CCFNB Bancorp (CCFN) AI Stock Analysis

• Market Cap: $174.52M
• Dividend Yield: 4.54%
• Average Volume (3M): 2.35K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.18
• Revenue Growth: 31.67%
• EPS Growth: 121.14%
• Country: US
• Employees: 236
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.63
• Shares Outstanding: 3,534,998
• 10 Day Avg. Volume: 1,049
• 30 Day Avg. Volume: 2,353
• PEG Ratio: 0.03
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 1.62
• P/FCF Ratio: 9.26
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 2.32
• Enterprise Value/Gross Profit: 3.42
• Enterprise Value/Ebitda: 8.25
• 1Y Price Target: $55.00
• Price Target Upside: 11.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: $55.00 ▲(11.40% Upside)

CCFNB Bancorp's overall stock score is driven by its strong valuation, with an attractive P/E ratio and high dividend yield. The technical analysis supports a positive trend, with the stock trading above key moving averages. Financial performance is solid, though there are concerns about cash flow growth. The increased dividend highlights shareholder value commitment.

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 known as First Columbia Bank & Trust Co. Journey Bank is a full-service community commercial bank, serving a market area in Clinton, Columbia, Lycoming, Montour and Northumberland counties.

How the Company Makes Money

CCFNB Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees and service charges. The company's key revenue streams include interest earned on mortgages, commercial loans, and consumer loans, which are a significant portion of its earnings. Additionally, CCFNB earns fees from account maintenance, transaction services, and wealth management services. The bank's strategic partnerships and community engagement initiatives also contribute to its customer base and overall revenue growth, as they enhance the bank's reputation and customer loyalty within its operating markets.

CCFNB Bancorp Financial Statement Overview

Summary

CCFNB Bancorp exhibits strong profitability with a stable equity position and solid cash flow generation. While the company demonstrates healthy financial metrics, fluctuations in revenue growth and asset base warrant attention. Overall, the financial health of the company is sound, offering a promising outlook if potential risks are managed effectively.

Income Statement

The income statement reveals strong profitability with a significant improvement in gross profit and net income over the years. The company has maintained a consistent gross profit margin with a recent surge in net profit margin, reflecting improved cost management. However, fluctuating revenue growth rates suggest some volatility in revenue streams, which could pose a risk to sustained growth.

Balance Sheet

The balance sheet shows a stable equity base with a favorable equity ratio, indicating a solid foundation. The debt-to-equity ratio is manageable, but the decrease in total assets over the years could indicate a potential liquidity risk. The return on equity has improved, suggesting efficient use of equity capital, but the high total liabilities might be a concern if not managed prudently.

Cash Flow

Cash flow analysis indicates a robust operating cash flow to net income ratio, highlighting strong cash generation capability relative to net income. The free cash flow has shown growth, although at a varying rate, providing flexibility for investments and debt servicing. The cash flow stability is a positive aspect, though fluctuations in investing and financing cash flows warrant careful monitoring.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	94.27M	92.12M	27.86M	32.46M	32.12M	32.73M
Gross Profit	63.87M	60.00M	27.86M	32.46M	32.12M	32.73M
EBITDA	26.46M	26.06M	4.72M	0.00	0.00	0.00
Net Income	20.39M	19.02M	3.39M	9.51M	9.40M	9.33M
Balance Sheet
Total Assets	1.62B	1.60B	1.64B	945.51M	954.39M	856.80M
Cash, Cash Equivalents and Short-Term Investments	308.24M	340.63M	427.92M	13.08M	97.54M	109.34M
Total Debt	63.57M	123.92M	133.45M	172.06M	143.66M	112.60M
Total Liabilities	1.44B	1.43B	1.49B	859.57M	850.05M	751.12M
Stockholders Equity	176.28M	166.41M	153.82M	85.94M	104.34M	105.69M
Cash Flow
Free Cash Flow	17.14M	16.14M	6.11M	24.10M	64.39M	81.67M
Operating Cash Flow	18.46M	16.90M	7.08M	25.25M	64.71M	81.88M
Investing Cash Flow	6.90M	48.48M	9.10M	-116.13M	-169.35M	-95.02M
Financing Cash Flow	-6.12M	-66.38M	-10.89M	6.43M	92.84M	101.48M

CCFNB Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 49.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCFN, the sentiment is Neutral. The current price of 49.37 is below the 20-day moving average (MA) of 49.78, above the 50-day MA of 49.24, and above the 200-day MA of 44.19, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 48.18 is Neutral, neither overbought nor oversold. The STOCH value of 24.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CCFN.

CCFNB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBFV	80 Outperform	$165.02M	15.41	7.97%	3.05%	20.82%	-48.08%
ATLO	77 Outperform	$177.26M	13.00	7.60%	3.99%	6.86%	44.24%
PEBK	76 Outperform	$165.26M	9.73	12.69%	3.14%	6.08%	4.61%
MRBK	75 Outperform	$171.78M	9.42	10.77%	3.29%	12.20%	71.87%
CCFN	74 Outperform	$174.52M	8.59	12.21%	4.54%	31.67%	121.14%
OVBC	72 Outperform	$170.14M	12.28	9.04%	2.49%	14.16%	24.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

CCFNB Bancorp Corporate Events

Muncy Columbia Financial Relocates Headquarters to Bloomsburg

On August 18, 2025, Muncy Columbia Financial Corporation, through its subsidiary Journey Bank, announced a change in its registered office and principal place of business to 1199 Lightstreet Road, Bloomsburg, Pennsylvania. This strategic move, effective since August 15, 2025, signifies a shift in the company’s operational base while maintaining its former location as a branch office, potentially enhancing its service delivery and market presence.

Muncy Columbia Financial Declares Increased Quarterly Dividend

On August 12, 2025, Muncy Columbia Financial Corporation announced that its Board of Directors declared a regular quarterly cash dividend of $0.45 per share for the third quarter of 2025, payable on September 11, 2025. This represents a slight increase from the previous year’s third quarter dividend. Year-to-date dividends for 2025 total $1.85 per share, reflecting a significant increase compared to the same period in 2024, which included a special one-time dividend. This announcement highlights the company’s ongoing commitment to returning value to shareholders.