StockData

MUNCY COLUMBIA FINANCIAL Corp (CCFN) stock analysis

CCFNOTCState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 12/30
$30.48+0.00 (0.00%)

Close on Oct 19, 2026Market cap $323.52MP/E 11.7Yield 2.52%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth2Performance5Health5Dividend0

Mixed12 of 30 checks passed

Muncy Columbia Financial passes 12 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
5/6
Financial health
5/6
Dividend
0/6

What stands out

  • Modest borrowings

    Borrowings other than deposits are 3.9% of equity.

  • Earnings grew over 5 years

    Net income grew 28.9% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 35.7% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 14.4% a year over the last three fiscal years.

What to watch

  • Return on equity under 15%

    Return on equity was 14.7% over the last twelve months and averaged 9.6% over five years; we look for 15% on both.

  • Earnings growth not accelerating

    Net income grew 25.8% over the last twelve months, against a 5-year average of 28.9% a year.

  • Growing slower than the industry

    Revenue grew 11.1% over the last twelve months; the Commercial Banks median is 11.3%.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.9% of loans; we look for at least 1%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 35.7% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 14.4% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 25.8% over the last twelve months, against a 5-year average of 28.9% a year.

  • Growing slower than the industry

    Revenue grew 11.1% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity under 15%

    Return on equity was 14.7% over the last twelve months and averaged 9.6% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Muncy Columbia Financial's return on equity of 14.7% is above the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 28.9% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 36.7% over the last twelve months, against a 5-year average of 27.5%.

  • Net margin above the industry

    Muncy Columbia Financial's net margin of 36.7% is above the Commercial Banks median of 30.3%.

Financial health5/6

  • Well capitalized

    Equity is 11.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 81.3% of deposits, so lending is funded by customer deposits.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.9% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 53.9% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 5.4% over the past year.

  • Modest borrowings

    Borrowings other than deposits are 3.9% of equity.

Dividend0/6

  • No dividend

    Muncy Columbia Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Muncy Columbia Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.0
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2008 to 2025

Net margin

34.1%+6.3 pts over 5 years

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