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CCFNB Bancorp (CCFN) AI Stock Analysis

31 Followers
CCFN

CCFNB Bancorp

(Other OTC:CCFN)

Select Model
Rating:76Outperform
Price Target:$33.00â–²(13.48% Upside)
Action:reiterated
Date:11/11/26

The overall score of 76 is primarily driven by the company's excellent financial performance, characterized by strong profitability, a conservative balance sheet, and robust cash flow. An attractive valuation with a low P/E and solid dividend yield further supports the score. However, the score is tempered by weak technical momentum, as the stock shows bearish signals and is trading below key moving averages. A recent dividend increase provides an additional, though smaller, positive signal.

Positive Factors
Improved Profitability and Revenue GrowthThe rebound in profitability and continued revenue expansion indicate stronger earnings capacity than in earlier periods. If maintained, improved margins can support internal capital generation, reinforce the bank’s ability to invest in its Pennsylvania franchise, and provide greater resilience across the next several quarters.
Negative Factors
Cash Flow History Is VolatileThe sharp contrast between weak prior-year operating cash flow and strong TTM generation makes cash performance less predictable than the latest figures suggest. This historical volatility could complicate capital planning and weaken confidence that current cash conversion will remain durable through changing banking conditions.

CCFNB Bancorp (CCFN) vs. SPDR S&P 500 ETF (SPY)

-20%0%20%40%60%80%100%CCFN+71.78%SPY+13.89%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
$309.98M
Dividend Yield
3.23%
Average Volume (3M)
5,333
Price to Earnings (P/E)
11.2
Beta (1Y)
0.21
Revenue Growth
5.58%
EPS Growth
25.88%
Country
US
Employees
253
Sector
Financial
Sector Strength
68
Industry
Banks - Regional

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 Fir...

How the Company Makes Money

CCFNB Bancorp makes money primarily through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income from fees and service charges. Net interest income is earned on the spread between interest and fees collected...

CCFNB Bancorp Financial Statement Overview

Summary

CCFNB Bancorp demonstrates excellent financial health. Profitability is strong with a 26.9% net margin, and the balance sheet is robust with a low 0.27 debt-to-equity ratio. Cash flow generation is a standout, with operating cash flow exceeding net income and a 5.4x coverage ratio, indicating high earnings quality and ample liquidity.

Income Statement

85Very Positive

Balance Sheet

92Very Positive

Cash Flow

90Very Positive
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue101.63M98.38M92.12M45.47M32.46M32.12M
Gross Profit74.17M70.12M60.00M27.86M30.21M29.75M
EBITDA35.11M32.57M26.06M4.72M11.80M12.49M
Net Income27.75M24.23M19.02M3.39M9.51M9.40M
Balance Sheet
Total Assets1.69B1.67B1.60B1.64B944.01M952.71M
Cash, Cash Equivalents and Short-Term Investments339.40M340.07M340.63M432.66M354.13M427.20M
Total Debt7.52M53.04M123.92M322.98M172.06M143.66M
Total Liabilities1.50B1.48B1.43B1.49B858.07M848.37M
Stockholders Equity193.04M192.54M166.41M153.82M85.94M104.34M
Cash Flow
Free Cash Flow44.30M43.46M16.14M6.11M9.36M14.31M
Operating Cash Flow44.55M23.29M16.90M7.08M9.66M14.59M
Investing Cash Flow-76.64M-33.05M48.48M9.10M-100.55M-119.24M
Financing Cash Flow47.19M40.92M-66.38M-10.89M6.43M92.84M

CCFNB Bancorp Technical Analysis

Technical Analysis SentimentNegative
Last Price29.08

Price Trends

50DMA29.77Negative
100DMA29.05Positive
200DMA25.87Positive

Market Momentum

MACD-0.20Positive
RSI41.32Neutral
STOCH25.19Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCFN, the sentiment is Negative. The current price of 29.08 is below the 20-day moving average (MA) of 29.68, below the 50-day MA of 29.77, and above the 200-day MA of 25.87, indicating a neutral trend. The MACD of -0.20 indicates Positive momentum. The RSI at 41.32 is Neutral, neither overbought nor oversold. The STOCH value of 25.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
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

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

CCFN against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
ATLOATLO76Outperform$302.03M11.9012.20%2.69%8.44%59.77%
CCFNCCFN76Outperform$309.98M11.2014.30%3.23%5.58%25.88%
PEBKPEBK75Outperform$235.55M10.3713.87%2.31%2.08%30.66%
CBFVCBFV71Outperform$207.91M11.0511.50%2.75%27.49%607.99%
OVBCOVBC71Outperform$232.63M15.858.46%2.01%8.40%2.21%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
MRBKMRBK57Neutral$199.54M8.4811.30%3.39%-2.24%-4.58%

* Financial Sector Average

Performance Comparison

0%20%40%60%CCFNATLOOVBCPEBKCBFVMRBKDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
CCFN and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
CCFNCCFNB Bancorp 29.0811.8368.59%
ATLOAmes National Corporation34.1913.4765.05%
OVBCOhio Valley Banc48.7313.9640.17%
PEBKPeoples Bancorp Of North Carolina43.3513.6045.70%
CBFVCB Financial Services Inc41.108.5326.20%
MRBKMeridian Bank16.512.1915.26%

CCFNB Bancorp Corporate Events

Dividends

CCFNB Bancorp Declares Increased Quarterly Cash Dividend

Positive
Nov 10, 2026

Muncy Columbia Financial Corporation is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. Its subsidiary, Journey Bank, serves individuals, families, nonprofits and business clients through 22 banking offices across se...

Business Operations and StrategyDividends

CCFNB Bancorp Declares Regular Quarterly Cash Dividend

Positive
Aug 11, 2026

On August 11, 2026, Muncy Columbia Financial Corporation’s board declared a regular quarterly cash dividend of $0.155 per share for the third quarter of 2026. The dividend will be paid on September 10, 2026, to shareholders of record as of August 25,...

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.

Date of analysis: Nov 10, 2026