CCFN (Muncy Columbia Financial) Cyclically Adjusted Revenue per Share: $5.75 (As of Mar. 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $27.60
GF Value $18.96
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial Cyclically Adjusted Revenue per Share?

Muncy Columbia Financial CCFN 54 Cyclically Adjusted Revenue per Share is $5.75 as of Mar. 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.96 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Muncy Columbia Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $1.742. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $5.75 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Muncy Columbia Financial's average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 3.80% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 4.60% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 4.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Muncy Columbia Financial was 7.10% per year. The lowest was 2.60% per year. And the median was 4.00% per year.

As of today (2026-07-02), Muncy Columbia Financial's current stock price is $27.60. Muncy Columbia Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $5.75. Muncy Columbia Financial's Cyclically Adjusted PS Ratio of today is 4.80.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Muncy Columbia Financial was 4.82. The lowest was 1.89. And the median was 3.41.


Muncy Columbia Financial  (OTCPK:CCFN) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Muncy Columbia Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=27.60/5.75
=4.80

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Muncy Columbia Financial was 4.82. The lowest was 1.89. And the median was 3.41.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Muncy Columbia Financial Cyclically Adjusted Revenue per Share Related Terms


Muncy Columbia Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Muncy Columbia Financial's Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share Chart

Muncy Columbia Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.73 5.00 5.11 5.31 5.60

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
Cyclically Adjusted Revenue per Share 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 5.41 5.49 5.56 5.60 5.75

CCFN vs WNEB, FNRN, EXSR: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Muncy Columbia Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Muncy Columbia Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Muncy Columbia Financial's Cyclically Adjusted PS Ratio falls into.


CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Muncy Columbia Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Muncy Columbia Financial's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.742/330.2130*330.2130
=1.742

Current CPI (Mar. 2026) = 330.2130.

Muncy Columbia Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.973 241.018 1.333
201609 0.999 241.428 1.366
201612 0.998 241.432 1.365
201703 1.011 243.801 1.369
201706 1.027 244.955 1.384
201709 1.034 246.819 1.383
201712 1.125 246.524 1.507
201803 1.030 249.554 1.363
201806 1.055 251.989 1.382
201809 1.101 252.439 1.440
201812 1.073 251.233 1.410
201903 1.090 254.202 1.416
201906 1.151 256.143 1.484
201909 1.152 256.759 1.482
201912 1.155 256.974 1.484
202003 1.071 258.115 1.370
202006 1.199 257.797 1.536
202009 1.208 260.280 1.533
202012 1.263 260.474 1.601
202103 1.227 264.877 1.530
202106 1.149 271.696 1.396
202109 1.207 274.310 1.453
202112 1.215 278.802 1.439
202203 1.183 287.504 1.359
202206 1.145 296.311 1.276
202209 1.035 296.808 1.151
202212 1.196 296.797 1.331
202303 1.095 301.836 1.198
202306 1.061 305.109 1.148
202309 1.028 307.789 1.103
202312 1.218 306.746 1.311
202403 1.351 312.332 1.428
202406 1.379 314.175 1.449
202409 1.445 315.301 1.513
202412 1.510 315.605 1.580
202503 1.539 319.799 1.589
202506 1.608 322.561 1.646
202509 1.749 324.800 1.778
202512 1.797 324.054 1.831
202603 1.742 330.213 1.742

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $5.75 mean?
Muncy Columbia Financial (CCFN) has a Cyclically Adjusted Revenue per Share of $5.75 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Muncy Columbia Financial and its competitors.
Is Muncy Columbia Financial's Cyclically Adjusted Revenue per Share too high?
Muncy Columbia Financial's current Cyclically Adjusted Revenue per Share is $5.75. 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 Cyclically Adjusted Revenue per Share compare to WNEB and FNRN?
Muncy Columbia Financial's Cyclically Adjusted Revenue per Share of $5.75 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Muncy Columbia Financial and its competitors. Muncy Columbia Financial's current Cyclically Adjusted Revenue per Share is $5.75. 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 $18.96, compared to a current price of $27.60 — trading 45.6% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $5.75. 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 Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Cyclically Adjusted Revenue per Share is $5.75 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 $27.60 is trading 45.6% above its estimated GF Value™ of $18.96. GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.

Key valuation signals for CCFN:

  • Cyclically Adjusted Revenue per Share: $5.75
  • GF Value™: $18.96 vs. price of $27.60 (45.6% 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

Get the complete analysis for CCFN

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.60
Price
$18.96
GF Value