A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
MUNCY COLUMBIA FINANCIAL Corp
CCFN
$102M
Mkt Cap
$28.95
+0.00%
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a current P/E ratio of 4.6, compared to its historical median P/E of 7.3. The stock is currently considered Cheap based on its historical valuation range.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a 5-year average return on invested capital (ROIC) of 8.5%. This is below average and may indicate limited pricing power.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a market capitalization of $102M. It is classified as a small-cap stock.
Yes, MUNCY COLUMBIA FINANCIAL Corp (CCFN) pays a dividend with a trailing twelve-month yield of 7.94%.
Based on historical P/E analysis, MUNCY COLUMBIA FINANCIAL Corp (CCFN) appears cheap. The current P/E of 4.6 is 36% below its historical median of 7.3. The estimated fair value CAGR (P/E method) is 4.3%.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) operates in the State Commercial Banks industry, within the Financials sector.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) reported annual revenue of $98 million in its most recent fiscal year, based on SEC EDGAR filings.
Muncy Columbia Financial Corporation (the “Corporation”) is a registered financial holding company, bank holding company, and Pennsylvania business corporation, headquartered in Bloomsburg, Pennsylvania. The Corporation has one wholly-owned bank subsidiary, Journey Bank (the “Bank”). A substantial part of the Corporation’s business consists of the management and supervision of the Bank. The Corporation’s principal source of income is dividends paid by the Bank. At December 31, 2025, the Corporation, on a consolidated basis, had approximately: ·$1.7 billion in total assets; ·$1.2 billion in gross loans; ·$1.4 billion in deposits; and ·$193 million in stockholders’ equity. The Corporation and Bank were formed through a merger in 2023. On April 18, 2023, CCFNB Bancorp, Inc. (“CCFNB”) and Muncy Bank Financial, Inc. (“MBF”) jointly announced the signing of a definitive merger agreement to combine the two companies in a strategic merger of equals.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2013 |
|---|---|---|---|---|---|---|
| Revenue | 98M | 98M | 92M | 45M | 32M | 27M |
| Net Income | 24M | 24M | 19M | 3.4M | 9.5M | 6.8M |
| EPS | $6.85 | $6.85 | $5.33 | $0.75 | $2.29 | $1.57 |
| Free Cash Flow | 22M | 22M | 16M | 6.1M | 9.4M | 8.4M |
| ROIC | 10.4% | 10.6% | 10.1% | 2.8% | 10.0% | 8.7% |
| Gross Margin | 74.6% | 74.6% | 74.8% | 61.3% | 81.9% | 89.2% |
| Debt/Equity | 0.28 | 0.28 | 0.74 | 1.64 | 2.00 | 1.13 |
| Dividends/Share | $2.30 | $2.30 | $1.76 | $0.86 | $0.84 | $0.68 |
| Operating Income | 1.6M | 1.6M | 1.9M | 1.0M | 935K | 892K |
| Operating Margin | 1.7% | 1.7% | 2.1% | 2.2% | 2.9% | 3.3% |
| ROE | 12.6% | 13.5% | 11.9% | 2.8% | 10.0% | 9.1% |
| Shares Outstanding | 4M | 4M | 4M | 5M | 4M | 4M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 33M | 33M | 31M | 30M | 27M | 32M | 45M | 92M | 98M | 98M |
| Gross Margin | 71.2% | 75.0% | 80.7% | 85.5% | 89.2% | 81.9% | 61.3% | 74.8% | 74.6% | 74.6% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 16M | 1.8M | 1.7M | 1.7M | 1.8M | 19M | 24M | 38M | 41M | 41M |
| EBIT | 888K | 945K | 1.0M | 1.1M | 892K | 935K | 1.0M | 1.9M | 1.6M | 1.6M |
| Op. Margin | 2.7% | 2.9% | 3.3% | 3.7% | 3.3% | 2.9% | 2.2% | 2.1% | 1.7% | 1.7% |
| Net Income | 5.9M | 6.3M | 6.8M | 7.2M | 6.8M | 9.5M | 3.4M | 19M | 24M | 24M |
| Net Margin | 17.6% | 19.2% | 22.0% | 24.2% | 25.3% | 29.3% | 7.4% | 20.7% | 24.6% | 24.6% |
| Non-Recurring | 186K | 89K | 603K | 36K | 0 | 0 | -62K | 0 | 0 | 0 |
| Returns on Capital | ||||||||||
| ROIC | N/A | 9.4% | 9.3% | 9.2% | 8.7% | 10.0% | 2.8% | 10.1% | 10.6% | 10.4% |
| ROE | N/A | 9.5% | 9.7% | 9.8% | 9.1% | 10.0% | 2.8% | 11.9% | 13.5% | 12.6% |
| ROA | N/A | 2.1% | 1.1% | 1.2% | 1.1% | 1.0% | 0.3% | 1.2% | 1.5% | 1.4% |
| Cash Flow | ||||||||||
| Op. Cash Flow | 6.5M | 8.5M | 4.6M | 2.9M | 8.7M | 9.7M | 7.1M | 17M | 23M | 23M |
| Free Cash Flow | 4.3M | 8.0M | 3.3M | 1.9M | 8.4M | 9.4M | 6.1M | 16M | 22M | 22M |
| Owner Earnings | 3.8M | 5.2M | 1.5M | 1.7M | 7.6M | 9.0M | 6.3M | 13M | 20M | 20M |
| CapEx | 2.2M | 556K | 1.3M | 921K | 293K | 299K | 968K | 407K | 1.4M | 1.4M |
| Maint. CapEx | 1.0M | 1.5M | 1.4M | 1.2M | 1.1M | 662K | 790K | 3.7M | 3.5M | 3.5M |
| Growth CapEx | 1.2M | 0 | 0 | 0 | 0 | 0 | 178K | 0 | 0 | 0 |
| D&A | 1.0M | 1.5M | 1.4M | 1.2M | 1.1M | 662K | 790K | 3.7M | 3.5M | 3.5M |
| CapEx/OCF | N/A | N/A | N/A | 32.3% | 3.4% | N/A | N/A | 2.4% | N/A | 6.0% |
| Capital Allocation | ||||||||||
| Dividends Paid | 2.3M | 2.6M | 2.8M | 2.9M | 2.9M | 3.5M | 3.6M | 6.3M | 8.1M | 8.1M |
| Dividend Yield | N/A | N/A | N/A | 3.1% | 3.0% | N/A | N/A | 5.6% | N/A | 7.9% |
| Share Buybacks | 537K | 1.1M | 973K | 1.5M | 625K | 25K | 0 | 1.5M | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 3.1% | 1.3% | 0.0% | 0.0% | 1.1% | 0.0% | 0.0% |
| Stock-Based Comp | 1.6M | 1.8M | 1.7M | 6K | 6K | 8K | 8K | 21K | 19K | 19K |
| Debt Repayment | 3.5M | 6.8M | 471K | 5.7M | 20M | 29M | 21M | 184M | 56M | 56M |
| Balance Sheet | ||||||||||
| Net Debt | 4.0M | 56M | -142M | -113M | -95M | -182M | -179M | -217M | -323M | 4.5M |
| Cash & Equiv. | -2.3M | 2.6M | 9.6M | 10M | 2.9M | 13M | 18M | 17M | 49M | 49M |
| Long-Term Debt | 1.0M | N/A | 6.1M | 4.1M | 2.1M | N/A | N/A | 56M | 41M | 41M |
| Debt/Equity | N/A | 0.87 | 0.90 | 0.91 | 1.13 | 2.00 | 1.64 | 0.74 | 0.28 | 0.28 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | N/A | 68M | 71M | 75M | 76M | 86M | 154M | 166M | 193M | 193M |
| Total Assets | N/A | 614M | 625M | 608M | 624M | 944M | 1.6B | 1.6B | 1.7B | 1.7B |
| Total Liabilities | N/A | 546M | 553M | 533M | 548M | 858M | 1.5B | 1.4B | 1.5B | 1.5B |
| Intangibles | N/A | 2.2M | 1.6M | 1.2M | 835K | N/A | 12M | 10M | 8.0M | 8.0M |
| Retained Earnings | N/A | 36M | 40M | 45M | 49M | 90M | 91M | 103M | 119M | 119M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||
| EPS | 1.31 | 1.41 | 1.53 | 1.63 | 1.57 | 2.29 | 0.75 | 5.33 | 6.85 | 6.85 |
| Owner EPS | 0.85 | 1.17 | 0.34 | 0.38 | 1.74 | 2.16 | 1.38 | 3.69 | 5.58 | 5.58 |
| Book Value | N/A | 15.18 | 16.07 | 16.93 | 17.40 | 20.69 | 33.84 | 46.63 | 54.44 | 54.44 |
| Cash Flow/Share | 1.44 | 1.91 | 1.03 | 0.65 | 1.99 | 2.33 | 1.56 | 4.74 | 6.58 | 7.85 |
| Dividends/Share | 0.52 | 0.59 | 0.62 | 0.65 | 0.68 | 0.84 | 0.86 | 1.76 | 2.30 | 2.30 |
| Shares Out. | 4.5M | 4.5M | 4.4M | 4.4M | 4.4M | 4.2M | 4.5M | 3.6M | 3.5M | 3.5M |
| Valuation | ||||||||||
| P/E Ratio | N/A | N/A | N/A | 6.7 | 7.3 | N/A | N/A | 7.3 | N/A | 4.2 |
| P/FCF | N/A | N/A | N/A | 49.9 | 11.8 | N/A | N/A | 8.5 | N/A | 4.7 |
| EV/EBIT | N/A | N/A | N/A | 102.3 | 149.2 | N/A | N/A | 106.9 | N/A | 65.1 |
| Price/Book | N/A | N/A | N/A | 0.6 | 0.7 | N/A | N/A | 0.8 | N/A | 0.5 |
| Price/Sales | N/A | N/A | N/A | 1.7 | 2.0 | N/A | N/A | 1.8 | N/A | 1.0 |
| FCF Yield | N/A | N/A | N/A | 4.0% | 16.9% | N/A | N/A | 11.9% | N/A | 21.4% |
| Market Cap | 0 | 0 | 0 | 48M | 50M | 0 | 0 | 139M | 0 | 102M |
| Avg. Price | 0.00 | 0.00 | 0.00 | 20.78 | 22.39 | 0.00 | 0.00 | 31.30 | 0.00 | 28.95 |
| Year-End Price | 0.00 | 0.00 | 0.00 | 21.90 | 22.72 | 0.00 | 0.00 | 39.26 | 0.00 | 28.95 |
MUNCY COLUMBIA FINANCIAL Corp passes 5 of 9 quality checks, suggesting mixed fundamentals.
MUNCY COLUMBIA FINANCIAL Corp trades at 4.6x trailing earnings, compared to its 15-year median P/E of 7.3x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 5.0x vs a median of 11.8x. The company's 5-year average ROIC is 8.5% with a gross margin of 76.4%. Total shareholder yield (dividends) is 7.9%. At current prices, the estimated annualized return to fair value is -5.8%.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a net profit margin of 24.6%. This is a strong margin indicating high profitability.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) generated $22 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a debt-to-equity ratio of 0.28. This indicates a conservatively financed balance sheet.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) reported earnings per share (EPS) of $6.85 in its most recent fiscal year.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a return on equity (ROE) of 13.5%. This indicates moderate shareholder returns.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a 5-year average gross margin of 76.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 9 years of financial data for MUNCY COLUMBIA FINANCIAL Corp (CCFN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a book value per share of $54.44, based on its most recent annual SEC filing.
No recent press releases.