Massood Michael Jr. 4

What Happened

• Director Massood Michael Jr. purchased a total of 25,000 shares of Columbia Financial, Inc. (CLBK) in two open-market transactions on July 20, 2026: 10,000 shares at $10.00 ($100,000) and 15,000 shares at $10.00 ($150,000), for a combined cash outlay of $250,000. These were purchases (transaction code P), which are generally considered a direct acquisition of stock (potentially a bullish signal), not option exercises or awards.

Key Details

• Transaction dates and prices: 2026-07-20 — 10,000 shares @ $10.00; 2026-07-20 — 15,000 shares @ $10.00.
• Total shares acquired: 25,000; total value: $250,000.
• Shares owned after transaction: Not reported in this filing.
• Footnotes: F1 notes stock awards under the 2019 Equity Incentive Plan that vest on March 12, 2027; F2 notes stock options under the 2019 Equity Incentive Plan that are fully vested and exercisable.
• Filing timeliness: Report filed on 2026-07-22 for transactions on 2026-07-20 (filed within the typical two-business-day Form 4 window).
• Exhibit included: Exhibit 24 — Power of Attorney.

Context

• These were straightforward open-market purchases, not option exercises or stock award vesting events. The filing does not indicate the insider sold any shares as part of these transactions, nor does it report post-transaction beneficial ownership. Purchases by company insiders can be of interest to investors but do not by themselves prove future stock performance.