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Muncy Columbia Financial(OTC) CCFN

Market Cap$301.23MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+2,717%
5 Year+107%
1 Year+78%
1 Month-0%
$28.38
-0.91%
-0.26Today
Muncy Columbia Financial last closing stock price
MetricPriceDate
Last closeUSD 28.382026-08-21
Muncy Columbia Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.94%USD 28.652026-08-14
1 month-0.49%USD 28.522026-07-22
3 month+5.41%USD 26.922026-05-22
Year to date+55.74%USD 18.222025-12-31
1 year+78.35%USD 15.912025-08-21
3 year+147.29%USD 11.482023-08-22
5 year+107.31%USD 13.692021-08-20
Since inception+2,717.07%USD 1.011990-10-03

Muncy Columbia Financial Financials at a Glance

Market Cap

$301.23MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$102.55M

Net Income (TTM)

$28.42M

EPS (TTM)

$2.68

P/E Ratio

10.59

Dividend

$1.52

Beta (Volatility)

0.05 (Low)

Price

$28.38

Volume

1,521

Open

$28.31

Previous Close

$28.38

Daily Range

$28.10 - $28.39

52-Week Range

$15.78 - $29.99

Estimated Earnings Date

Apr 20, 2026

CCFN News

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Muncy Columbia Grows Income in Q2

Motley Fool Markets TeamJul 21, 2025

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About Muncy Columbia Financial

Muncy Columbia helps people and businesses manage money and access loans locally. Its bank accounts and lending services support daily needs, like buying homes or running small businesses. The company’s focus is on serving communities in Northcentral Pennsylvania with practical financial solutions.

Money Matters: What Muncy Columbia Offers

  • Retail banking: Checking, savings, and deposit accounts for individuals and families (percentage of revenue not disclosed).
  • Commercial banking: Loans for businesses, including real estate and equipment financing (commercial loans are 8.2% of total loans).
  • Residential real estate loans: Mortgages for homebuyers, mainly for 1-4 family properties (56.8% of total loans).
  • Consumer loans: Personal loans for cars, education, or other needs (1.6% of total loans).
  • Wealth management: Brokerage and trust services for individuals and local governments (percentage of revenue not disclosed).

Growth Spurts: How Muncy Columbia Has Evolved

  • Rebranded from CCFNB Bancorp to Muncy Columbia in 2023.
  • Subsidiary bank renamed Journey Bank in 2023, expanding local brand presence.
  • Focused on organic growth in loans and deposits since 2024.
  • Invested in technology and data processing to improve customer service in 2025.
  • No major acquisitions or international expansion as of June 2025.

Why Muncy Columbia Stands Out

The company operates only in Northcentral Pennsylvania, allowing for deep local knowledge. It maintains strong capital ratios, supporting stability and regulatory compliance. Its single-segment community banking model keeps operations focused and risk controlled.

Five Things You Need to Know

  • Total revenue was $23 million in Q3 2025, down 3.9% year-over-year.
  • Net income reached $5.8 million in Q2 2025, up 23.4% from Q2 2024.
  • Loans receivable were $1.16 billion as of June 30, 2025, up 2.8% from year-end 2024.
  • Deposits totaled $1.36 billion as of June 30, 2025, up 5.3% from year-end 2024.
  • Return on average equity was 13.33% in Q2 2025, up from 12.28% in Q2 2024.

Bottom Line

Muncy Columbia has grown by focusing on local banking and steady financial management. Its community-driven approach and strong capital base support long-term stability.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

253

CEO

Lance O. Diehl, MBA

Website

www.journeybank.com

Headquarters

Bloomsburg, PA 17815, US

CCFN Financials

Key Financial Metrics (TTM)

Gross Margin

73.07%

Operating Margin

33.36%

Net Income Margin

27.72%

Return on Equity

14.81%

Return on Capital

11.83%

Return on Assets

1.70%

Earnings Yield

9.44%

Dividend Yield

2.12%

Payout Ratio

16.92%

Stock Overview

Market Cap

$301.23MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.61M

Volume

1.52K

Avg. Volume

3.05K

Financials (TTM)

Gross Profit

$74.93M

Operating Income

$34.21M

EBITDA

$36.38M

Operating Cash Flow

$52.12M

Capital Expenditure

-$402.00K

Free Cash Flow

$51.72M

Cash & ST Invst.

$344.55M

Total Debt

$24.30M

Muncy Columbia Financial Performance Analysis

Muncy Columbia Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 32,459,0001.0%
20232023-12-31USD 45,468,00040.1%
20242024-12-31USD 92,118,000102.6%
20252025-12-31USD 98,381,0006.8%
Muncy Columbia Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-306.7%
Q42025-12-310.8%
Q12026-03-31-1.2%
Q22026-06-302.2%
Muncy Columbia Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.531.1%
20232023-12-31USD 0.50-67.5%
20242024-12-31USD 1.78258.9%
20252025-12-31USD 2.2828.6%
Muncy Columbia Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3016.6%
Q42025-12-3110.0%
Q12026-03-31-3.8%
Q22026-06-30N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$25.96M

+8.6%

Gross Profit

$18.94M

+12.8%

Gross Margin

72.94%

N/A

Market Cap

$301.23MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.19M

N/A

Employees

253

N/A

Net Income

$7.16M

+24.0%

EBITDA

$8.52M

+9.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$344.55M

+96.9%

Total Debt

$24.30M

-61.8%

Accounts Receivable

$5.57M

+10.0%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$24.30M

+34.1%

Return on Assets

1.70%

N/A

Return on Invested Capital

2.08%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

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Questions About CCFN

What is the current price of Muncy Columbia Financial?

Muncy Columbia Financial is trading at $28.38 per share.

What is the 52-week range for Muncy Columbia Financial?

Over the past 52 weeks, Muncy Columbia Financial has traded between $15.78 and $29.99.

How much debt does Muncy Columbia Financial have?

As of the most recent reporting period, Muncy Columbia Financial reported total debt of $24.30M.

How much cash does Muncy Columbia Financial have on hand?

Muncy Columbia Financial does not have cash on hand data available.

What is Muncy Columbia Financial’s dividend yield?

Muncy Columbia Financial currently has a dividend yield of 2.12%.

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