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CCFNB Bancorp (CCFN) AI Stock Analysis

31 Followers
CCFN

CCFNB Bancorp

(Other OTC:CCFN)

Select Model
Rating:77Outperform
Price Target:$32.00â–²(8.84% Upside)
Action:reiterated
Date:08/12/26

The score is driven primarily by improved financial performance (stronger TTM profitability, materially better leverage, and stronger cash generation), supported by attractive valuation (moderate P/E and solid dividend yield). Technicals are neutral-to-moderately positive rather than strongly trending, and recent corporate actions (dividends plus a buyback authorization) add incremental support. The key offset is the company’s historical volatility in profitability and cash flow, which makes durability of the current run-rate the main risk to monitor.

Positive Factors
ProfitabilitySustained TTM margins and solid ROE reflect materially improved core earning power versus recent years. Strong operating profitability enhances internal capital generation, supports dividends and buybacks, and gives the bank a larger cushion to absorb credit losses over the medium term.
Negative Factors
Profitability VolatilityA history of sharp swings in profitability and cash flow undermines predictability of earnings and capital generation. That variability can force abrupt changes to dividends, repurchases or credit appetites if adverse cycles recur, raising execution risk across 2–6 months.

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

-20%0%20%40%60%80%100%CCFN+75.31%SPY+15.63%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
$312.10M
Dividend Yield
3.19%
Average Volume (3M)
4,940
Price to Earnings (P/E)
11.3
Beta (1Y)
0.22
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

null

CCFNB Bancorp Financial Statement Overview

Summary

Income statement and cash flow show a clear TTM rebound: strong profitability (net margin ~27%, EBIT margin ~32%) and operating cash flow well above net income, supporting earnings quality. Balance sheet leverage has improved sharply (debt-to-equity ~0.27) with solid ROE (~14.5%). The main constraint on the score is historical volatility (notably the 2023 dip and uneven cash flow consistency), which raises sustainability risk through a full cycle.

Income Statement

78Positive

Balance Sheet

74Positive

Cash Flow

81Very 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 Investments14.54M340.07M340.63M432.66M354.13M427.20M
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 SentimentNeutral
Last Price29.40

Price Trends

50DMA29.68Negative
100DMA28.95Positive
200DMA25.61Positive

Market Momentum

MACD-0.13Positive
RSI43.03Neutral
STOCH17.75Positive

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 29.40 is below the 20-day moving average (MA) of 29.96, below the 50-day MA of 29.68, and above the 200-day MA of 25.61, indicating a neutral trend. The MACD of -0.13 indicates Positive momentum. The RSI at 43.03 is Neutral, neither overbought nor oversold. The STOCH value of 17.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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

0 New Risks

CCFNB Bancorp Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

CCFN against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
PEBKPEBK84Outperform$237.41M10.7213.87%2.25%2.08%30.66%
ATLOATLO83Outperform$297.87M12.1612.20%2.64%8.44%59.77%
CCFNCCFN77Outperform$310.40M11.2814.30%3.19%5.58%25.88%
OVBCOVBC71Outperform$229.90M15.998.46%2.00%8.40%2.21%
CBFVCBFV69Neutral$206.09M11.3811.50%2.67%27.49%607.99%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
MRBKMRBK63Neutral$208.06M8.7811.30%3.18%-2.13%-4.58%

* Financial Sector Average

Performance Comparison

0%20%40%60%80%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 29.4012.5874.81%
ATLOAmes National Corporation34.9014.5371.36%
OVBCOhio Valley Banc49.1014.3841.43%
PEBKPeoples Bancorp Of North Carolina44.5115.6754.36%
CBFVCB Financial Services Inc41.2010.1732.77%
MRBKMeridian Bank17.122.9921.17%

CCFNB Bancorp Corporate Events

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 Augu...

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 unders...

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: Aug 12, 2026