Muncy Columbia Financial Corp (CCFN)

Muncy Columbia Financial Corporation is a bank holding company listed on OTC Markets as common stock under the symbol CCFN. Through its banking subsidiary, Journey Bank, the company provides a range of financial services in Pennsylvania. Its deposit offerings include checking, money market, interest-bearing checking, individual retirement, repo sweep, savings, time deposits, and certificates of deposit. Lending activities cover commercial, consumer, and mortgage loans. The company also provides trust services, including administration for estates, pension plans, and self-directed IRAs, along with brokerage and other non-insured financial services. It serves individuals and small to medium-sized businesses. Founded in 1926 and headquartered in Bloomsburg, Pennsylvania, the company was previously known as CCFNB Bancorp, Inc. before adopting its current name in November 2023.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CCFN
$30.24
-0.8% Downside
Fair
Not available
Not available
Great
2.1%
October 16, 2026
11.1x
1.6x
4.2x
323.7 M
7.1%
90.4%
-1.9
35.2%
121.1%
Valuation • Fair Value

Muncy Columbia Financial Corp (OTC-CCFN) Fair Value by Valuation Model

Review the available estimates for Muncy Columbia Financial Corp (OTC-CCFN), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$30.24

Estimated downside of 0.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$29.71

Classic Ben Graham valuation formula reference.

DDM Fair Value

$49.75

Dividend discount model valuation reference.

Comps Fair Value

$23.74

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Muncy Columbia Financial Corp (OTC-CCFN) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Muncy Columbia Financial Corp (OTC-CCFN)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

74.928 M

Current operating scale indicator.

Revenue Forecast

78.888 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Muncy Columbia Financial Corp (OTC-CCFN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Muncy Columbia Financial Corp (OTC-CCFN)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

121.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Muncy Columbia Financial Corp (OTC-CCFN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Muncy Columbia Financial Corp (OTC-CCFN)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 16, 2026

Days to Earnings

24

Dividend Yield

2.1%

Current income yield reference.

Payout Ratio

35.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Muncy Columbia Financial Corp (OTC-CCFN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Muncy Columbia Financial Corp (OTC-CCFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Muncy Columbia Financial Corp (OTC-CCFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Muncy Columbia Financial Corp (OTC-CCFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Muncy Columbia Financial Corp (OTC-CCFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Muncy Columbia Financial Corp (OTC-CCFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Muncy Columbia Financial Corp (OTC-CCFN) Stock FAQ

Data-supported answers about Muncy Columbia Financial Corp (OTC-CCFN), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$30.24
Estimated downside 0.8%
Valuation Rating
Near Fair Value
Price is close to fair value
Financial Health
Great
Current financial-health read

The current fair value estimate for Muncy Columbia Financial Corp (OTC-CCFN) is $30.24. This implies an estimated downside of 0.8% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The current financial health read for Muncy Columbia Financial Corp (OTC-CCFN) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Muncy Columbia Financial Corp (OTC-CCFN) is October 16, 2026.

Based on the current data, dividend yield is 2.1%.

The current P/E ratio listed for Muncy Columbia Financial Corp (OTC-CCFN) is 11.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Muncy Columbia Financial Corp is 323.7 M.

The ticker symbol for Muncy Columbia Financial Corp is OTC-CCFN, and the stock is listed on OTC Markets.

Muncy Columbia Financial Corp (OTC-CCFN) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Muncy Columbia Financial Corp is 7.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Muncy Columbia Financial Corp is 90.4%. Free float helps investors understand how much of the share base is available for public trading.