CCFN (Muncy Columbia Financial) E10: $1.71 (As of Mar. 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $27.31
GF Value $18.91
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial E10?

Muncy Columbia Financial CCFN +0.18% 54 E10 is $1.71 as of Mar. 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.91 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Muncy Columbia Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.673. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.71 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Muncy Columbia Financial's average E10 Growth Rate was 10.30% per year. During the past 3 years, the average E10 Growth Rate was 3.70% per year. During the past 5 years, the average E10 Growth Rate was 5.00% per year. During the past 10 years, the average E10 Growth Rate was 5.70% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Muncy Columbia Financial was 7.40% per year. The lowest was 3.70% per year. And the median was 5.60% per year.

As of today (2026-06-24), Muncy Columbia Financial's current stock price is $27.31. Muncy Columbia Financial's E10 for the quarter that ended in Mar. 2026 was $1.71. Muncy Columbia Financial's Shiller PE Ratio of today is 15.97.

During the past 13 years, the highest Shiller PE Ratio of Muncy Columbia Financial was 17.56. The lowest was 6.67. And the median was 11.95.


Muncy Columbia Financial  (OTCPK:CCFN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Muncy Columbia Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=27.31/1.71
=15.97

* 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 Shiller P/E Ratio of Muncy Columbia Financial was 17.56. The lowest was 6.67. And the median was 11.95.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Muncy Columbia Financial E10 Related Terms


Muncy Columbia Financial E10 Historical Data

* Premium members only.

The historical data trend for Muncy Columbia Financial's E10 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 E10 Chart

Muncy Columbia Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.37 1.48 1.45 1.53 1.65

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
E10 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 1.55 1.58 1.62 1.65 1.71

CCFN vs NASB, TRUX, FVCB: E10 Comparison

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

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

* The bar in red indicates where Muncy Columbia Financial's Shiller PE Ratio falls into.


CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Muncy Columbia Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.673/330.2130*330.2130
=0.673

Current CPI (Mar. 2026) = 330.2130.

Muncy Columbia Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.280 241.018 0.384
201609 0.293 241.428 0.401
201612 0.283 241.432 0.387
201703 0.287 243.801 0.389
201706 0.310 244.955 0.418
201709 0.303 246.819 0.405
201712 0.243 246.524 0.325
201803 0.313 249.554 0.414
201806 0.327 251.989 0.429
201809 0.343 252.439 0.449
201812 0.273 251.233 0.359
201903 0.330 254.202 0.429
201906 0.397 256.143 0.512
201909 0.363 256.759 0.467
201912 0.317 256.974 0.407
202003 0.320 258.115 0.409
202006 0.360 257.797 0.461
202009 0.350 260.280 0.444
202012 0.460 260.474 0.583
202103 0.393 264.877 0.490
202106 0.343 271.696 0.417
202109 0.370 274.310 0.445
202112 0.403 278.802 0.477
202203 0.393 287.504 0.451
202206 0.313 296.311 0.349
202209 0.403 296.808 0.448
202212 0.416 296.797 0.463
202303 0.310 301.836 0.339
202306 0.237 305.109 0.257
202309 0.187 307.789 0.201
202312 -0.137 306.746 -0.147
202403 0.377 312.332 0.399
202406 0.440 314.175 0.462
202409 0.473 315.301 0.495
202412 0.490 315.605 0.513
202503 0.410 319.799 0.423
202506 0.543 322.561 0.556
202509 0.633 324.800 0.644
202512 0.697 324.054 0.710
202603 0.673 330.213 0.673

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.71 mean?
Muncy Columbia Financial (CCFN) has a E10 of $1.71 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Muncy Columbia Financial and its competitors.
Is Muncy Columbia Financial's E10 too high?
Muncy Columbia Financial's current E10 is $1.71. 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 E10 compare to NASB and TRUX?
Muncy Columbia Financial's E10 of $1.71 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Muncy Columbia Financial and its competitors. Muncy Columbia Financial's current E10 is $1.71. 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 $18.91, compared to a current price of $27.31 — trading 44.4% above its estimated fair value. The current E10 is $1.71. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current E10 is $1.71 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 $27.31 is trading 44.4% above its estimated GF Value™ of $18.91. GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.

Key valuation signals for CCFN:

  • E10: $1.71
  • GF Value™: $18.91 vs. price of $27.31 (44.4% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.31
Price
$18.91
GF Value