CCFN

Muncy Columbia Financial Corporation

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Price alert · CCFN

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29.49 USD 0.00 0.00%
As of Oct 30, 2026
29.25 Day range 29.49
17.39 52-week range 30.60
YTD
+57.28%
1 year
+69.48%
Open
29.35
Prev close
29.49
Mkt cap
313.06M
Vol
8.53K
Avg vol
2.75K
EPS
2.62
P/E
11.26
More statistics
Low
29.25
High
29.49

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 8.2×
FY 2016: 12.5×FY 2017: 14.3×FY 2018: 13.2×FY 2019: 11.5×FY 2020: 9.8×FY 2021: 11.5×FY 2022: 10.5×FY 2023: 23.8×FY 2024: 7.9×FY 2025: 8.2×
FY 2016 5y median 10.5× FY 2025
P/S 2.0×
FY 2016: 3.3×FY 2017: 3.5×FY 2018: 3.4×FY 2019: 3.1×FY 2020: 2.8×FY 2021: 3.4×FY 2022: 3.1×FY 2023: 1.8×FY 2024: 1.6×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 0.5×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 4.6×
FY 2016: 13.4×FY 2017: 13.9×FY 2018: 12.8×FY 2019: 10.1×FY 2020: 12.6×FY 2021: 7.6×FY 2022: 10.7×FY 2023: 13.2×FY 2024: 9.3×FY 2025: 4.6×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA 7.3×
FY 2016: 15.8×FY 2017: 16.4×FY 2018: 20.6×FY 2019: 17.2×FY 2020: 8.0×FY 2021: 13.0×FY 2022: 21.9×FY 2023: 81.4×FY 2024: 9.8×FY 2025: 7.3×
FY 2016 5y median 13.0× FY 2025
EV/Sales 2.4×
FY 2016: 5.8×FY 2017: 6.2×FY 2018: 6.7×FY 2019: 5.7×FY 2020: 2.9×FY 2021: 5.1×FY 2022: 8.0×FY 2023: 8.5×FY 2024: 2.8×FY 2025: 2.4×
FY 2016 5y median 5.1× FY 2025
FCF Yield 21.9%
FY 2016: 7.5%FY 2017: 7.2%FY 2018: 7.8%FY 2019: 9.9%FY 2020: 7.9%FY 2021: 13.2%FY 2022: 9.4%FY 2023: 7.6%FY 2024: 10.8%FY 2025: 21.9%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 71.3%
FY 2016: 91.4%FY 2017: 89.1%FY 2018: 85.6%FY 2019: 83.1%FY 2020: 87.5%FY 2021: 92.6%FY 2022: 93.1%FY 2023: 61.3%FY 2024: 65.1%FY 2025: 71.3%
FY 2016 5y median 71.3% FY 2025
Operating Margin 29.5%
FY 2016: 33.5%FY 2017: 35.5%FY 2018: 30.3%FY 2019: 31.3%FY 2020: 34.5%FY 2021: 36.6%FY 2022: 34.3%FY 2023: 8.3%FY 2024: 24.3%FY 2025: 29.5%
FY 2016 5y median 29.5% FY 2025
Net Margin 24.6%
FY 2016: 26.2%FY 2017: 24.7%FY 2018: 25.8%FY 2019: 26.6%FY 2020: 28.5%FY 2021: 29.3%FY 2022: 29.3%FY 2023: 7.4%FY 2024: 20.7%FY 2025: 24.6%
FY 2016 5y median 24.6% FY 2025
ROE 12.6%
FY 2016: 8.3%FY 2017: 8.1%FY 2018: 8.6%FY 2019: 8.9%FY 2020: 8.8%FY 2021: 9.0%FY 2022: 11.1%FY 2023: 2.2%FY 2024: 11.4%FY 2025: 12.6%
FY 2016 5y median 11.1% FY 2025
ROIC 5.9%
FY 2016: 4.2%FY 2017: 3.8%FY 2018: 3.8%FY 2019: 4.2%FY 2020: 4.2%FY 2021: 3.7%FY 2022: 3.6%FY 2023: 0.7%FY 2024: 6.3%FY 2025: 5.9%
FY 2016 5y median 3.7% FY 2025
ROA 1.4%
FY 2016: 1.1%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 1.2%FY 2020: 1.1%FY 2021: 1.0%FY 2022: 1.0%FY 2023: 0.2%FY 2024: 1.2%FY 2025: 1.4%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 6.8%
FY 2016: 1.9%FY 2017: 8.2%FY 2018: 4.9%FY 2019: 8.1%FY 2020: -2.5%FY 2021: -1.9%FY 2022: 1.0%FY 2023: 40.1%FY 2024: 102.6%FY 2025: 6.8%
FY 2016 FY 2025
Operating Income 30.0%
FY 2016: 3.1%FY 2017: 14.5%FY 2018: -10.5%FY 2019: 12.0%FY 2020: 7.3%FY 2021: 4.1%FY 2022: -5.2%FY 2023: -66.3%FY 2024: 495.4%FY 2025: 30.0%
FY 2016 FY 2025
EPS (diluted) 28.3%
FY 2016: 4.7%FY 2017: 2.4%FY 2018: 9.9%FY 2019: 11.9%FY 2020: 5.9%FY 2021: 1.3%FY 2022: 1.1%FY 2023: -67.5%FY 2024: 257.7%FY 2025: 28.3%
FY 2016 FY 2025
Free Cash Flow 169.3%
FY 2016: -9.8%FY 2017: 12.5%FY 2018: 9.3%FY 2019: 23.6%FY 2020: -28.6%FY 2021: 96.7%FY 2022: -34.6%FY 2023: -34.7%FY 2024: 164.1%FY 2025: 169.3%
FY 2016 FY 2025

Financial Health

Current Ratio 27.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 27.7×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 27.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 27.7×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.3×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 1.4×FY 2022: 2.0×FY 2023: 2.1×FY 2024: 0.7×FY 2025: 0.3×
FY 2016 5y median 1.4× FY 2025
Net Debt / EBITDA 1.2×
FY 2016: 6.8×FY 2017: 7.0×FY 2018: 10.1×FY 2019: 8.0×FY 2020: 0.3×FY 2021: 4.3×FY 2022: 13.5×FY 2023: 64.3×FY 2024: 4.1×FY 2025: 1.2×
FY 2016 5y median 4.3× FY 2025
Interest Coverage 1.1×
FY 2016: 4.3×FY 2017: 3.8×FY 2018: 2.4×FY 2019: 2.2×FY 2020: 3.7×FY 2021: 5.2×FY 2022: 2.7×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 3.4%FY 2017: 3.0%FY 2018: 3.0%FY 2019: 3.2%FY 2020: 3.6%FY 2021: 6.0%FY 2022: 3.5%FY 2023: 4.4%FY 2024: 4.2%FY 2025: 4.1%
FY 2016 5y median 4.2% FY 2025
Payout Ratio 33.6%
FY 2016: 42.8%FY 2017: 42.9%FY 2018: 40.1%FY 2019: 36.7%FY 2020: 35.6%FY 2021: 69.1%FY 2022: 36.5%FY 2023: 105.0%FY 2024: 33.0%FY 2025: 33.6%
FY 2016 5y median 36.5% FY 2025

Annual · latest fiscal year ends 2025-12-31