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    Banks - Regional
Muncy Columbia Financial Corporation

Muncy Columbia Financial Corporation

CCFN
Muncy Columbia Financial CorporationUS flagOther OTC
28.74
USD
-0.06
- -
305.00MMarket Cap
Muncy Columbia Financial Corporation
CCFN
(Other OTC)

Recent

price

28.74

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.91
3.78
3.96
3.74
3.83
3.85
3.93
4.2
4.26
4.55
4.74
4.79
4.55
4.44
5.68
6.69
5.29
Revenue per Share
0.94
1.02
1.08
1.04
1.05
1.07
1.12
1.14
1.26
1.41
1.49
1.51
1.53
0.5
1.78
2.28
2
Basic EPS, GAAP
1.19
0.49
0.29
1.29
2.69
1.15
1.05
1.18
1.29
1.61
1.16
2.3
1.5
0.89
1.51
2.06
2.79
Free Cash Flow per Basic Share
0.39
0.41
0.43
0.45
0.46
0.47
0.48
0.49
0.5
0.52
0.53
1.04
0.56
0.52
0.59
0.77
0.45
Dividend per Share
5.86
6.49
7.21
7.87
8.49
9.14
9.87
10.55
11.35
12.32
13.42
13.97
14.93
13.94
10.1
11.71
- -
Book Value per Share
8.62
9.17
9.78
10.1
10.98
11.54
12.01
12.62
13.19
14.33
15.38
15.24
12.51
17.01
12.21
14.98
- -
Tangible Book Value per Share
7
7
7
7
7
6
6
6
6
6
6
6
6
7
11
11
11
Basic Weighted Avg Shares
26
25
26
24
25
25
25
27
27
29
30
30
28
30
61
71
56
Sales/Revenue/Turnover
32.98
- -
36.3
36.51
35.84
35.62
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
1
1
1
1
1
1
1
1
1
1
1
1
4
4
3
Depreciation Expense
6
7
7
7
7
7
7
7
8
9
9
9
10
3
19
24
21
Net Income, GAAP
26.95
25.47
24.66
23.66
23.56
22.29
21.85
30.41
14.57
15.12
17.34
19.98
14.6
9.73
14.85
16.76
17.32
Effective Tax Rate (%)
24.09
26.85
27.35
27.87
27.4
27.68
28.41
27.2
29.5
30.94
31.41
31.48
33.5
11.15
31.27
34.14
37.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
11
6
4
2
- -
- -
- -
- -
- -
1
1
1
- -
70
56
41
- -
LT Debt
68
71
75
76
80
83
86
90
93
100
106
104
86
154
166
193
- -
Total Equity
4.6
- -
6.67
8.31
8.25
7.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
16.85
16.42
15.74
13.76
12.79
12.06
11.69
11.17
11.47
11.86
11.5
10.99
10.56
3.6
18.71
20.86
37.56
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
41
41
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11
11
- -
Market Capitalization
199
233
293

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
207
253
- -
Accounts Receivable, Net
5
5
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
5
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.87%
16.79%
15.7%
Free Cash Flow
23.39%
45.4%
35.54%
Net Income, GAAP
45.79%
85.31%
27.35%
Sales/Revenue/Turnover
13.73%
23.9%
16.64%
Total Cash Common Dividend
16.61%
31.46%
29.67%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14
15
15
16
61
2025
16
17
19
19
71
2026
18
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.38
0.44
0.47
0.49
1.78
2025
0.41
0.54
0.63
0.7
2.28
2026
0.67
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.15
0.15
0.15
0.59
2025
0.15
0.32
0.15
0.15
0.77
2026
0.15
- -
- -
- -
- -
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Business
Muncy Columbia Financial Corporation (CCFN) operates as the holding company for Journey Bank, a full-service community commercial bank serving individuals, families, nonprofits, businesses, and municipal customers primarily in northcentral Pennsylvania. Journey Bank provides a comprehensive range of deposit products, including noninterest-bearing and interest-bearing checking accounts, savings accounts, repo sweep accounts, individual retirement accounts, money market accounts, demand deposits, time deposits, and certificates of deposit; lending solutions encompassing commercial loans, consumer loans, mortgage loans, commercial real estate loans (including commercial mortgages and student housing), residential real estate loans, multifamily loans, and industrial loans; and additional services such as full trust powers for corporate and personal fiduciary services, brokerage services through third-party arrangements, personal banking, business banking, home loans, digital banking, and debit card services. The bank maintains 22 branches across Clinton, Columbia, Lycoming, Montour, Luzerne, Northumberland, Sullivan, and Union counties, with its main office in Bloomsburg, Pennsylvania, where the holding company is also headquartered. Founded in 1926 with community banking roots tracing to 1899, the company manages approximately $1.6 billion in total assets. In November 2023, Muncy Columbia Financial Corporation emerged from the strategic merger of equals between CCFNB Bancorp, Inc. and Muncy Bank Financial, Inc., with the corresponding bank subsidiaries—First Columbia Bank & Trust Co. and The Muncy Bank and Trust Company—consolidating under the Journey Bank name, thereby expanding its footprint, enhancing product offerings, and strengthening capital position to better serve local markets.

Company News

APIChatGPT

  • businesswire.com

    Muncy Columbia Financial Corporation Announces Second Quarter 2026 Earnings

  • seekingalpha.com

    Dividend Champion, Contender, And Challenger Highlights: Week Of June 7

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend and Authorizes New Treasury Stock Repurchase Program

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Stock Split

  • businesswire.com

    Muncy Columbia Financial Corporation Announces First Quarter 2026 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividends

  • businesswire.com

    Muncy Columbia Financial Corporation Announces Fourth Quarter 2025 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend

  • businesswire.com

    Muncy Columbia Financial Corporation Announces Third Quarter 2025 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend

  • fool.com

    Muncy Columbia Grows Income in Q2

  • businesswire.com

    Muncy Columbia Financial Corporation Announces Second Quarter 2025 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Special One-Time Cash Dividend and Announces First Quarter 2025 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend

  • businesswire.com

    Muncy Columbia Financial Corporation Reports Fourth Quarter 2024 Earnings

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend

  • businesswire.com

    Muncy Columbia Financial Corporation Reports Third Quarter 2024 Earnings

  • businesswire.com

    Timothy Hatch, MPA, REHS, Honored with Walter F. Snyder Environmental Health Award

  • businesswire.com

    Muncy Columbia Financial Corporation Declares Dividend and Authorizes New Treasury Stock Repurchase Program