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Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Columbia Financial's Net Debt Paydown Yield % was 7.27%.
Columbia Financial (STU:64H) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Columbia Financial Net Debt Paydown Yield % Related Terms
Columbia Financial Net Debt Paydown Yield % Historical Data
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The historical data trend for Columbia Financial's Net Debt Paydown Yield % 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 Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Columbia Financial's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 7.27% mean?
Columbia Financial (STU:64H) has a Net Debt Paydown Yield % of 7.27% as of Jul. 25, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Columbia Financial and its competitors. According to the industry distribution chart, Columbia Financial ranks #287 out of 1415 companies in the Banks industry, placing it in the top 20.3%.
Is Columbia Financial's Net Debt Paydown Yield % too high?
Columbia Financial's current Net Debt Paydown Yield % is 7.27%. Based on the distribution chart, Columbia Financial ranks #287 out of 1415 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 56/100, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Net Debt Paydown Yield % compare to NWBI and SYBT?
According to the Banks industry distribution chart, Columbia Financial ranks #287 out of 1415 companies for Net Debt Paydown Yield %. This places Columbia Financial in the top 20% 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Columbia Financial and its competitors. Columbia Financial's current Net Debt Paydown Yield % is 7.27%. 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 Debt Paydown Yield % of 7.27%. The stock's GF Value™ is €37.02, compared to a current price of €20.80 — trading 43.8% below its estimated fair value. The current Net Debt Paydown Yield % is 7.27%. Columbia Financial's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Columbia Financial (STU:64H), the current Net Debt Paydown Yield % is 7.27% as of Jul. 25, 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 undervalued.
The current stock price of €20.80 is trading 43.8% below its estimated GF Value™ of €37.02.
Key valuation signals for STU:64H:
Net Debt Paydown Yield %: 7.27%
GF Value™: €37.02 vs. price of €20.80 (43.8% below 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.
56GF Score
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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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