CCFNB Bancorp Inc (CCFN)
OTHER OTC:CCFN
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CCFNB Bancorp
(OTC:CCFN)
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Rating:83Outperform
Price Target:
$72.00
â–²(29.73% Upside)
Action:ReiteratedDate:03/07/26
The score is driven primarily by strong recent financial performance (improving profitability, de-risked leverage, and better cash generation) and supported by an attractive valuation (low P/E with a solid dividend yield). Technicals are also favorable with an uptrend and positive momentum, while the key risk remains the company’s historical earnings/cash-flow volatility.
Positive Factors
Balance-sheet de-risking
Material and sustained deleveraging materially reduces capital and funding risk, improving regulatory metrics and financial flexibility. A lower debt-to-equity profile supports resilience to shocks, greater capacity for dividend policy and opportunistic growth, and lowers refinancing pressure over the next several quarters.
Negative Factors
Earnings and cash-flow volatility
Pronounced year-to-year swings in profitability and cash flow reduce predictability of earnings and free cash flow. Such volatility complicates underwriting, provisioning and dividend planning, increasing the risk that one adverse quarter materially alters capital or payout decisions over the next several reporting periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet de-risking
Material and sustained deleveraging materially reduces capital and funding risk, improving regulatory metrics and financial flexibility. A lower debt-to-equity profile supports resilience to shocks, greater capacity for dividend policy and opportunistic growth, and lowers refinancing pressure over the next several quarters.
Read all positive factors
CCFNB Bancorp (CCFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$229.89M
Dividend Yield4.11%
Average Volume (3M)1.70K
Price to Earnings (P/E)8.2
Beta (1Y)0.20
Revenue Growth12.99%
EPS Growth80.63%
CountryUS
Employees236
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.09
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 Cap1.19
Enterprise Value/Revenue2.79
Enterprise Value/Gross Profit3.91
Enterprise Value/Ebitda8.41
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 generates revenue primarily through interest income from loans and mortgages extended to individual and commercial customers. The company earns interest on various types of loans, including personal, auto, and commercial loans, as we...
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
61.72
Positive
57.90
Positive
52.97
Positive
Market Momentum
1.30
Positive
64.40
Neutral
83.90
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 64.43, below the 50-day MA of 61.72, and above the 200-day MA of 52.97, indicating a bullish trend. The MACD of 1.30 indicates Positive momentum. The RSI at 64.40 is Neutral, neither overbought nor oversold. The STOCH value of 83.90 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $229.89M | 8.21 | 13.37% | 4.11% | 12.99% | 80.63% | |
74 Outperform | $228.29M | 12.41 | 13.46% | 2.58% | 4.52% | 3.47% | |
71 Outperform | $256.51M | 10.77 | 9.70% | 3.49% | 5.89% | 82.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $214.35M | 12.07 | 9.58% | 2.27% | 10.35% | 22.05% | |
64 Neutral | $184.25M | 35.81 | 3.23% | 2.90% | -1.39% | -88.66% | |
58 Neutral | $242.85M | 9.12 | 11.39% | 2.87% | 9.77% | 76.75% |
* Financial Sector Average
CCFN
CCFNB Bancorp
66.23
29.80
81.81%
ATLO
Ames National
28.78
12.79
80.01%
OVBC
Ohio Valley Banc
45.61
16.69
57.69%
PEBK
Peoples Bancorp Of North Carolina
41.93
16.34
63.89%
CBFV
CB Financial Services
36.23
9.13
33.68%
MRBK
Meridian Bank
20.49
7.60
58.94%
CCFNB Bancorp Corporate Events
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.