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CCFN (Muncy Columbia Financial) Debt-to-Equity : 0.45 (As of Dec. 2024)


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What is Muncy Columbia Financial Debt-to-Equity?

Muncy Columbia Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $18.58 Mil. Muncy Columbia Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $55.54 Mil. Muncy Columbia Financial's Total Stockholders Equity for the quarter that ended in Dec. 2024 was $166.41 Mil. Muncy Columbia Financial's debt to equity for the quarter that ended in Dec. 2024 was 0.45.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Muncy Columbia Financial's Debt-to-Equity or its related term are showing as below:

CCFN' s Debt-to-Equity Range Over the Past 10 Years
Min: 0   Med: 0.01   Max: 0.87
Current: 0.45

During the past 13 years, the highest Debt-to-Equity Ratio of Muncy Columbia Financial was 0.87. The lowest was 0.00. And the median was 0.01.

CCFN's Debt-to-Equity is ranked better than
60.27% of 1470 companies
in the Banks industry
Industry Median: 0.625 vs CCFN: 0.45

Muncy Columbia Financial Debt-to-Equity Historical Data

The historical data trend for Muncy Columbia Financial's Debt-to-Equity 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.

* Premium members only.

Muncy Columbia Financial Debt-to-Equity Chart

Muncy Columbia Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 - 0.87 0.45

Muncy Columbia Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Debt-to-Equity 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 0.87 0.45 0.49 0.36 0.45

Competitive Comparison of Muncy Columbia Financial's Debt-to-Equity

For the Banks - Regional subindustry, Muncy Columbia Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Muncy Columbia Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Muncy Columbia Financial's Debt-to-Equity falls into.


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Muncy Columbia Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Muncy Columbia Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(18.582 + 55.536) / 166.41
=0.45

Muncy Columbia Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2024 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(18.582 + 55.536) / 166.41
=0.45

* 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  (OTCPK:CCFN) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Muncy Columbia Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Muncy Columbia Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Muncy Columbia Financial Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Muncy Columbia Financial Corp (OTCPK:CCFN) » Definitions » Debt-to-Equity
Comparable Companies
PLQC CBFV PEBK FXLG UNB FOTB CZWI CFBK NODB OPOF NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK SAU:1120 SGX:D05 XPAR:BNP MIL:ISP MIL:UCG NSE:SBIN TSE:8411
Traded in Other Exchanges
N/A
Address
232 East Street, Bloomsburg, PA, USA, 17815
Website
https://www.journeybank.com
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.
Executives
Steven H Shannon director PO BOX 803, BLOOMSBURG PA 17815
Jeffrey Thomas Arnold officer: Treasurer, CFO 1414 BRUSHY RIDGE ROAD, MONTOURSVILLE PA 17754
Paul K Page officer: Senior Vice President 11 WEST MAIN STREET, BLOOMSBURG PA 17815
Robert W Dillon director PO BOX 180, BLOOMSBURG PA 17815
Kile Willard H Jr director
Charles B Pursel director 120 WEST MAIN STREET, BLOOMSBURG PA 17815
P Jeffrey Hill director 2204 SHASTA DRIVE, BLOOMSBURG PA 17815
Gittler William F Jr director PMB 288, SUITE 1, 150 EAST NINTH ST., BLOOMSBURG PA 17815
Shirley K Alters officer: Senior Vice President & CFO 19 APPLE LANE, BLOOMSBURG PA 17815
Glenn E Halterman director 1417 TREELINE DRIVE, BLOOMSBURG PA 17815
Naugle Mary Ann B director 68 VISTA ROAD, BERWICK PA 18603
Joanne I Keenan director 2 BITTERSWEET DRIVE, BLOOMSBURG PA 17815
Andrew B Pruden director THE INN AT TURKEY HILL, 991 CENTRAL ROAD, BLOOMSBURG PA 17815
Harding Elwood R Jr director
Mcmichael W Bruce Jr director 83 DEER PATH DR, BERWICK PA 18603