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Muncy Columbia FinancialCCFN 54 Earnings per Share (Diluted) is $2.67 as of Mar. 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.23 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,411 Banks companies, Muncy Columbia Financial ranks better than 66.19% on this metric.
During the past 12 months, Muncy Columbia Financial's average EPS without NRIGrowth Rate was 39.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 14.30% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 6.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 5.10% per year.
During the past 13 years, Muncy Columbia Financial's highest 3-Year average EPS without NRI Growth Rate 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) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Muncy Columbia Financial Earnings per Share (Diluted) Related Terms
Muncy Columbia Financial Earnings per Share (Diluted) Historical Data
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The historical data trend for Muncy Columbia Financial's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
CCFN vs WNEB, FNRN, EXSR: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's PE Ratio, along with its competitors' market caps and 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's PE Ratio falls into.
Muncy Columbia Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Muncy Columbia Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.67
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $2.67 mean?
Muncy Columbia Financial (CCFN) has a Earnings per Share (Diluted) of $2.67 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Muncy Columbia Financial and its competitors. According to the industry distribution chart, Muncy Columbia Financial ranks #477 out of 1411 companies in the Banks industry, placing it in the top 33.8%.
Is Muncy Columbia Financial's Earnings per Share (Diluted) too high?
Muncy Columbia Financial's current Earnings per Share (Diluted) is $2.67. The Banks industry median Earnings per Share (Diluted) is 7.30. Muncy Columbia Financial's value of $2.67 is 63.4% below this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #477 out of 1411 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 Earnings per Share (Diluted) compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #477 out of 1411 companies for Earnings per Share (Diluted). This puts Muncy Columbia Financial in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Muncy Columbia Financial's value of $2.67 is 63.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Earnings per Share (Diluted) of $2.67 is 63.4% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Earnings per Share (Diluted) is $2.67. 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 $19.23, compared to a current price of $28.95 — trading 50.5% above its estimated fair value. The current Earnings per Share (Diluted) is $2.67 and 63.4% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Earnings per Share (Diluted) is $2.67 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 $28.95 is trading 50.5% above its estimated GF Value™ of $19.23.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Earnings per Share (Diluted): $2.67
GF Value™: $19.23 vs. price of $28.95 (50.5% above fair value)
Industry Position: 63.4% below the Banks median (#477 of 1411)
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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