CCFN · Muncy Columbia Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $8.67M | - | $8.09M | $6.93M | $5.11M | - | $5.97M | $5.56M | $4.73M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $7.95M | - |
| Income Tax | $1.51M | - | $1.37M | $1.17M | $767.0K | - | $915.0K | $849.0K | $695.0K | - |
| Net Income | $7.16M | - | $6.72M | $5.77M | $4.34M | - | $5.06M | $4.71M | $4.04M | - |
| EPS - Basic | $0.67 | - | $0.63 | $0.54 | $0.41 | - | $0.47 | $0.44 | $0.38 | - |
| EPS - Diluted | $0.67 | - | $0.63 | $0.54 | $0.41 | - | $0.19 | $0.24 | $0.38 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $60.44M | $48.54M | $45.33M | $40.71M | $23.76M | $17.38M | $28.07M | $21.48M | $16.23M | $18.38M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.72B | $1.67B | $1.65B | $1.62B | $1.60B | $1.60B | $1.61B | $1.59B | $1.57B | $1.64B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $40.65M | $40.58M | $40.52M | $45.45M | - | - | - | - | - | - |
| Total Liabilities | $1.53B | $1.48B | $1.47B | $1.44B | $1.43B | $1.43B | $1.44B | $1.43B | $1.42B | $1.49B |
| Stockholders' Equity | $192.06M | $192.54M | $184.49M | $176.28M | $171.40M | $166.41M | $169.30M | $157.64M | $154.86M | $153.82M |
| Retained Earnings | $121.36M | $119.36M | $113.56M | $108.43M | $106.02M | $103.27M | $99.60M | $96.11M | $92.98M | $90.51M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.60M | - | - | - | $4.70M | - | - | - | $3.88M | - |
| Investing Cash Flow | ($42.08M) | - | - | - | $3.04M | - | - | - | $64.76M | - |
| Financing Cash Flow | $37.38M | - | - | - | ($1.36M) | - | - | - | ($70.78M) | - |
| CapEx | $101.0K | - | - | - | $576.0K | - | - | - | $113.0K | - |
| Free Cash Flow | $16.50M | - | - | - | $4.13M | - | - | - | $3.77M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 2.31 | - | - | - | 0.95 | - | - | - | 0.93 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 17.4% | - | 16.9% | 16.8% | 15.0% | - | 15.3% | 15.3% | 14.7% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 3.7% | - | 3.6% | 3.3% | 2.5% | - | 3.0% | 3.0% | 2.6% | - |
| Return on invested capital | 3.1% | - | 3.0% | 2.6% | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.21 | 0.21 | 0.22 | 0.26 | - | - | - | - | - | - |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.03 | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.6x | - |
| Equity multiplier | 8.94 | 8.69 | 8.97 | 9.17 | 9.35 | 9.59 | 9.49 | 10.10 | 10.16 | 10.66 |
| Liabilities / Assets | 0.89 | 0.88 | 0.89 | 0.89 | 0.89 | 0.90 | 0.89 | 0.90 | 0.90 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 32.7x | - | 26.3x | 28.3x | 34.1x | - | 61.2x | 45.8x | 27.4x | - |
| P / B | - | - | - | - | 0.3x | - | 0.1x | 0.1x | 0.2x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 69.5% | - | 35.4% | 24.8% | 8.1% | - | 356.5% | 124.3% | - | - |
| Net income growth (YoY) | 64.7% | - | 32.9% | 22.5% | 7.7% | - | 331.8% | 141.0% | - | - |
| EPS growth (YoY) | 64.2% | - | 239.3% | 129.6% | 8.8% | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 299.7% | - | - | - | 9.6% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 12.1% | 15.7% | 9.0% | 11.8% | 10.7% | 8.2% | 104.2% | 79.4% | - | - |
Peer comparison
Same SIC group: State Commercial Banks
Comparing MUNCY COLUMBIA FINANCIAL Corp against the 5 most active filers in the same SIC group.
Dividends
$0.94/share trailing 12 months · +23.9% YoY
| Ex-date | Per share |
|---|---|
| May 26, 2026 | $0.1550 |
| Apr 8, 2026 | $0.3333 |
| Mar 4, 2026 | $0.1533 |
| Nov 25, 2025 | $0.1500 |
| Aug 26, 2025 | $0.1500 |
| May 27, 2025 | $0.1500 |
| May 6, 2025 | $0.1667 |
| Feb 25, 2025 | $0.1500 |
| Nov 26, 2024 | $0.1467 |
| Aug 27, 2024 | $0.1467 |
| May 29, 2024 | $0.1467 |
| Feb 26, 2024 | $0.1467 |
| Oct 16, 2023 | $0.1433 |
| Aug 14, 2023 | $0.1433 |
| May 22, 2023 | $0.1433 |
| Feb 6, 2023 | $0.1400 |
| Nov 7, 2022 | $0.1400 |
| Aug 15, 2022 | $0.1400 |
| May 23, 2022 | $0.1400 |
| Feb 7, 2022 | $0.1367 |
| Nov 8, 2021 | $0.1367 |
| Aug 16, 2021 | $0.1367 |
| Jul 2, 2021 | $0.5000 |
| May 24, 2021 | $0.1367 |