Q1	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
31.1 M	29.2 M	28.9 M	28.6 M	-	27.7 M	27.7 M	27.5 M	-	28.8 M	32.5 M	31.2 M	-	31.5 M	28.9 M	26 M	-	24.5 M	23.6 M	23.4 M	-	26.7 M	25.2 M	24.5 M	-	21.4 M	20.3 M	19.6 M	-	18.2 M	18.3 M	18 M	15.6 M	16.7 M	15.3 M	15.6 M	15 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
32.5 M	15 M	24 M

Cost of Revenue of other stocks in the Banks regional industry

Issuer	Cost of Revenue	Price	% 24h	Market Cap	Country
First US Bancshares FUSB	15.3 M	$ 15.75	0.3 %	$ 91.7 M	USA
Ameris Bancorp ABCB	349 M	$ 80.4	0.02 %	$ 5.5 B	USA
ACNB Corporation ACNB	52.8 M	$ 63.78	0.58 %	$ 654 M	USA
Amalgamated Bank AMAL	98.6 M	$ 47.73	0.73 %	$ 1.45 B	USA
Amerant Bancorp AMTB	143 M	$ 29.25	0.68 %	$ 1.22 B	USA
Arrow Financial Corporation AROW	56.3 M	$ 37.38	1.4 %	$ 617 M	USA
Associated Banc-Corp ASB	522 M	$ 29.02	0.05 %	$ 4.79 B	USA
AmeriServ Financial ASRV	28.9 M	$ 4.42	0.65 %	$ 73 M	USA
Ames National Corporation ATLO	26.2 M	$ 31.98	0.25 %	$ 284 M	USA
Atlantic Union Bankshares Corporation AUB	402 M	$ 38.36	0.91 %	$ 4.94 B	USA
Auburn National Bancorporation AUBN	13.2 M	$ 26.36	2.58 %	$ 92.1 M	USA
Axos Financial AX	323 M	$ 88.51	0.07 %	$ 5.01 B	USA
Banc of California BANC	350 M	$ 17.55	1.43 %	$ 2.8 B	USA
BancFirst Corporation BANF	226 M	$ 107.57	0.06 %	$ 3.58 B	USA
Banner Corporation BANR	261 M	$ 67.4	0.12 %	$ 2.32 B	USA
Banco Bradesco S.A. BBD	8.72 B	$ 4.33	18.75 %	$ 229 B	Brasil
Banco Bradesco S.A. BBDO	8.72 B	$ 3.76	21.42 %	$ 229 B	Brasil
BCB Bancorp BCBP	31.4 M	$ 8.46	0.06 %	$ 145 M	USA
BayCom Corp BCML	40.2 M	$ 31.01	0.48 %	$ 341 M	USA
Bank First Corporation BFC	42.5 M	$ 151.22	0.01 %	$ 1.49 B	USA
Business First Bancshares BFST	116 M	$ 30.87	0.16 %	$ 907 M	USA
Bar Harbor Bankshares BHB	60.5 M	$ 39.24	0.15 %	$ 624 M	USA
BankUnited BKU	341 M	$ 43.23	0.05 %	$ 3.2 B	USA
Bank of Marin Bancorp BMRC	47.5 M	$ 27.42	0.25 %	$ 437 M	USA
BOK Financial Corporation BOKF	878 M	$ 128.23	0.13 %	$ 8.03 B	USA
Popular BPOP	905 M	$ 158.82	0.43 %	$ 10.7 B	USA
Blue Ridge Bankshares BRBS	46.2 M	$ 3.93	0.13 %	$ 345 M	USA
Banco Santander-Chile BSAC	1.55 B	$ 32.7	2.22 %	$ 6.16 T	Chile
Bogota Financial Corp. BSBK	8.5 M	$ 9.08	0.06 %	$ 115 M	USA
Sierra Bancorp BSRR	51.1 M	$ 39.39	0.05 %	$ 532 M	USA
Bank7 Corp. BSVN	22.6 M	$ 55.77	0.52 %	$ 527 M	USA
First Busey Corporation BUSE	289 M	$ 29.51	0.92 %	$ 2.48 B	USA
Bridgewater Bancshares BWB	47.4 M	$ 20.43	0.48 %	$ 563 M	USA
Bankwell Financial Group BWFG	30.3 M	$ 66.15	1.57 %	$ 513 M	USA
Byline Bancorp BY	150 M	$ 37.63	1.48 %	$ 1.69 B	USA
Broadway Financial Corporation BYFC	18.8 M	$ 11.61	1.66 %	$ 99.8 M	USA
Camden National Corporation CAC	79.8 M	$ 56.98	1.36 %	$ 963 M	USA
Carter Bankshares CARE	57.7 M	$ 30.55	1.28 %	$ 686 M	USA
Meta Financial Group CASH	200 M	$ 73.42	0.09 %	$ 1.72 B	USA
Cathay General Bancorp CATY	88.3 M	$ 60.48	0.02 %	$ 4.18 B	USA
Colony Bankcorp CBAN	52.4 M	$ 20.41	0.15 %	$ 363 M	USA
CB Financial Services CBFV	22.2 M	$ 37.01	0.43 %	$ 186 M	USA
Capital Bancorp CBNK	72.2 M	$ 40.02	1.63 %	$ 664 M	USA
Commerce Bancshares CBSH	628 M	$ 55.14	0.04 %	$ 7.91 B	USA
Community Bank System CBU	314 M	$ 60.13	1.27 %	$ 3.17 B	USA