CCFN (Muncy Columbia Financial) Change In Receivables: $-0.30 Mil (TTM As of Mar. 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $28.99
GF Value $19.04
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial Change In Receivables?

Muncy Columbia Financial CCFN -0.03% 54 Change In Receivables is $-0.30 Mil as of Mar. 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.04 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Muncy Columbia Financial's change in receivables for the quarter that ended in Mar. 2026 was $-0.63 Mil. It means Muncy Columbia Financial's Accounts Receivable increased by $0.63 Mil from Dec. 2025 to Mar. 2026 .

Muncy Columbia Financial's change in receivables for the fiscal year that ended in Dec. 2025 was $1.03 Mil. It means Muncy Columbia Financial's Accounts Receivable declined by $1.03 Mil from Dec. 2024 to Dec. 2025 .

Muncy Columbia Financial's Accounts Receivable for the quarter that ended in Mar. 2026 was $5.33 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Muncy Columbia Financial's Days Sales Outstanding for the three months ended in Mar. 2026 was 26.32.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Muncy Columbia Financial's liquidation value for the three months ended in Mar. 2026 was $-1,268.68 Mil.

Muncy Columbia Financial  (OTCPK:CCFN) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Muncy Columbia Financial's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=5.331/18.479*91
=26.32

2. In Ben Graham's calculation of liquidation value, Muncy Columbia Financial's accounts receivable are only considered to be worth 75% of book value:

Muncy Columbia Financial's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=252.587-1525.27+0.75 * 5.331+0.5 * 0
=-1,268.68

* 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 Change In Receivables Related Terms

Muncy Columbia Financial Change In Receivables Historical Data

* Premium members only.

The historical data trend for Muncy Columbia Financial's Change In Receivables can be seen below:

* 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 Change In Receivables Chart

Muncy Columbia Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 -0.73 -0.87 1.48 1.03

Muncy Columbia Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.71 -0.04 0.10 0.27 -0.63
CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Muncy Columbia Financial Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.30 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-0.30 Mil mean?
Muncy Columbia Financial (CCFN) has a Change In Receivables of $-0.30 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Muncy Columbia Financial and its competitors.
Is Muncy Columbia Financial's Change In Receivables too high?
Muncy Columbia Financial's current Change In Receivables is $-0.30 Mil. 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 Change In Receivables compare to WNEB and FNRN?
Muncy Columbia Financial's Change In Receivables of $-0.30 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Muncy Columbia Financial and its competitors. Muncy Columbia Financial's current Change In Receivables is $-0.30 Mil. 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 $19.04, compared to a current price of $28.99 — trading 52.3% above its estimated fair value. The current Change In Receivables is $-0.30 Mil. 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 Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Change In Receivables is $-0.30 Mil as of Mar. 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 $28.99 is trading 52.3% above its estimated GF Value™ of $19.04. GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.

Key valuation signals for CCFN:

  • Change In Receivables: $-0.30 Mil
  • GF Value™: $19.04 vs. price of $28.99 (52.3% above fair value)
  • GF Score™: 54/100 with 6 warning signs

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 Business Description

Address 1199 Lightstreet Road, Bloomsburg, PA, USA, 17815
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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Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.99
Price
$19.04
GF Value