MUNCY COLUMBIA FINANCIAL Corp
MUNCY COLUMBIA FINANCIAL Corp
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 14 | 13 | 14 | 15 | 14 | 11 | 21 | 18 | 12 | 15 | 8 | 11 | |||||
Interest Bearing Deposits In Banks | 47 | 36 | 32 | 25 | 10 | 6 | 7 | 3 | 4 | 4 | 9 | 2 | |||||
Federal Funds Sold | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Cash And Cash Equivalents At Carrying Value | 60 | 49 | 45 | 41 | 24 | 17 | 28 | 21 | 16 | 18 | 17 | 13 | |||||
Available For Sale Securities Debt Securities | 355 | 327 | 318 | 293 | 307 | 323 | 336 | 335 | 340 | 413 | 322 | 336 | |||||
Equity Securities Fv Ni Current And Noncurrent | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Federal Home Loan Bank Stock | - | - | - | - | - | - | - | - | - | - | 4 | 4 | |||||
Restricted Investments | 5 | 5 | 5 | 6 | 6 | 7 | 8 | 8 | 8 | 10 | - | - | |||||
Loans Receivable Held For Sale Amount | 1 | 1 | 2 | 3 | 2 | 2 | 2 | 1 | 1 | 0 | 1 | 0 | |||||
Financing Receivable Excluding Accrued Interest Be… | 1,182 | 1,178 | 1,170 | 1,157 | 1,144 | 1,126 | 1,113 | 1,101 | 1,081 | 1,068 | 556 | 550 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -10 | -10 | -11 | -10 | -10 | -10 | -9 | -9 | -9 | -9 | -6 | -6 | |||||
Assets | |||||||||||||||||
Assets | 1,717 | 1,673 | 1,655 | 1,616 | 1,602 | 1,596 | 1,607 | 1,592 | 1,573 | 1,640 | 958 | 960 | |||||
Financing Receivable Excluding Accrued Interest Af… | 1,172 | 1,168 | 1,159 | 1,147 | 1,134 | 1,116 | 1,103 | 1,091 | 1,071 | 1,059 | 550 | 544 | |||||
Property Plant And Equipm… | |||||||||||||||||
Operating Lease Right Of Use Asset | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Property Plant And Equipment Net | 26 | 26 | 26 | 27 | 27 | 26 | 27 | 27 | 27 | 28 | 12 | 12 | |||||
Foreclosed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | |||||
Accrued Investment Income Receivable | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 3 | 2 | |||||
Bank Owned Life Insurance | 42 | 42 | 42 | 41 | 41 | 41 | 41 | 41 | 40 | 40 | 22 | 22 | |||||
Investments In Affiliates Subsidiaries Associates … | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 5 | |||||
Deferred Income Tax Assets Net | 6 | 6 | 7 | 8 | 9 | 10 | 9 | 12 | 12 | 13 | - | - | |||||
Goodwill | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 8 | 8 | |||||
Other Intangible Assets Net | 8 | 8 | 9 | 9 | - | 10 | - | - | - | - | - | - | |||||
Finite Lived Intangible Assets Net | - | 8 | - | - | 10 | 10 | 11 | 11 | 11 | 12 | - | - | |||||
Other Assets | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 8 | 8 | 7 | 11 | 10 | |||||
Interest Bearing Deposit Liabilities | 1,170 | 1,136 | 1,125 | 1,088 | 1,065 | 1,033 | 1,021 | 1,002 | 950 | 885 | 475 | 483 | |||||
Noninterest Bearing Deposit Liabilities | 283 | 277 | 272 | 273 | 274 | 260 | 270 | 263 | 264 | 266 | 166 | 176 | |||||
Deposits | 1,454 | 1,413 | 1,397 | 1,361 | 1,339 | 1,292 | 1,290 | 1,266 | 1,214 | 1,151 | 641 | 658 | |||||
Short Term Borrowings | 11 | 12 | 17 | 18 | 28 | 68 | 73 | 89 | 126 | 253 | 199 | 182 | |||||
Long Term Debt | 41 | 41 | 41 | 45 | 50 | 56 | 60 | 66 | 66 | 70 | 25 | 25 | |||||
Liabilities | |||||||||||||||||
Liabilities | 1,525 | 1,481 | 1,470 | 1,440 | 1,431 | 1,430 | 1,438 | 1,435 | 1,418 | 1,486 | 869 | 870 | |||||
Dividends Payable Current And Noncurrent | 4 | - | - | - | - | - | - | - | - | - | - | - | |||||
Interest Payable Current And Noncurrent | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | |||||
Operating Lease Liability | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Other Liabilities | 15 | 13 | 14 | 14 | 12 | 11 | 12 | 12 | 11 | 10 | 4 | 3 | |||||
Common Stock Value | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 3 | 3 | |||||
Additional Paid In Capital Common Stock | 84 | 84 | 84 | 84 | 84 | 84 | 84 | 83 | 83 | 83 | 30 | 30 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 121 | 119 | 114 | 108 | 106 | 103 | 100 | 96 | 93 | 91 | 93 | 92 | |||||
Stockholders Equity | 192 | 193 | 184 | 176 | 171 | 166 | 169 | 158 | 155 | 154 | 88 | 90 | |||||
Accumulated Other Comprehensive Income Loss Availa… | -7 | -4 | -6 | -9 | -12 | -14 | -9 | -17 | -17 | -15 | -27 | -25 | |||||
Treasury Stock Value | -11 | -11 | -11 | -11 | -11 | -11 | -10 | -10 | -10 | -10 | -10 | -10 | |||||
Liabilities And Stockholders Equity | 1,717 | 1,673 | 1,655 | 1,616 | 1,602 | 1,596 | 1,607 | 1,592 | 1,573 | 1,640 | 958 | 960 | |||||
Common Stock Par Or Stated Value Per Share | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | 1.25 | |||||
Common Stock Shares Authorized | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Common Stock Shares Issued | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | |||||
Shares Outstanding | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.27% | 10.75% | 17.41% | - | - | - | - | - | - | - | - | - |
| 2025 | 3.11% | 7.91% | 12.22% | 2.36% | 2.98% | 8.46% | 0.67% | 5.28% | 13.35% | 6.69% | 21.38% | 33.38% |
| 2024 | 4.58% | 4.61% | 10.95% | 2.03% | -1.67% | 1.46% | 11.32% | 19.27% | 27.37% | -3.53% | -3.14% | 6.94% |
| 2023 | - | - | - | -4.19% | 0.46% | -2.83% | -5.95% | -4.05% | -6.08% | 7.32% | 4.03% | 3.25% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 16.99 | 14.22 | 9.02 | 7.83 | 7.04 | 3.01 | 1.94 | 1.59 | 1.37 | 1.40 | 2.01 | 2.73 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | - | - | - | - | 5.47 | 5.33 | 4.07 | 2.99 | 2.08 | 2.35 | 3.02 | 3.17 | |||||
| Free Cash Flow Per Share TTM | 9.69 | 6.19 | 5.82 | 4.85 | 4.77 | 4.62 | 3.55 | 2.61 | 2.77 | 2.64 | 0.88 | 0.43 | |||||
| Dividend Per Share TTM | 2.31 | 2.30 | 2.29 | 2.28 | 1.78 | 1.76 | 1.57 | 1.38 | 1.44 | 1.89 | 1.99 | 1.92 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 70.13% | 68.85% | 67.14% | 65.17% | 63.36% | 61.74% | 60.97% | 60.52% | 60.44% | 64.03% | 71.03% | 79.20% | |||||
| Operating Profit Margin TTM | 36.26% | 33.06% | 30.49% | 28.64% | 27.48% | 27.33% | 20.42% | 17.40% | 14.57% | 14.49% | 29.34% | 36.08% | |||||
| Net Profit Margin TTM | 30.01% | 27.52% | 25.65% | 24.23% | 23.38% | 23.27% | 17.56% | 15.14% | 12.75% | 12.28% | 23.46% | 28.06% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 8.93% | 7.68% | 3.74% | 19.43% | 42.00% | 87.54% | 209.53% | 200.40% | 181.46% | 108.81% | 25.34% | 6.33% | |||||
| Net Income Growth (1Y) | 39.85% | 27.35% | 51.56% | 91.16% | 160.43% | 255.30% | 131.74% | 62.05% | 8.87% | -18.17% | -5.24% | -6.39% | |||||
| EPS Growth (1Y) | 39.69% | 28.56% | 53.23% | 93.24% | 163.21% | 127.02% | 34.87% | -5.66% | -33.49% | -21.82% | -0.67% | -1.65% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 2.82 | 2.66 | 2.57 | 2.54 | 2.39 | 2.42 | 2.56 | 3.27 | 4.42 | 4.42 | 3.35 | 3.93 | |||||
| P/B TTM | 0.40 | 0.33 | 0.31 | 0.29 | 0.27 | 0.28 | 0.22 | 0.22 | 0.21 | 0.15 | 0.24 | 0.29 | |||||
| P/S TTM | 0.85 | 0.73 | 0.66 | 0.62 | 0.56 | 0.56 | 0.45 | 0.50 | 0.56 | 0.54 | 0.79 | 1.10 | |||||
| Market Cap | 76.19M | 64.41M | 56.77M | 51.79M | 46.23M | 46.10M | 37.30M | 34.92M | 32.82M | 23.67M | 21.02M | 25.84M | |||||
| Enterprise Value | 67.05M | 68.91M | 68.86M | 74.65M | 100.54M | 152.64M | 142.72M | 168.33M | 208.02M | 328.27M | 227.68M | 220.09M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 34.26M | 21.89M | 20.56M | 17.15M | 16.86M | 16.49M | 12.70M | 9.31M | 9.88M | 6.02M | 1.83M | 901.00K | |||||
| Net Debt | -9.13M | 4.50M | 12.09M | 22.86M | 54.31M | 106.54M | 105.42M | 133.41M | 175.21M | 304.60M | 206.66M | 194.25M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
MUNCY COLUMBIA FINANCIAL Corp (CCFN) — SEC Financial Statements & Analysis
MUNCY COLUMBIA FINANCIAL Corp (CCFN) is a state commercial banks company, incorporated in PA. MUNCY COLUMBIA FINANCIAL Corp trades on OTC as: CCFN. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), MUNCY COLUMBIA FINANCIAL Corp reported a 8.93% year-over-year revenue growth, a Gross Profit Margin of 70.13% (TTM), a Price-to-Sales (P/S) ratio of 0.85x (TTM), a Price-to-Book (P/B) ratio of 0.4 (TTM), at a market cap of $76.19M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 8.93%
- Gross Profit Margin TTM
- 70.13%
- P/S TTM
- 0.85x
- P/B TTM
- 0.4
- Market Cap
- $76.19M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is MUNCY COLUMBIA FINANCIAL Corp in?
MUNCY COLUMBIA FINANCIAL Corp (CCFN) operates in the State Commercial Banks industry.
What is CCFN's market cap?
MUNCY COLUMBIA FINANCIAL Corp (CCFN) has a market capitalization of $76.19M as of 2026-03-31.
What is CCFN's P/E ratio?
MUNCY COLUMBIA FINANCIAL Corp (CCFN)'s trailing twelve month P/E ratio is 2.82x as of 2026-03-31.
What exchange does CCFN trade on?
MUNCY COLUMBIA FINANCIAL Corp (CCFN) trades on the OTC.
Where is MUNCY COLUMBIA FINANCIAL Corp incorporated?
MUNCY COLUMBIA FINANCIAL Corp is incorporated in PA.