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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Columbia Financial's Total Liabilities for the quarter that ended in Mar. 2026 was $9,836.8 Mil. Columbia Financial's Total Assets for the quarter that ended in Mar. 2026 was $11,010.5 Mil.
Therefore, Columbia Financial's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.89.
Columbia Financial (NAS:CLBK) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Columbia Financial Liabilities-to-Assets Related Terms
Columbia Financial Liabilities-to-Assets Historical Data
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The historical data trend for Columbia Financial's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Columbia Financial's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Liabilities-to-Assets falls into.
Columbia Financial Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Columbia Financial's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.89 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Columbia Financial and its competitors.
Is Columbia Financial's Liabilities-to-Assets too high?
Columbia Financial's current Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets compare to FMBL and PFBC?
Columbia Financial's Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Columbia Financial and its competitors. Columbia Financial's current Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Columbia Financial (CLBK), the current Liabilities-to-Assets is 0.89 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:
Liabilities-to-Assets: 0.89
GF Value™: $23.26 vs. price of $11.71 (49.7% below fair value)
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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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