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Home CompaniesMuncy Columbia Financial Corporation

Muncy Columbia Financial Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
29.2 USD 0.11 ( 0.38%)
Last update at 2026-11-11T21:00:00Z
VOLUME
12998
Market Cap
318.42M
P/E
11.19

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
29.02
Low
29.24
High
52 Week Price Range
15.50
Low
30.00
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
29.09
Dividend Yield
2.08%
Revenue TTM
74.93M
Revenue Per Share
7.06
Gross Profit TTM
74.93M
Debt / Equity
-
ROE
15.16%
Net Debt
56.74M
ROCE
-
Diluted EPS TTM
2.68

Key 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 - -
Net income 24.23M 19.02M 3.39M - -
Selling general administrative 23.29M 20.61M 12.42M - -
Reconciled depreciation 3.52M 3.72M 0.97M - -
Other operating expenses - - - 3.11M 3.43M
Interest expense 27.42M 31.28M 15.09M - 0.00M
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 - -
Income tax expense - - - 1.63M 2.35M
Total revenue 70.96M 60.84M 30.38M - -
Net income from continuing ops 24.23M 19.02M 3.39M - -
Net income applicable to common shares - - - 9.51M 9.40M
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 - -
Other current assets - - - 6.79M 5.42M
Total liab 1480.66M 1429.55M 1485.95M - -
Total stockholder equity 192.54M 166.41M 153.82M - -
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 - -
Total current liabilities - - - 854.29M 844.42M
Net debt - 56.74M 114.09M - -
Short long term debt 0.00M 18.58M 63.00M - -
Other stockholder equity - - - -27.38M -2.88M
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 - -
Accounts payable 1.64M 1.86M 2.36M 682.33M 701.50M
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 -38.77M -134.66M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities - - - -100.55M -119.24M
Net borrowings -71.16M -199.36M 45.72M 29.02M 31.12M
Total cash from financing activities 40.92M -66.38M -10.89M 6.43M 92.84M
Change to operating activities - - - -0.02M -0.08M
Net income 24.23M 19.02M 3.39M 9.51M 9.40M
Change in cash 31.16M -1.00M 5.29M -84.46M -11.80M
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 - - - -0.99M 0.36M
Dividends paid -8.13M -6.27M 3.56M -3.47M -6.50M
Change to account receivables 1.03M 1.48M -0.87M - -
Sale purchase of stock 0.00M -1.52M 0.00M - -
Other cashflows from financing activities - - - -19.17M 68.15M
Change to netincome - - - 0.18M 4.08M
Capital expenditures 1.41M 0.76M 0.97M 0.30M 0.28M
Change in working capital 2.59M 2.30M -0.58M - -
Other non cash items -8.92M -12.11M 0.27M - -
Free cash flow 21.87M 16.14M 6.11M - -

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
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
Muncy Columbia Financial Corporation		 0.11
0.38%		 29.20 11.19 47.85 4.25 1.56 4.33
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Muncy Columbia Financial Corporation

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.

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

570 784 4400

https://www.journeybank.com

253

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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