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MUNCY COLUMBIA FINANCIAL Corp CCFN

OTC · stock · State Commercial Banks · website · IPO 1993-10-27

MUNCY COLUMBIA FINANCIAL Corp statistics & valuation

Market cap$289.8M
P / E12.0×
P / B1.5×
P / FCF13.2×
Dividend yield2.80%
Return on equity12.6%
Net cash$8.0M
Enterprise value USD$281.9M
Graham number +73.4%$52.89

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($52.89); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
20102011201220132022202320242025
Operating margin (%)
20102011201220132022202320242025
Return on equity (%)
9.30% 9.50% 9.60% 9.00% 11.10% 2.20% 11.40% 12.60% 20102011201220132022202320242025
Shares outstanding
6.7M 6.7M 6.6M 6.5M 6.2M 10.7M 10.7M 10.6M 20102011201220132022202320242025
Net debt ($)
$6.1M $4.1M $2.1M $38.2M -$8.0M 20102011201220132022202320242025
Share buybacks ($)
20102011201220132022202320242025
Return on assets (%)
1.00% 1.10% 1.20% 1.10% 1.00% 0.20% 1.20% 1.40% 20102011201220132022202320242025
Free cash flow margin (%)
20102011201220132022202320242025
Debt / equity (×)
0.09× 0.06× 0.03× 0.33× 0.21× 20102011201220132022202320242025
EPS ($)
$1.53 $0.50 $1.78 $6.85 20102011201220132022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

MUNCY COLUMBIA FINANCIAL Corp trades at about 4.5× earnings — below its 10-year norm (10-year range 2.9×–23.4×, median 10.1×).

2.9× 23.4×

Shaded band = 10-year range (2.9×–23.4×); dot = today's 4.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2013FY2012FY2011FY2010
Return on assets1.4%1.2%0.2%1.0%1.1%1.2%1.1%1.0%
Return on equity12.6%11.4%2.2%11.1%9.0%9.6%9.5%9.3%
Debt / equity0.21×0.33×——0.03×0.06×0.09×—

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.