The historical rank and industry rank for Columbia Financial's Net Margin % or its related term are showing as below:
STU:64H'
s Net Margin % Range Over the Past 10 Years
Min: -6.48 Med: 21.4 Max: 33.85
Current: 20.96
STU:64H's Net Margin % is ranked worse than 68.11% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:64H: 20.96
Columbia Financial (STU:64H) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Columbia Financial Net Margin % Related Terms
Columbia Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Columbia Financial's Net Margin % 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 BLX, SYBT, NWBI: Net Margin % Comparison
For the Banks - Regional subindustry, Columbia Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Net Margin % 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.
Columbia Financial (STU:64H) has a Net Margin % of 19.51% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Columbia Financial and its competitors. This is near median its historical median of 21.40. According to the industry distribution chart, Columbia Financial ranks #1040 out of 1527 companies in the Banks industry, placing it in the top 68.1%.
Is Columbia Financial's Net Margin % too high?
Columbia Financial's current Net Margin % of 19.51% is near median its 10-year median of 21.40. The Banks industry median Net Margin % is 26.95. Columbia Financial's value of 19.51% is 27.6% below this industry median. Based on the distribution chart, Columbia Financial ranks #1040 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Columbia Financial has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Net Margin % compare to BLX and SYBT?
According to the Banks industry distribution chart, Columbia Financial ranks #1040 out of 1527 companies for Net Margin %. This places Columbia Financial in the lower half of its industry. The industry median Net Margin % is 26.95. Columbia Financial's value of 19.51% is 27.6% below this benchmark. While the company's 10-year median is 21.40 vs. the industry median of 26.95, Columbia Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current Net Margin % of 19.51% is 27.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Columbia Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current Net Margin % is 19.51%, which is near median its own 10-year median of 21.40. 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 Margin % of 19.51%. The stock's GF Value™ is €17.10, compared to a current price of €18.30 — trading 7% above its estimated fair value. The current Net Margin % is 19.51%, which is near median its 10-year median of 21.40 and 27.6% below the Banks industry median of 26.95. Columbia Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Columbia Financial (STU:64H), the current Net Margin % is 19.51% 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 €18.30 is trading 7% above its estimated GF Value™ of €17.10.
Key valuation signals for STU:64H:
Net Margin %: 19.51% (near median its 10-year median of 21.40)
GF Value™: €17.10 vs. price of €18.30 (7% above fair value)
Industry Position: 27.6% below the Banks median (#1040 of 1527)
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.
61GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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