Columbia Financial (STU:64H) Moat Score: 4/10 (As of Jul. 12, 2026)


STU:64H Columbia Financial Inc STU:64H
59 GF Score
Price €18.50
GF Value €16.92
! 5 Warning Signs
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What is Columbia Financial Moat Score?

Columbia Financial STU:64H +0.54% 59 Moat Score is 4 as of Jul. 12, 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. Among 1,614 Banks companies, Columbia Financial ranks better than 86.25% on this metric.

Columbia Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Columbia Financial has Narrow Moat: Columbia Financial Inc has a modest moat due to its regional market presence and customer relationships. However, it lacks significant scale, brand strength, and regulatory barriers that would elevate it beyond a discernible but modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Columbia Financial might have Narrow Moat - Discernible but modest moat.

Columbia Financial  (STU:64H) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Columbia Financial Moat Score Related Terms

STU:64H vs NWBI, SYBT, FCF: Moat Score Comparison

For the Banks - Regional subindustry, Columbia Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Columbia Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Columbia Financial's Moat Score falls into.


STU:64H
59GF Score
Columbia Financial Inc STU:64H
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Columbia Financial (STU:64H) has a Moat Score of 4 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Columbia Financial ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Columbia Financial's Moat Score too high?
Columbia Financial's current Moat Score is 4. Based on the distribution chart, Columbia Financial ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to NWBI and SYBT?
According to the Banks industry distribution chart, Columbia Financial ranks #222 out of 1614 companies for Moat Score. This places Columbia Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Columbia Financial's current Moat Score is 4. 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 Moat Score of 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Columbia Financial (STU:64H), the current Moat Score is 4 as of Jul. 12, 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:

  • Moat Score: 4
  • 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

Other Exchanges CLBK:USA
Address 19-01 Route 208 North, Fair Lawn, NJ, USA, 07410
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€18.50
Price
€16.92
GF Value