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Muncy Columbia FinancialCCFN -0.91%54 Cash-to-Debt is 1.13 as of Jun. 2026, which is 140% above its 10-year median of 0.47. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.28 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, Muncy Columbia Financial ranks worse than 55.17% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Muncy Columbia Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.13.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Muncy Columbia Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Muncy Columbia Financial's Cash-to-Debt or its related term are showing as below:
CCFN'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06 Med: 0.47 Max: 545.13
Current: 1.13
During the past 13 years, Muncy Columbia Financial's highest Cash to Debt Ratio was 545.13. The lowest was 0.06. And the median was 0.47.
CCFN's Cash-to-Debt is ranked worse than 55.17% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs CCFN: 1.13
Muncy Columbia Financial (OTCPK:CCFN) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Muncy Columbia Financial Cash-to-Debt Related Terms
Muncy Columbia Financial Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Muncy Columbia Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Muncy Columbia Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Muncy Columbia Financial (CCFN) has a Cash-to-Debt of 1.13 as of Jun. 2026. This is 140% above median its historical median of 0.47. Over the past decade, Muncy Columbia Financial's Cash-to-Debt has ranged from 0.06 to 545.13. According to the industry distribution chart, Muncy Columbia Financial ranks #822 out of 1490 companies in the Banks industry, placing it in the top 55.2%.
Is Muncy Columbia Financial's Cash-to-Debt too high?
Muncy Columbia Financial's current Cash-to-Debt of 1.13 is 140% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 545.13. The Banks industry median Cash-to-Debt is 1.40. Muncy Columbia Financial's value of 1.13 is 19.3% below this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #822 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, Muncy Columbia Financial has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muncy Columbia Financial's Cash-to-Debt compare to MYFW and BRBS?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #822 out of 1490 companies for Cash-to-Debt. This places Muncy Columbia Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Muncy Columbia Financial's value of 1.13 is 19.3% below this benchmark. Historically, Muncy Columbia Financial's own Cash-to-Debt has ranged from 0.06 to 545.13 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 1.40, Muncy Columbia Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Cash-to-Debt of 1.13 is 19.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Cash-to-Debt is 1.13, which is 140% above median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muncy Columbia Financial stock overvalued right now?
Based on GuruFocus' analysis, Muncy Columbia Financial (CCFN) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.28, compared to a current price of $28.38 — trading 47.2% above its estimated fair value. The current Cash-to-Debt is 1.13, which is 140% above median its 10-year median of 0.47 and 19.3% below the Banks industry median of 1.40. Muncy Columbia Financial's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Cash-to-Debt is 1.13 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Muncy Columbia Financial (CCFN) Overvalued in 2026?
Based on GuruFocus' analysis, Muncy Columbia Financial stock appears to be overvalued.
The current stock price of $28.38 is trading 47.2% above its estimated GF Value™ of $19.28.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Cash-to-Debt: 1.13 (140% above median its 10-year median of 0.47)
GF Value™: $19.28 vs. price of $28.38 (47.2% above fair value)
Industry Position: 19.3% below the Banks median (#822 of 1490)
No single metric tells the full story. See the CCFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muncy Columbia Financial Corp is a registered financial holding company. It has one subsidiary bank, Journey Bank, which is a full-service commercial bank providing a range of services and products, including time and demand deposit accounts, consumer, commercial and mortgage loans to individuals and small to medium-sized businesses in its Northcentral Pennsylvania market area. The Bank also operates a full-service trust department and offers brokerage services through a third-party networking agreement. It serves individuals, families, nonprofits and business clients throughout Clinton, Columbia, Lycoming, Montour, and Northumberland counties through its branch banking offices. The company operates in one segment, which is Community Banking.
54GF Score
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