Muncy Columbia FinancialCCFN -0.03%54 Debt-to-Equity is 0.21 as of Mar. 2026, which is 77% below its 10-year median of 0.92. 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. Among 1,426 Banks companies, Muncy Columbia Financial ranks better than 75.32% on this metric.
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: 0.92 Max: 2.07
Current: 0.21
During the past 13 years, the highest Debt-to-Equity Ratio of Muncy Columbia Financial was 2.07. The lowest was 0.00. And the median was 0.92.
CCFN's Debt-to-Equity is ranked better than 75.32% of 1426
companies
in the Banks industry
Industry Median: 0.56
vs CCFN: 0.21
Muncy Columbia Financial (OTCPK:CCFN) Debt-to-Equity Explanation
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
Muncy Columbia Financial Debt-to-Equity 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.
CCFN vs WNEB, FNRN, EXSR: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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 Debt-to-Equity of 0.21 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Muncy Columbia Financial and its competitors. This is 77% below median its historical median of 0.92. According to the industry distribution chart, Muncy Columbia Financial ranks #352 out of 1426 companies in the Banks industry, placing it in the top 24.7%.
Is Muncy Columbia Financial's Debt-to-Equity too high?
Muncy Columbia Financial's current Debt-to-Equity of 0.21 is 77% below median its 10-year median of 0.92. The Banks industry median Debt-to-Equity is 0.56. Muncy Columbia Financial's value of 0.21 is 62.5% below this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #352 out of 1426 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #352 out of 1426 companies for Debt-to-Equity. This places Muncy Columbia Financial in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Muncy Columbia Financial's value of 0.21 is 62.5% below this benchmark. While the company's 10-year median is 0.92 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,426 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Debt-to-Equity of 0.21 is 62.5% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Debt-to-Equity is 0.21, which is 77% below median its own 10-year median of 0.92. 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 Debt-to-Equity is 0.21, which is 77% below median its 10-year median of 0.92 and 62.5% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Debt-to-Equity is 0.21 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:
Debt-to-Equity: 0.21 (77% below median its 10-year median of 0.92)
GF Value™: $19.04 vs. price of $28.99 (52.3% above fair value)
Industry Position: 62.5% below the Banks median (#352 of 1426)
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
Get the complete analysis for CCFN
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCFN has been successfully added to your 
