Columbia Financial (STU:64H) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)

What is Columbia Financial LT-Debt-to-Total-Asset?

Columbia Financial STU:64H +0.54% 59 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. GuruFocus rates STU:64H with a GF Score™ of 59/100 and a GF Value™ of €16.92. The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Columbia Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

Columbia Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.10) to Mar. 2026 (0.11). It may suggest that Columbia Financial is progressively becoming more dependent on debt to grow their business.

Columbia Financial (STU:64H) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Columbia Financial LT-Debt-to-Total-Asset Related Terms

Columbia Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Columbia Financial's LT-Debt-to-Total-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.

Columbia Financial LT-Debt-to-Total-Asset Chart

Columbia Financial Annual Data

Trend

Sep16

Sep17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.11

0.14

0.10

0.11

Columbia Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.10	0.12	0.12	0.11	0.11

59GF Score

Columbia Financial Inc STU:64H

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Columbia Financial LT-Debt-to-Total-Asset Calculation

Columbia Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	1010.685	/	9410.049
	=	0.11

Columbia Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1075.595	/	9524.089
	=	0.11

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.11 mean?

Columbia Financial (STU:64H) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Columbia Financial and its competitors.

Is Columbia Financial's LT-Debt-to-Total-Asset too high?

Columbia Financial's current LT-Debt-to-Total-Asset is 0.11. Overall, Columbia Financial has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.

How does Columbia Financial's LT-Debt-to-Total-Asset compare to NWBI and SYBT?

Columbia Financial's LT-Debt-to-Total-Asset of 0.11 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Columbia Financial and its competitors. Columbia Financial's current LT-Debt-to-Total-Asset is 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?

Columbia Financial (STU:64H) has a current LT-Debt-to-Total-Asset of 0.11. The stock's GF Value™ is €16.92, compared to a current price of €18.50 — trading 9.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. Columbia Financial's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Columbia Financial (STU:64H), the current LT-Debt-to-Total-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 (STU:64H) Overvalued in 2026?

Based on GuruFocus' analysis, Columbia Financial stock appears to be overvalued. The current stock price of €18.50 is trading 9.3% above its estimated GF Value™ of €16.92.

Key valuation signals for STU:64H:

LT-Debt-to-Total-Asset: 0.11
GF Value™: €16.92 vs. price of €18.50 (9.3% above fair value)
GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the STU:64H stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Columbia Financial Business Description

Industry Financial Services Banks

Comparable Companies NWBI SYBT FCF OFG MBIN BANR NBHC BLX HAPN STEL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges CLBK:USA

Address 19-01 Route 208 North, Fair Lawn, NJ, USA, 07410

Website https://www.columbiabankonline.com

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.

59GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€18.50

Price

€16.92

GF Value

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