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MUNCY COLUMBIA FINANCIAL Corp

Data quality: 83%

CCFN

OTC Financial Services Depository Institutions

$65.85

▲ $0.05 (0.08%)

Mkt Cap: 232.90 M

Price

$65.85

Mkt Cap

232.90 M

Day Range

$65.85 — $65.85

52-Week Range

$38.61 — $66.25

Volume

200

Open $65.85

50D / 200D Avg

$61.95

6.29% above

50D / 200D Avg

$53.74

22.53% above

Quick Summary

Key Takeaways

Earnings grew 27.35% over the past year

ROE of 13.43% — decent returns on equity

Debt/Equity of 0.31 — conservative balance sheet

Generating 21.89 M in free cash flow

P/E of 9.61 — trading at a low valuation

Cash machine — converts 90.37% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)27.35%

FCF Growth (3Y)89.27%

Quality

Return on Equity

13.43%

Above sector avg (10.70%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

0.31

Below sector avg (0.50)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

9.61

Below sector avg (12.63)

P/B Ratio1.26

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)

Metric	Stock	Sector Median
P/E	9.6	12.6
P/B	1.3	1.4
ROE %	13.4	10.7
Net Margin %	—	14.8
Rev Growth 5Y %	—	6.4
D/E	0.3	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	27.35%	Earnings Growth (3Y)	167.44%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	N/A
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	24.23 M
ROE	13.43%	ROA	1.48%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	21.89 M
ROIC	N/A	FCF Growth (3Y)	89.27%
Safety
Debt / Equity	0.31	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	143.41 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	9.61	Forward P/E	N/A
P/B Ratio	1.26	P/S Ratio	N/A
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	9.40%
Market Cap	232.90 M	Enterprise Value	244.98 M
Per Share
EPS (Diluted TTM)	6.85	Revenue / Share	N/A
FCF / Share	6.19	OCF / Share	6.58
EPS CAGR (1Y)	28.52%	EPS CAGR (5Y)	N/A
EPS CAGR (10Y)	N/A
Efficiency
CapEx / Revenue	N/A	FCF Conversion	90.37%
SBC-Adj. FCF	N/A	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2013	FY2012
Revenue	—	—	—	—	—
Net Income	24.23 M	19.02 M	3.39 M	6.82 M	7.15 M
EPS (Diluted)	6.85	5.33	1.49	—	—
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	—	—	—	—	—
Interest Expense	60.60 M	50.47 M	15.09 M	2.51 M	3.47 M
Income Tax	4.88 M	3.32 M	365,000.0	2.11 M	2.34 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2013	FY2012
Total Assets	1.67 B	1.60 B	1.64 B	624.01 M	607.72 M
Total Liabilities	1.48 B	1.43 B	1.49 B	548.21 M	533.19 M
Shareholders' Equity	192.54 M	166.41 M	153.83 M	75.80 M	74.54 M
Total Debt	53.04 M	68.39 M	252.53 M	85.67 M	68.14 M
Cash & Equivalents	48.54 M	—	—	—	—
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—