Randall Elizabeth E. 4

What Happened
Randall Elizabeth E., a director of Columbia Financial, purchased a total of 49,980 shares on July 20, 2026, in three separate transactions at $10.00 per share. The three buys were for 10,580 shares ($105,800), 12,200 shares ($122,000), and 27,200 shares ($272,000), for a combined outlay of $499,800. These were purchases (P), which are generally interpreted as a direct acquisition of stock.

Key Details

• Transaction date: 2026-07-20; Filing date: 2026-07-22 (filed promptly/timely).
• Price: $10.00 per share; Total shares purchased: 49,980; Total value: $499,800.
• Shares owned after transaction: Not specified on this Form 4.
• Footnotes on the filing: F1 notes stock awards under the 2019 Equity Incentive Plan vesting 3/12/2027; F2 notes certain stock options under the same plan are fully vested and exercisable.
• Exhibit listed: Exhibit 24 — Power of Attorney.

Context

• These were outright purchases (code P). The filing does not indicate a 10b5-1 plan or immediate sale; purchases are commonly viewed as a more informative (potentially bullish) signal than routine sales, but do not prove intent.
• The footnotes refer to other equity awards/options the insider holds or was granted; they do not change that these entries are direct purchases at $10/share.