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Muncy Columbia FinancialCCFN 54 3-Year EPS without NRI Growth Rate is 14.30% as of Jun. 2026, which is 225% above its 10-year median of 4.40. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,408 Banks companies, Muncy Columbia Financial ranks better than 65.98% on this metric.
During the past 12 months, Muncy Columbia Financial's average EPS without NRI Growth Rate was 40.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 14.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 6.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 5.10% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Muncy Columbia Financial was 16.60% per year. The lowest was -15.60% per year. And the median was 4.40% per year.
Muncy Columbia Financial (OTCPK:CCFN) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Muncy Columbia Financial 3-Year EPS without NRI Growth Rate Related Terms
CCFN vs MYFW, BRBS, NASB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's 3-Year EPS without NRI Growth Rate falls into.
Muncy Columbia Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 14.30% mean?
Muncy Columbia Financial (CCFN) has a 3-Year EPS without NRI Growth Rate of 14.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Muncy Columbia Financial and its competitors. This is 225% above median its historical median of 4.40. According to the industry distribution chart, Muncy Columbia Financial ranks #479 out of 1408 companies in the Banks industry, placing it in the top 34%.
Is Muncy Columbia Financial's 3-Year EPS without NRI Growth Rate too high?
Muncy Columbia Financial's current 3-Year EPS without NRI Growth Rate of 14.30% is 225% above median its 10-year median of 4.40. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Muncy Columbia Financial's value of 14.30% is 90.7% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #479 out of 1408 companies in the Banks industry, which is above the industry midpoint. 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 3-Year EPS without NRI Growth Rate compare to MYFW and BRBS?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #479 out of 1408 companies for 3-Year EPS without NRI Growth Rate. This puts Muncy Columbia Financial in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Muncy Columbia Financial's value of 14.30% is 90.7% above this benchmark. While the company's 10-year median is 4.40 vs. the industry median of 7.50, Muncy Columbia Financial has consistently been above 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,408 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current 3-Year EPS without NRI Growth Rate of 14.30% is 90.7% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Muncy Columbia Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current 3-Year EPS without NRI Growth Rate is 14.30%, which is 225% above median its own 10-year median of 4.40. 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 $19.22, compared to a current price of $28.65 — trading 49.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 14.30%, which is 225% above median its 10-year median of 4.40 and 90.7% above the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current 3-Year EPS without NRI Growth Rate is 14.30% as of Jun. 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 $28.65 is trading 49.1% above its estimated GF Value™ of $19.22.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
3-Year EPS without NRI Growth Rate: 14.30% (225% above median its 10-year median of 4.40)
GF Value™: $19.22 vs. price of $28.65 (49.1% above fair value)
Industry Position: 90.7% above the Banks median (#479 of 1408)
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
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