Columbia Financial Inc (CLBK) - Net Assets
Based on the latest financial reports, Columbia Financial Inc (CLBK) has net assets worth $1.16 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($11.02 Billion) and total liabilities ($9.86 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are Columbia Financial Inc's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.16 Billion |
| % of Total Assets | 10.53% |
| Annual Growth Rate | 11.39% |
| 5-Year Change | -86.88% |
| 10-Year Change | N/A |
| Growth Volatility | 227.27 |
Columbia Financial Inc - Net Assets Trend (2016–2025)
This chart illustrates how Columbia Financial Inc's net assets have evolved over time, based on quarterly financial data. Also explore Columbia Financial Inc (CLBK) total assets for the complete picture of this company's asset base.
Annual Net Assets for Columbia Financial Inc (2016–2025)
The table below shows the annual net assets of Columbia Financial Inc from 2016 to 2025. For live valuation and market cap data, see CLBK market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.16 Billion | +7.44% |
| 2024-12-31 | $1.08 Billion | +3.85% |
| 2023-12-31 | $1.04 Billion | -1.26% |
| 2022-12-31 | $1.05 Billion | -88.09% |
| 2021-12-31 | $8.85 Billion | +10.60% |
| 2020-12-31 | $8.00 Billion | +714.15% |
| 2019-12-31 | $982.52 Million | +1.08% |
| 2018-12-31 | $972.06 Million | +105.91% |
| 2017-12-31 | $472.07 Million | +7.37% |
| 2016-12-31 | $439.66 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Columbia Financial Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 90.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $933.72 Million | 80.44% |
| Other Comprehensive Income | $-75.97 Million | -6.55% |
| Other Components | $329.60 Million | 28.40% |
| Total Equity | $1.16 Billion | 100.00% |
Columbia Financial Inc Competitors by Market Cap
The table below lists competitors of Columbia Financial Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Henan Lingrui Pharmaceutical Co Ltd
SHG:600285
|
$1.86 Billion |
|
China Cinda Asset Management Co., Ltd.
F:0CI
|
$1.86 Billion |
|
KEYMED BIOSCIENCES -0001
F:64Z
|
$1.86 Billion |
|
Oriental Energy Co Ltd
SHE:002221
|
$1.86 Billion |
|
Steelcase Inc
NYSE:SCS
|
$1.85 Billion |
|
Com7 Public Company Limited
BK:COM7-R
|
$1.85 Billion |
|
Calibre Mining Corp
TO:CXB
|
$1.85 Billion |
|
Suzhou Victory Precision Manufacture Co Ltd
SHE:002426
|
$1.85 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Columbia Financial Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,080,376,000 to 1,160,728,000, a change of 80,352,000 (7.4%).
- Net income of 51,766,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 34,396,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $51.77 Million | +4.46% |
| Other Comprehensive Income | $34.40 Million | +2.96% |
| Other Changes | $-5.81 Million | -0.5% |
| Total Change | $- | 7.44% |
Book Value vs Market Value Analysis
This analysis compares Columbia Financial Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.68x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.07x to 1.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $3.79 | $19.25 | x |
| 2017-12-31 | $4.07 | $19.25 | x |
| 2018-12-31 | $8.73 | $19.25 | x |
| 2019-12-31 | $8.84 | $19.25 | x |
| 2020-12-31 | $9.21 | $19.25 | x |
| 2021-12-31 | $10.36 | $19.25 | x |
| 2022-12-31 | $9.92 | $19.25 | x |
| 2023-12-31 | $10.11 | $19.25 | x |
| 2024-12-31 | $10.61 | $19.25 | x |
| 2025-12-31 | $11.44 | $19.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Columbia Financial Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.46%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.20%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.49x
- Recent ROE (4.46%) is below the historical average (5.12%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 7.50% | 17.56% | 0.04x | 11.46x | $-11.01 Million |
| 2017 | 6.58% | 15.45% | 0.03x | 12.22x | $-16.14 Million |
| 2018 | 2.34% | 9.21% | 0.04x | 6.88x | $-74.47 Million |
| 2019 | 5.57% | 18.73% | 0.04x | 8.33x | $-43.53 Million |
| 2020 | 5.70% | 17.66% | 0.04x | 8.70x | $-43.53 Million |
| 2021 | 8.53% | 29.79% | 0.03x | 8.55x | $-15.86 Million |
| 2022 | 8.18% | 25.34% | 0.03x | 9.88x | $-19.19 Million |
| 2023 | 3.47% | 8.54% | 0.04x | 10.23x | $-67.95 Million |
| 2024 | -1.08% | -2.57% | 0.04x | 9.70x | $-119.69 Million |
| 2025 | 4.46% | 10.20% | 0.05x | 9.49x | $-64.31 Million |
Industry Comparison
This section compares Columbia Financial Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Columbia Financial Inc (CLBK) | $1.16 Billion | 7.50% | 8.49x | $1.85 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Columbia Financial Inc
Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking and other financial services to businesses and consumers in the United States. The company offers commercial loans, including multifamily and commercial real estate, commercial business, and construction loans; residential loans, such as one-to-four family residential real estate and one-to-four fa… Read more