Muncy Columbia Financial Corpor (CCFN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Muncy Columbia Financial Corpor

OTC Markets OTCQX•Financial Services•Banks - Regional

$28.78-0.02(<0.01%)Pre-market

Market Cap

$316.67M

P/E

11.1x

P/S

4.2x

P/B

1.6x

Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking products and services in Pennsylvania. It offers deposit accounts, including time and demand deposit, checking, money market, interest checking, individual retirement, and repo sweep, as well as statement savings and certificates of deposit; and lending products, such as commercial, consumer, and mortgage loans. The company also provides trust services comprising administration of various estates, pension plans, self-directed IRA's, and other services; and financial services, which include brokerage, stocks, bonds, and other non-insured financial products. It serves individuals and small to medium-sized businesses. The company was formerly known as CCFNB Bancorp, Inc. and changed its name to Muncy Columbia Financial Corporation in November 2023. Muncy Columbia Financial Corporation was founded in 1926 and is headquartered in Bloomsburg, Pennsylvania.

How this company scores

GoodMetricSide Score: 73/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability20/25

Growth22/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.1x5y range 2.6x – 3718.7x

Currently above its 20-quarter median.

P/S · 4.2x5y range 0.7x – 985.8x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.2x – 325.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 196.9% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $316.67M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $75.87M
Q. Revenue: $19.33M
TTM EBITDA: $36.15M
TTM Op. Income: $34.24M
Q. Op. Income: $8.52M
TTM Net Income: $28.42M
Q. Net Income: $7.16M
EPS: $0.67
Shares Out.: $10.61M

$75.87M in TTM revenue grew 16.8% YoY, reaching $19.33M last quarter. TTM EBITDA of $36.15M and TTM operating income of $34.24M show growth is flowing through to the bottom line. TTM net income of $28.42M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 65.7%
EBITDA Margin: 46.4%
Op. Margin: 44.1%
Net Margin: 37.0%

Op. margin of 44.1% is up 3.4% YoY — cost efficiency is improving. Net margin at 37.0% and gross margin of 65.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.1x
P/S Ratio: 4.2x
P/B Ratio: 1.6x

At 11.1x P/E, the stock trades below typical market levels. P/S of 4.2x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 5 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.67B
Cash: $20.14M
Long-Term Debt: N/A
Book Value: $198.67M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.60M
TTM Free Cash Flow: $34.41M
FCF Margin: 45.4%
FCF / Net Income: 1.2

TTM FCF of $34.41M on $5.60M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.