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CCFNB Bancorp
(OTC:CCFN)
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Rating:80Outperform
Price Target:
$33.00
â–²(13.99% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by improving financial performance (stronger profitability, lower leverage, better cash generation) and attractive valuation (low P/E with a solid dividend). Technicals are supportive but tempered by overbought momentum signals, while recent corporate actions (buyback/dividends/split) add incremental support.
Positive Factors
Improved profitability (TTM margins)
TTM margins near 27% net and 32% EBIT reflect a meaningful recovery in core profitability versus recent troughs. Sustained higher margins increase internal capital generation, support dividends/repurchases, and improve resilience to moderate revenue shocks over the next several months.
Negative Factors
Historic earnings and cashflow volatility
The recent rebound follows a period of pronounced earnings and cashflow swings, including a sharp 2023 dip. Such volatility implies execution and credit-cycle sensitivity, raising the risk that current margins and cash metrics may reverse if macro or local banking conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability (TTM margins)
TTM margins near 27% net and 32% EBIT reflect a meaningful recovery in core profitability versus recent troughs. Sustained higher margins increase internal capital generation, support dividends/repurchases, and improve resilience to moderate revenue shocks over the next several months.
Read all positive factors
CCFNB Bancorp (CCFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$307.12M
Dividend Yield3.25%
Average Volume (3M)1.70K
Price to Earnings (P/E)10.8
Beta (1Y)0.20
Revenue Growth8.78%
EPS Growth39.88%
CountryUS
Employees253
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.67
Shares Outstanding10,612,227
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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, a registered financial holding company based in Bloomsburg, Pennsylvania, was formerly known as CCFNB Bancorp, Inc. It owns and operates Journey Bank, its single subsidiary, which itself was previously called ...
How the Company Makes Money
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CCFNB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 102.55M | 98.38M | 92.12M | 45.47M | 32.46M | 32.12M |
| Gross Profit | 74.93M | 70.12M | 60.00M | 27.86M | 30.21M | 29.75M |
| EBITDA | 36.38M | 30.60M | 26.06M | 4.72M | 11.80M | 12.49M |
| Net Income | 28.42M | 24.23M | 19.02M | 3.39M | 9.51M | 9.40M |
Balance Sheet | ||||||
| Total Assets | 1.67B | 1.67B | 1.60B | 1.64B | 944.01M | 952.71M |
| Cash, Cash Equivalents and Short-Term Investments | 16.33M | 340.07M | 340.63M | 432.66M | 354.13M | 427.20M |
| Total Debt | 24.30M | 53.04M | 123.92M | 322.98M | 172.06M | 143.66M |
| Total Liabilities | 1.47B | 1.48B | 1.43B | 1.49B | 858.07M | 848.37M |
| Stockholders Equity | 198.67M | 192.54M | 166.41M | 153.82M | 85.94M | 104.34M |
Cash Flow | ||||||
| Free Cash Flow | 51.72M | 43.46M | 16.14M | 6.11M | 9.36M | 14.31M |
| Operating Cash Flow | 52.12M | 23.29M | 16.90M | 7.08M | 9.66M | 14.59M |
| Investing Cash Flow | -107.59M | -33.05M | 48.48M | 9.10M | -100.55M | -119.24M |
| Financing Cash Flow | 75.19M | 40.92M | -66.38M | -10.89M | 6.43M | 92.84M |
CCFNB Bancorp Technical Analysis
Positive
28.95
Price Trends
27.90
Positive
25.41
Positive
21.83
Positive
Market Momentum
0.34
Positive
62.42
Neutral
92.46
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 28.95 is above the 20-day moving average (MA) of 28.91, above the 50-day MA of 27.90, and above the 200-day MA of 21.83, indicating a bullish trend. The MACD of 0.34 indicates Positive momentum. The RSI at 62.42 is Neutral, neither overbought nor oversold. The STOCH value of 92.46 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 0 New Risks
CCFNB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $307.12M | 10.84 | 14.81% | 3.25% | 8.78% | 39.88% | |
75 Outperform | $234.84M | 12.95 | 12.75% | 2.30% | 2.52% | 16.48% | |
70 Outperform | $270.94M | 11.86 | 11.08% | 3.49% | 7.03% | 69.03% | |
69 Neutral | $198.14M | 13.97 | 9.29% | 2.28% | 5.77% | 2.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $233.53M | 9.35 | 12.57% | 2.67% | 1.12% | 13.95% | |
64 Neutral | $185.81M | 25.62 | 4.57% | 3.01% | -9.31% | -37.86% |
* Financial Sector Average
CCFN
CCFNB Bancorp
28.92
12.92
80.70%
ATLO
Ames National
30.92
13.00
72.58%
OVBC
Ohio Valley Banc
42.66
9.05
26.92%
PEBK
Peoples Bancorp Of North Carolina
43.40
16.23
59.76%
CBFV
CB Financial Services
36.95
6.43
21.08%
MRBK
Meridian Bank
19.83
5.75
40.85%
CCFNB Bancorp Corporate Events
Stock BuybackDividends
CCFNB Bancorp Announces Dividend and Share Repurchase Program
Positive
May 12, 2026
On May 12, 2026, Muncy Columbia Financial Corporation’s board declared a regular quarterly cash dividend of $0.155 per share for the second quarter of 2026, payable on June 11, 2026, to shareholders of record as of May 26, 2026. The move und...
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.