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Columbia FinancialCLBK +0.04%56 Equity-to-Asset is 0.11 as of Mar. 2026, which is at its 10-year median of 0.11. GuruFocus rates CLBK with a GF Score™ of 56/100 and a GF Value™ of $23.26 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Columbia Financial ranks better than 63.95% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Columbia Financial's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,173.7 Mil. Columbia Financial's Total Assets for the quarter that ended in Mar. 2026 was $11,010.5 Mil.
Therefore, Columbia Financial's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.11.
The historical rank and industry rank for Columbia Financial's Equity-to-Asset or its related term are showing as below:
CLBK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.11 Max: 0.15
Current: 0.11
During the past 10 years, the highest Equity to Asset Ratio of Columbia Financial was 0.15. The lowest was 0.07. And the median was 0.11.
CLBK's Equity-to-Asset is ranked better than 63.95% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs CLBK: 0.11
Columbia Financial (NAS:CLBK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Columbia Financial Equity-to-Asset Related Terms
Columbia Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Columbia Financial's Equity-to-Asset 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.
CLBK vs FMBL, PFBC, HFWA: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Columbia Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Columbia Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (CLBK) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Columbia Financial and its competitors. This is near median its historical median of 0.11. Over the past decade, Columbia Financial's Equity-to-Asset has ranged from 0.07 to 0.15. According to the industry distribution chart, Columbia Financial ranks #549 out of 1523 companies in the Banks industry, placing it in the top 36%.
Is Columbia Financial's Equity-to-Asset too high?
Columbia Financial's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. Columbia Financial's value of 0.11 is 10% above this industry median. Based on the distribution chart, Columbia Financial ranks #549 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Columbia Financial has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Equity-to-Asset compare to FMBL and PFBC?
According to the Banks industry distribution chart, Columbia Financial ranks #549 out of 1523 companies for Equity-to-Asset. This puts Columbia Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Columbia Financial's value of 0.11 is 10% above this benchmark. Historically, Columbia Financial's own Equity-to-Asset has ranged from 0.07 to 0.15 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Columbia Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.11. 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 (CLBK) is currently considered Significantly Undervalued. The stock's GF Value™ is $23.26, compared to a current price of $11.71 — trading 49.7% below its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.11 and 10% above the Banks industry median of 0.10. Columbia Financial's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Columbia Financial (CLBK), the current Equity-to-Asset is 0.11 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 (CLBK) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Financial stock appears to be undervalued.
The current stock price of $11.71 is trading 49.7% below its estimated GF Value™ of $23.26.
GuruFocus considers Columbia Financial to be Significantly Undervalued.
Key valuation signals for CLBK:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.11)
GF Value™: $23.26 vs. price of $11.71 (49.7% below fair value)
Industry Position: 10% above the Banks median (#549 of 1523)
No single metric tells the full story. See the CLBK 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.
56GF Score
Get the complete analysis for CLBK
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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