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CCFNB Bancorp Inc (CCFN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of CCFNB Bancorp Inc stock $19.53, price $29.30, that is 33.3% below the price, quality 41 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB CCFNB Bancorp Inc logo Broad data Nov 5, 2026

CCFNB Bancorp Inc

CCFN · US
Expensive, weak quality

Our calculation puts a fair price 33% below what the stock costs today.

Highly profitable · 34.1% net margin (FY2025)
2.1% dividend yield · Low payout
Broad data
Quality 41/100
Mixed Growth (revenue 5y +19.0 %/yr in USD)
Mixed vs. peers (6/15)
Moderate moat 57/100 · thin data
Insiders bought $83,437 (6M) · sold $56,567
Fair value $19.53 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$30.60 $7.85 Fair Value $19.53 Jan 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $7.85 – $30.60 · fair‑value band $16.65 – $26.72 · the $29.30 price screens above the $19.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking products and services in Pennsylvania.

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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.

Stock analysis

CCFNB Bancorp Inc (CCFN) currently trades at $29.30, while our model-based Fair Value estimate is $19.53, 33% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $25.31 per share, and 1 of the 6 models we run sit above the $29.30 price.

Bear case: the Asset-Based group reads lowest at $10.03, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $16.65 (bear) to $26.72 (bull), the price of $29.30 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

CCFNB Bancorp Inc reported revenue of $71.0M in FY2025 versus $29.9M in FY2021, a compound +24.1%/yr. Reported net income was $24.2M in FY2025, compounding +26.7%/yr from FY2021.

Key figures

Market cap $311M Small · P/E ratio 11.2 · P/S ratio 3.82 · EPS (TTM) $2.62 · Dividend yield 2.1% · Net margin 34.1% · Return on equity 15.2% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 74% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −33%, CCFN screens richer than that median.

Fair Value models

Bear $16.65 Fair Value $19.53 Bull $26.72
Price $29.30 · Downside -33.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.72 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $16.65 $19.53 $26.72 76
Gordon GGM $6.54 $12.71 $18.76 67
DDM Multi-Stage $6.54 $11.14 $13.46 67
All 6 models by family
Dividend Discount
Gordon GGM $6.54 $12.71 $18.76 67
DDM Multi-Stage $6.54 $11.14 $13.46 67
Multiples
P/E Multiple $22.25 $29.67 $37.08 63
P/B Multiple $15.72 $20.95 $26.19 55
Asset-Based
NCAV (Graham) $7.48 $10.03 $14.97 54
Economic Profit
Residual Income $16.65 $19.53 $26.72 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 41/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 38
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 10
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 93
How calm the share price moves, does not count
Price momentum 71
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors bought shares worth $83,437, most recently on Sep 10, 2026. Over the same period, 3 people sold shares worth $56,567. Buying cluster

  • BuyRobert J GlunkDirector4× since Jan 27, 2026: 209 shares, avg. $50.93$10,645Sep 10, 2026
  • SaleBonnie M TompkinsDirector7× since Dec 11, 2025: 2,149 shares, avg. $30.13$64,743Aug 31, 2026
  • BuyStephanie A OakesEVP & CTOO130 shares at $28.25$3,673Aug 28, 2026
  • SaleWillard H Kile JrDirector0.89 shares at $28.11$25Aug 24, 2026
  • SaleEdwin A WennerDirector0.39 shares at $28.92$11Aug 5, 2026
  • BuySteven H ShannonDirector950 shares at $28.93$27,483Jul 27, 2026
  • BuyW Bruce McMichael JrDirector2× since May 21, 2026: 1,858 shares, avg. $26.89$49,970May 26, 2026
  • BuyJessica M. LehmanEVP/Director of Trust Services2× since Jan 28, 2026: 274 shares, avg. $67.70$18,549Apr 30, 2026
  • BuyBrian D KlingermanDirector1,000 shares at $73.50$73,500Apr 29, 2026
  • BuyBonnie M TompkinsDirector5× since Jan 29, 2026: 1,641 shares, avg. $61.07$100,217Apr 28, 2026

Plus 2 more entries from the last 12 months.

Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.0%
Start year 2020 (pandemic). Over 10 years: +11.3% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−10.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−12.6%
Dividend (yield on the price)2.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−12.6% vs −3.3%, slowing
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 5.0%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

CCFN screens overvalued: fair value 33% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −33.3% · Below median
Profitability
Return on equity (12 months) 15.2% · Top 25%
Return on assets 1.5% · Top 25%
Net margin (12 months) 34.1% · Above median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 12.8% · Above median
Dividend yield (12 months) 2.1% · Below median
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.2× · Cheaper than median
P/B 1.61× · Priciest 25%
P/S (12 months) 4.15× · Pricier than median
Price / free cash flow (fiscal year) 14.2× · Pricier than median
EV/EBITDA 32.1× · Priciest 25%
PEG 3.20× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)64 · sector 47
PAST (return on equity)61 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)42 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs CCFN
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs CCFN
BNP Paribas SA BNP €93.98 €106.01 +13% vs CCFN
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs CCFN
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs CCFN
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CCFN
UniCredit S.p.A UCG €81.62 €50.44 −38% vs CCFN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CCFN
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs CCFN
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs CCFN

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Cite: Fair Value Calculator (2026). "CCFNB Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/CCFN

Frequently asked questions

Is CCFNB Bancorp Inc (CCFN) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $19.53 versus a price of $29.30, about 33% lower (overvalued).
What is the fair value of CCFN?
Our model-based fair value for CCFNB Bancorp Inc is $19.53 (as of Nov 5, 2026), built from audited fundamentals. The current price: $29.30.
What is the quality score of CCFN?
CCFNB Bancorp Inc has a Quality Score of 41/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CCFNB Bancorp Inc (CCFN)?
Our model-based price target is the fair value of $19.53 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $16.65, optimistic scenario $26.72. It is a calculation from audited fundamentals, not an analyst target.
What is the CCFNB Bancorp Inc stock forecast for 2026?
Our models put fair value at $19.53, about 33% lower versus a price of $29.30 (overvalued). Cautious scenario $16.65, optimistic scenario $26.72. The calculation is refreshed regularly with new filings.
What is the revenue of CCFNB Bancorp Inc (CCFN)?
CCFNB Bancorp Inc reported trailing-twelve-month revenue of about $74.9M (latest available figure, as of Nov 5, 2026).
Does CCFNB Bancorp Inc pay a dividend?
CCFNB Bancorp Inc currently shows a dividend yield of 2.08% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of CCFNB Bancorp Inc (CCFN) and when is the ex-dividend date?
CCFNB Bancorp Inc pays a dividend of $0.609 per share a year, a dividend yield of 2.1%. The last ex-dividend date was Aug 25, 2026. A dividend has been paid every year since at least 1994. The payout ratio is 23.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of CCFNB Bancorp Inc (CCFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CCFNB Bancorp Inc it is $19.53 per share (as of Nov 5, 2026), against a price of $29.30. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is CCFNB Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, CCFN trades above its calculated fair value: price $29.30, fair value $19.53, a gap of about −33% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CCFN?
No. The price is what the market pays today ($29.30); the fair value is what the company's own numbers justify ($19.53). For CCFNB Bancorp Inc the two are $9.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is CCFNB Bancorp Inc worth?
The market values CCFNB Bancorp Inc at about $311M (market capitalisation, as of Nov 5, 2026). Per share that is $29.30; our models calculate a fair value of $19.53 per share.
What do the bullish and bearish scenarios say about CCFN?
Our models span a range for CCFNB Bancorp Inc: cautious scenario $16.65, base $19.53, optimistic $26.72 per share (as of Nov 5, 2026, price $29.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CCFN?
CCFNB Bancorp Inc trades at a price-to-earnings ratio of 11.2 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $19.53 is built from several models across several years. Other multiples: PEG 3.2, P/B 1.6, P/S 4.1, EV/EBITDA 32.1.
What is the PEG ratio of CCFN?
The PEG ratio of CCFNB Bancorp Inc is 3.20 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of CCFNB Bancorp Inc (CCFN)?
Balance-sheet figures for CCFNB Bancorp Inc (as of Nov 5, 2026): return on equity 15.2%, debt of 0.21 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is CCFN from its 52-week high?
CCFNB Bancorp Inc trades at $29.30, about 4% below its 52-week high of $30.60 and 74% above the low of $16.86 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $19.53 is for.
Which stocks are comparable to CCFNB Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CCFNB Bancorp Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $29.30, calculated fair value $19.53 (−33%), Quality Score 41/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CCFN calculated?
We run CCFNB Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $19.53 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. CCFNB Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CCFNB Bancorp Inc (CCFN)?
The closing price on Nov 6, 2026 was $29.30. Our model-based fair value is $19.53, about 33% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CCFNB Bancorp Inc right now?
The price sits above even our optimistic bull case ($26.72). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of CCFNB Bancorp Inc (CCFN) come from?
Earnings per share at CCFNB Bancorp Inc grew +4.9 % a year from 2008 to 2019. Broken into its drivers: revenue per share +1.6 %, EBIT margin +2.5 %, tax rate +0.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of CCFNB Bancorp Inc

How large is the market capitalisation of CCFNB Bancorp Inc (CCFN)?
The market capitalisation of CCFNB Bancorp Inc is $311M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CCFNB Bancorp Inc (CCFN)?
The price-to-sales ratio of CCFNB Bancorp Inc is 3.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CCFNB Bancorp Inc (CCFN)?
Earnings per share at CCFNB Bancorp Inc are $2.62 (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CCFNB Bancorp Inc (CCFN)?
The dividend yield of CCFNB Bancorp Inc is 2.1% (payout 23.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of CCFNB Bancorp Inc (CCFN)?
The net margin of CCFNB Bancorp Inc is 34.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CCFNB Bancorp Inc (CCFN)?
The return on equity (ROE) of CCFNB Bancorp Inc is 15.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CCFNB Bancorp Inc (CCFN)?
On an EBIT basis the return on assets of CCFNB Bancorp Inc is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at CCFNB Bancorp Inc (CCFN)?
Revenue at CCFNB Bancorp Inc is growing +12.8% versus a year earlier (3y avg +35.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CCFNB Bancorp Inc (CCFN)?
Earnings per share at CCFNB Bancorp Inc are growing +23.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does CCFNB Bancorp Inc (CCFN) generate?
The free cash flow of CCFNB Bancorp Inc is $21.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does CCFNB Bancorp Inc (CCFN) carry?
The net debt of CCFNB Bancorp Inc is $56.7M (fiscal year 2024, ≈ 2.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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