CCFNB Bancorp Inc

Financial Services US CCFN

27.38USD
-0.02(0.07%)

Last update at 2026-06-23T13:55:00Z

Day Range

27.3827.40

LowHigh

52 Week Range

37.2268.00

LowHigh

Fundamentals

Previous Close 27.40
Market Cap241.53M
Volume2877
P/E Ratio8.94
Dividend Yield-%
Revenue TTM70.12M
Revenue Per Share TTM19.84
Gross Profit TTM 70.12M
Diluted EPS TTM7.64

Overview
Financials
Peer Comparison
Reports
Stock Research & News
Profile

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Income before tax	29.10M	22.34M	3.75M	-	-
Minority interest	-	-	-	-	-
Net income	24.23M	19.02M	3.39M	-	-
Selling general administrative	23.29M	20.61M	12.42M	-	-
Selling and marketing expenses	-	-	-	-	-
Gross profit	-	-	-	-	-
Reconciled depreciation	3.52M	3.72M	0.97M	-	-
Ebit	-	-	-	-	-
Ebitda	-	-	-	-	-
Depreciation and amortization	-	-	-	-	-
Non operating income net other	-	-	-	-	-
Operating income	-	-	-	-	-
Other operating expenses	-	-	-	3.11M	3.43M
Interest expense	27.42M	31.28M	15.09M	-	0.00000M
Tax provision	4.88M	3.32M	0.36M	-	-
Interest income	87.39M	80.94M	38.03M	-	-
Net interest income	59.97M	49.66M	22.94M	-	-
Extraordinary items	-	-	-	-	-
Non recurring	-	-	-	-	-
Other items	-	-	-	-	-
Income tax expense	-	-	-	1.63M	2.35M
Total revenue	70.96M	60.84M	30.38M	-	-
Total operating expenses	-	-	-	-	-
Cost of revenue	-	-	-	-	-
Total other income expense net	-	-	-	-	-
Discontinued operations	-	-	-	-	-
Net income from continuing ops	24.23M	19.02M	3.39M	-	-
Net income applicable to common shares	-	-	-	9.51M	9.40M
Preferred stock and other adjustments	-	-	-	-	-

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Total assets	1673.20M	1595.96M	1639.78M	-	-
Intangible assets	8.04M	10.05M	11.89M	-	-
Earning assets	-	-	-	-	-
Other current assets	-	-	-	6.79M	5.42M
Total liab	1480.66M	1429.55M	1485.95M	-	-
Total stockholder equity	192.54M	166.41M	153.82M	-	-
Deferred long term liab	-	-	-	-	-
Other current liab	-	-	-	-	-
Common stock	-	-	-	2.93M	2.93M
Capital stock	4.81M	4.80M	4.79M	-	-
Retained earnings	119.36M	103.27M	90.51M	90.16M	84.11M
Other liab	-	-	-	3.50M	3.01M
Good will	25.61M	25.61M	25.61M	-	-
Other assets	-	-	-	553.04M	483.12M
Cash	48.54M	17.38M	19.36M	-	-
Cash and equivalents	-	-	-	-	-
Total current liabilities	-	-	-	854.29M	844.42M
Current deferred revenue	-	-	-	-	-
Net debt	-	56.74M	114.09M	-	-
Short term debt	-	-	-	-	-
Short long term debt	0.00000M	18.58M	63.00M	-	-
Short long term debt total	-	-	-	-	-
Other stockholder equity	-	-	-	-27.38400M	-2.88400M
Property plant equipment	-	-	-	12.81M	13.79M
Total current assets	-	-	-	19.87M	102.97M
Long term investments	164.22M	153.68M	420.43M	-	-
Net tangible assets	-	-	-	78.00M	96.41M
Short term investments	158.46M	147.23M	413.30M	-	-
Net receivables	5.06M	4.85M	5.36M	-	-
Long term debt	40.58M	55.54M	70.45M	-	-
Inventory	-	-	-	-	-
Accounts payable	1.64M	1.86M	2.36M	682.33M	701.50M
Total permanent equity	-	-	-	-	-
Noncontrolling interest in consolidated entity	-	-	-	-	-
Temporary equity redeemable noncontrolling interests	-	-	-	-	-
Accumulated other comprehensive income	-	-	-	-	-
Additional paid in capital	-	-	-	-	-
Common stock total equity	-	-	-	-	-
Preferred stock total equity	-	-	-	-	-
Retained earnings total equity	-	-	-	-	-
Treasury stock	-	-	-	-	-
Accumulated amortization	-	-	-	-	-
Non currrent assets other	-	-	-	-	-
Deferred long term asset charges	-	-	-	-	-
Non current assets total	-	-	-	-	-
Capital lease obligations	-	-	-	-	-
Long term debt total	-	-	-	-	-

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Investments	9.44M	92.13M	9.10M	-38.76700M	-134.66000M
Change to liabilities	-	-	-	0.00000M	0.00000M
Total cashflows from investing activities	-	-	-	-100.54900M	-119.23600M
Net borrowings	-71.15700M	-199.35600M	45.72M	29.02M	31.12M
Total cash from financing activities	40.92M	-66.38000M	-10.88900M	6.43M	92.84M
Change to operating activities	-	-	-	-0.01900M	-0.08200M
Net income	24.23M	19.02M	3.39M	9.51M	9.40M
Change in cash	31.16M	-0.99700M	5.29M	-84.45900M	-11.80200M
Begin period cash flow	17.38M	18.38M	13.08M	-	-
End period cash flow	48.54M	17.38M	18.38M	-	-
Total cash from operating activities	23.29M	16.90M	7.08M	9.66M	14.59M
Issuance of capital stock	0.16M	0.19M	0.08M	-	-
Depreciation	3.52M	3.72M	0.97M	0.71M	0.73M
Other cashflows from investing activities	-	-	-	-0.98900M	0.36M
Dividends paid	-8.12900M	-6.26900M	3.56M	-3.47100M	-6.50100M
Change to inventory	-	-	-	-	-
Change to account receivables	1.03M	1.48M	-0.86900M	-	-
Sale purchase of stock	0.00000M	-1.51700M	0.00000M	-	-
Other cashflows from financing activities	-	-	-	-19.17000M	68.15M
Change to netincome	-	-	-	0.18M	4.08M
Capital expenditures	1.41M	0.76M	0.97M	0.30M	0.28M
Change receivables	-	-	-	-	-
Cash flows other operating	-	-	-	-	-
Exchange rate changes	-	-	-	-	-
Cash and cash equivalents changes	-	-	-	-	-
Change in working capital	2.59M	2.30M	-0.58500M	-	-
Stock based compensation	-	-	-	-	-
Other non cash items	-8.91700M	-12.10800M	0.27M	-	-
Free cash flow	21.87M	16.14M	6.11M	-	-

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company	Change (USD)	Price (USD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)	Enterprise Value to Revenue (x)
CCFN CCFNB Bancorp Inc	-0.02 0.07%	27.38	8.94	47.85	3.28	1.26	3.98
HDB HDFC Bank Limited ADR	-0.145 0.58%	24.95	20.81	20.96	0.11	4.77
CIHKY China Merchants Bank Co Ltd	0.04 0.13%	29.83	7.78	7.65	0.56	0.90	3.62
DBSDF DBS Group Holdings Ltd	0.46 0.90%	51.81	15.29	14.41	5.84	2.36	10.40
CIHHF China Merchants Bank Co Ltd Class H	- -%	5.70	6.10	5.67	0.44	0.77	3.43

Reports Covered

View All

Profile

Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking products and services in Pennsylvania. It offers deposit accounts, including time and demand deposit, checking, money market, interest checking, individual retirement, and repo sweep, as well as statement savings and certificates of deposit; and lending products, such as commercial, consumer, and mortgage loans. The company also provides trust services comprising administration of various estates, pension plans, self-directed IRA's, and other services; and financial services, which include brokerage, stocks, bonds, and other non-insured financial products. It serves individuals and small to medium-sized businesses. The company was formerly known as CCFNB Bancorp, Inc. and changed its name to Muncy Columbia Financial Corporation in November 2023. Muncy Columbia Financial Corporation was founded in 1926 and is headquartered in Bloomsburg, Pennsylvania.

CCFNB Bancorp Inc

1199 Lightstreet Road, Bloomsburg, PA, United States, 17815

570 784 4400
https://www.journeybank.com
Employees : 253

Key Executives

Name	Title	Year Born
Mr. Lance O. Diehl	Pres, CEO & Director	1966
Mr. Jeffrey Thomas Arnold CPA, CGMA, CIA, CPA	Exec. VP, Assistant Sec., Treasurer & CFO	NA
Matthew Beagle	Chief Wealth Management Officer and Sr. VP of First Columbia Bank & Trust Co	NA
Mr. Jeffery A. Whitenight	Exec. VP of Branch Admin. - First Columbia Bank & Trust Co	NA
Ms. Susan S. Hackett	Sec. & Assistant VP	NA
Ms. Nancy R. Diehl	VP & Sec.	NA
Ms. Virginia D. Kocher	VP and Regulatory Financial Reporting Officer - First Columbia Bank & Trust Co	1948
Mr. Lance O. Diehl	President, CEO & Director	1966
Mr. Joseph K. O'Neil Jr., CPA	EVP & CFO	1984
Mr. Jeffrey Thomas Arnold CPA, CGMA, CIA	Senior Executive VP & Treasurer	1967

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