Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Columbia Financial's net current asset value per share for the quarter that ended in Mar. 2026 was €0.00.
The historical rank and industry rank for Columbia Financial's Net Current Asset Value or its related term are showing as below:
STU:64H's Price-to-Net-Current-Asset-Value is not ranked *
in the Banks industry.
Industry Median: 1.215 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
Columbia Financial (STU:64H) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Columbia Financial Net Current Asset Value Related Terms
Columbia Financial Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Columbia Financial's Net Current Asset Value 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.
STU:64H vs NWBI, SYBT, FCF: Net Current Asset Value Comparison
For the Banks - Regional subindustry, Columbia Financial's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of €0.00 mean?
Columbia Financial (STU:64H) has a Net Current Asset Value of €0.00 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Columbia Financial and its competitors. According to the industry distribution chart, Columbia Financial ranks #999999 out of 20 companies in the Banks industry.
Is Columbia Financial's Net Current Asset Value too high?
Columbia Financial's current Net Current Asset Value is €0.00. Based on the distribution chart, Columbia Financial ranks #999999 out of 20 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Columbia Financial has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Net Current Asset Value compare to NWBI and SYBT?
According to the Banks industry distribution chart, Columbia Financial ranks #999999 out of 20 companies for Net Current Asset Value. This places Columbia Financial in the lower half of its industry. The industry median Net Current Asset Value is 1.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Banks company?
The median Net Current Asset Value among Banks companies is 1.22, based on 20 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Columbia Financial and its competitors. For the Banks industry, the median Net Current Asset Value is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current Net Current Asset Value is €0.00. 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 Net Current Asset Value of €0.00. The stock's GF Value™ is €16.58, compared to a current price of €20.00 — trading 20.6% above its estimated fair value. The current Net Current Asset Value is €0.00. Columbia Financial's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Columbia Financial (STU:64H), the current Net Current Asset Value is €0.00 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 €20.00 is trading 20.6% above its estimated GF Value™ of €16.58.
Key valuation signals for STU:64H:
Net Current Asset Value: €0.00
GF Value™: €16.58 vs. price of €20.00 (20.6% above fair value)
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 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.
60GF Score
Get the complete analysis for STU:64H
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:64H has been successfully added to your 
