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Columbia FinancialFRA:Z2T +0.22%18 Debt-to-Equity is 1.06 as of Mar. 2026, which is 5% below its 10-year median of 1.11. GuruFocus rates FRA:Z2T with a GF Score™ of 18/100 and a GF Value™ of €16.01 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Columbia Financial ranks worse than 68.42% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Columbia Financial's Debt-to-Equity or its related term are showing as below:
FRA:Z2T'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.35 Med: 1.11 Max: 1.95
Current: 1.06
During the past 10 years, the highest Debt-to-Equity Ratio of Columbia Financial was 1.95. The lowest was 0.35. And the median was 1.11.
FRA:Z2T's Debt-to-Equity is ranked worse than 68.42% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs FRA:Z2T: 1.06
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Columbia Financial Debt-to-Equity Related Terms
Columbia Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Columbia Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:Z2T vs MCB, AMTB, NBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Columbia Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Columbia Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Columbia Financial (FRA:Z2T) has a Debt-to-Equity of 1.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Columbia Financial and its competitors. This is near median its historical median of 1.11. Over the past decade, Columbia Financial's Debt-to-Equity has ranged from 0.35 to 1.95. According to the industry distribution chart, Columbia Financial ranks #973 out of 1422 companies in the Banks industry, placing it in the top 68.4%.
Is Columbia Financial's Debt-to-Equity too high?
Columbia Financial's current Debt-to-Equity of 1.06 is near median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.95. The Banks industry median Debt-to-Equity is 0.58. Columbia Financial's value of 1.06 is 84.3% above this industry median. Based on the distribution chart, Columbia Financial ranks #973 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Columbia Financial has a GF Score™ of 18/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Debt-to-Equity compare to MCB and AMTB?
According to the Banks industry distribution chart, Columbia Financial ranks #973 out of 1422 companies for Debt-to-Equity. This places Columbia Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Columbia Financial's value of 1.06 is 84.3% above this benchmark. Historically, Columbia Financial's own Debt-to-Equity has ranged from 0.35 to 1.95 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 0.58, Columbia Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current Debt-to-Equity of 1.06 is 84.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Columbia Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current Debt-to-Equity is 1.06, which is near median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Columbia Financial stock overvalued right now?
Based on GuruFocus' analysis, Columbia Financial (FRA:Z2T) is currently considered Significantly Undervalued. The stock's GF Value™ is €16.01, compared to a current price of €8.94 — trading 44.2% below its estimated fair value. The current Debt-to-Equity is 1.06, which is near median its 10-year median of 1.11 and 84.3% above the Banks industry median of 0.58. Columbia Financial's overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Columbia Financial (FRA:Z2T), the current Debt-to-Equity is 1.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Columbia Financial (FRA:Z2T) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Financial stock appears to be undervalued.
The current stock price of €8.94 is trading 44.2% below its estimated GF Value™ of €16.01.
GuruFocus considers Columbia Financial to be Significantly Undervalued.
Key valuation signals for FRA:Z2T:
Debt-to-Equity: 1.06 (near median its 10-year median of 1.11)
GF Value™: €16.01 vs. price of €8.94 (44.2% below fair value)
Industry Position: 84.3% above the Banks median (#973 of 1422)
No single metric tells the full story. See the FRA:Z2T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Columbia Financial Inc is a federally chartered savings bank that serves the financial needs of depositors and the local community as a customer service-focused institution. The company offers traditional financial services to businesses and consumers in its market areas. It attracts deposits from the general public and uses those funds to originate various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans. The company also offers title insurance through its wholly owned subsidiary and provides a broad range of insurance products, including personal and business lines of insurance, mainly to customers and New Jersey residents.
18GF Score
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