CCFNB Bancorp Inc (CCFN)
OTHER OTC:CCFN
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CCFNB Bancorp
(OTC:CCFN)
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Rating:79Outperform
Price Target:
$84.00
â–²(51.35% Upside)
Action:ReiteratedDate:04/25/26
The score is driven primarily by strong recent financial performance (improving profitability, cash generation, and a de-risked balance sheet) and an attractive valuation (low P/E with a solid yield). Technicals are bullish but appear overextended (very high RSI), and corporate actions (split and special dividend) add incremental support.
Positive Factors
Stronger capital structure
A materially lower debt-to-equity ratio and rising equity indicate a de-risked balance sheet that improves shock absorption, reduces refinancing risk, and creates capacity to support lending, dividends, or loan-loss buffers over the next several quarters.
Negative Factors
Historical leverage volatility
The sharp shift from previously high leverage to a much lower ratio implies execution and transition risk. If management or markets reverse course, the company could face funding stress or need rapid capital actions, reducing predictability for creditors and investors.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger capital structure
A materially lower debt-to-equity ratio and rising equity indicate a de-risked balance sheet that improves shock absorption, reduces refinancing risk, and creates capacity to support lending, dividends, or loan-loss buffers over the next several quarters.
Read all positive factors
CCFNB Bancorp (CCFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$261.72M
Dividend Yield4.11%
Average Volume (3M)1.70K
Price to Earnings (P/E)8.2
Beta (1Y)0.17
Revenue Growth8.07%
EPS Growth40.80%
CountryUS
Employees236
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.85
Shares Outstanding3,536,754
10 Day Avg. Volume2,790
30 Day Avg. Volume1,702
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.03
Price to Sales (P/S)2.02
P/FCF Ratio4.57
Enterprise Value/Market Cap1.15
Enterprise Value/Revenue3.06
Enterprise Value/Gross Profit4.30
Enterprise Value/Ebitda9.23
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CCFNB Bancorp Business Overview & Revenue Model
Company Description
Muncy Columbia Financial Corporation, formerly known as CCFNB Bancorp, Inc., is a registered financial holding company, headquartered in Bloomsburg, Pennsylvania. Muncy Columbia Financial Corporation has one subsidiary bank, Journey Bank, formerly...
How the Company Makes Money
CCFNB Bancorp primarily makes money through its bank subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest and fees collected on interest-earning assets (primarily loans...
CCFNB Bancorp Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
78
Positive
Cash Flow
81
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 98.38M | 92.12M | 45.47M | 32.46M | 32.12M |
| Gross Profit | 70.12M | 60.00M | 27.86M | 30.21M | 29.75M |
| EBITDA | 29.05M | 26.06M | 4.72M | 11.80M | 12.49M |
| Net Income | 24.23M | 19.02M | 3.39M | 9.51M | 9.40M |
Balance Sheet | |||||
| Total Assets | 1.67B | 1.60B | 1.64B | 944.01M | 952.71M |
| Cash, Cash Equivalents and Short-Term Investments | 340.07M | 340.63M | 432.66M | 354.13M | 427.20M |
| Total Debt | 53.04M | 123.92M | 322.98M | 172.06M | 143.66M |
| Total Liabilities | 1.48B | 1.43B | 1.49B | 858.07M | 848.37M |
| Stockholders Equity | 192.54M | 166.41M | 153.82M | 85.94M | 104.34M |
Cash Flow | |||||
| Free Cash Flow | 43.46M | 16.14M | 6.11M | 9.36M | 14.31M |
| Operating Cash Flow | 23.29M | 16.90M | 7.08M | 9.66M | 14.59M |
| Investing Cash Flow | -33.05M | 48.48M | 9.10M | -100.55M | -119.24M |
| Financing Cash Flow | 40.92M | -66.38M | -10.89M | 6.43M | 92.84M |
CCFNB Bancorp Technical Analysis
Positive
55.50
Price Trends
62.23
Positive
58.38
Positive
53.28
Positive
Market Momentum
1.46
Negative
70.85
Negative
95.41
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCFN, the sentiment is Positive. The current price of 55.5 is below the 20-day moving average (MA) of 65.19, below the 50-day MA of 62.23, and above the 200-day MA of 53.28, indicating a bullish trend. The MACD of 1.46 indicates Negative momentum. The RSI at 70.85 is Negative, neither overbought nor oversold. The STOCH value of 95.41 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCFN.
CCFNB Bancorp Risk Analysis
CCFNB Bancorp disclosed 39 risk factors in its most recent earnings report. CCFNB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 2 New Risks
1.
The Corporation's shareholders have limited control over changes in the Corporation's policies and operations, which increases the uncertainty and risks that shareholders face. Q4, 2025
2.
Artificial Intelligence introduces compliance, operational, reputational, and information security risks. Q4, 2025
CCFNB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $261.72M | 8.15 | 14.51% | 4.11% | 8.07% | 40.80% | |
74 Outperform | $220.70M | 11.80 | 13.46% | 2.58% | 3.06% | 18.14% | |
71 Outperform | $253.32M | 10.56 | 9.70% | 3.49% | 6.16% | 91.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $211.29M | 12.02 | 9.04% | 2.27% | 6.08% | 23.01% | |
61 Neutral | $178.03M | 11.17 | 4.45% | 2.90% | -11.93% | -32.54% | |
61 Neutral | $213.23M | 11.88 | 12.57% | 2.87% | 4.29% | 46.09% |
* Financial Sector Average
CCFN
CCFNB Bancorp
74.00
32.17
76.90%
ATLO
Ames National
28.48
11.59
68.61%
OVBC
Ohio Valley Banc
44.85
10.62
31.01%
PEBK
Peoples Bancorp Of North Carolina
40.41
12.71
45.90%
CBFV
CB Financial Services
35.10
6.52
22.83%
MRBK
Meridian Bank
17.95
5.28
41.66%
CCFNB Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial DisclosuresShareholder MeetingsStock Split
CCFNB Bancorp Shareholders Reelect Directors, Announce Stock Split
Positive
Apr 24, 2026
At the April 23, 2026 annual meeting of shareholders, Muncy Columbia Financial Corporation investors re-elected four Class 1 directors—Robert J. Glunk, Willard H. Kile Jr., Steven H. Shannon and Edwin A. Wenner—for new three-year terms...
Financial DisclosuresStock Split
CCFNB Bancorp Announces Three-for-One Stock Split
Positive
Apr 23, 2026
On April 23, 2026, Muncy Columbia Financial Corporation’s board declared a three-for-one stock split in the form of a 200% stock dividend on its common shares, with shareholders of record on May 7, 2026 set to receive two additional shares f...
DividendsFinancial Disclosures
CCFNB Bancorp Announces Regular and Special Cash Dividends
Positive
Feb 18, 2026
On February 18, 2026, Muncy Columbia Financial Corporation’s board declared a regular quarterly cash dividend of $0.46 per share for the first quarter of 2026, payable March 19, 2026, to shareholders of record as of March 4. The board also a...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Journey Bank Sells Nonperforming Residential Mortgage Loan Portfolio
Neutral
Jan 29, 2026
On January 28, 2026, Journey Bank, a unit of Muncy Columbia Financial, entered into an asset purchase and interim servicing agreement to sell a portfolio of 82 delinquent, nonperforming, or reperforming 1-4 family residential mortgage loans to RCF...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.