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Columbia FinancialFRA:Z2T +0.22%18 Return-on-Tangible-Asset is 0.48% as of Mar. 2026, which is 23% below its 10-year median of 0.62. GuruFocus rates FRA:Z2T with a GF Score™ of 18/100 and a GF Value™ of €16.01 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Columbia Financial ranks worse than 77.03% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Columbia Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was €45.3 Mil. Columbia Financial's average total tangible assets for the quarter that ended in Mar. 2026 was €9,363.9 Mil. Therefore, Columbia Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.48%.
The historical rank and industry rank for Columbia Financial's Return-on-Tangible-Asset or its related term are showing as below:
FRA:Z2T'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.11 Med: 0.62 Max: 1.03
Current: 0.52
During the past 10 years, Columbia Financial's highest Return-on-Tangible-Asset was 1.03%. The lowest was -0.11%. And the median was 0.62%.
FRA:Z2T's Return-on-Tangible-Asset is ranked worse than 77.03% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs FRA:Z2T: 0.52
Columbia Financial (FRA:Z2T) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Columbia Financial Return-on-Tangible-Asset Related Terms
Columbia Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Columbia Financial's Return-on-Tangible-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.
FRA:Z2T vs MCB, AMTB, NBN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Columbia Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Columbia Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Columbia Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.48% mean?
Columbia Financial (FRA:Z2T) has a Return-on-Tangible-Asset of 0.48% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Columbia Financial and its competitors. This is 23% below median its historical median of 0.62. According to the industry distribution chart, Columbia Financial ranks #1177 out of 1528 companies in the Banks industry, placing it in the top 77%.
Is Columbia Financial's Return-on-Tangible-Asset too high?
Columbia Financial's current Return-on-Tangible-Asset of 0.48% is 23% below median its 10-year median of 0.62. The Banks industry median Return-on-Tangible-Asset is 1.01. Columbia Financial's value of 0.48% is 52.2% below this industry median. Based on the distribution chart, Columbia Financial ranks #1177 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Columbia Financial has a GF Score™ of 18/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Columbia Financial's Return-on-Tangible-Asset compare to MCB and AMTB?
According to the Banks industry distribution chart, Columbia Financial ranks #1177 out of 1528 companies for Return-on-Tangible-Asset. This places Columbia Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Columbia Financial's value of 0.48% is 52.2% below this benchmark. While the company's 10-year median is 0.62 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Columbia Financial's current Return-on-Tangible-Asset of 0.48% is 52.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Columbia Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Columbia Financial's current Return-on-Tangible-Asset is 0.48%, which is 23% below median its own 10-year median of 0.62. 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?
Based on GuruFocus' analysis, Columbia Financial (FRA:Z2T) is currently considered Significantly Undervalued. The stock's GF Value™ is €16.01, compared to a current price of €8.94 — trading 44.2% below its estimated fair value. The current Return-on-Tangible-Asset is 0.48%, which is 23% below median its 10-year median of 0.62 and 52.2% below the Banks industry median of 1.01. Columbia Financial's overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Columbia Financial (FRA:Z2T), the current Return-on-Tangible-Asset is 0.48% 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 (FRA:Z2T) Overvalued in 2026?
Based on GuruFocus' analysis, Columbia Financial stock appears to be undervalued.
The current stock price of €8.94 is trading 44.2% below its estimated GF Value™ of €16.01.
GuruFocus considers Columbia Financial to be Significantly Undervalued.
Key valuation signals for FRA:Z2T:
Return-on-Tangible-Asset: 0.48% (23% below median its 10-year median of 0.62)
GF Value™: €16.01 vs. price of €8.94 (44.2% below fair value)
Industry Position: 52.2% below the Banks median (#1177 of 1528)
No single metric tells the full story. See the FRA:Z2T 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.
18GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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