Muncy Columbia Financial's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was $0.67.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $2.55.
During the past 12 months, Muncy Columbia Financial's average earnings per share (NRI) Growth Rate was 39.50% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 14.30% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 6.40% per year.
During the past 10 years, the average earnings per share (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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Muncy Columbia Financial's EPS without NRI or its related term are showing as below:
CCFN'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -15.6 Med: 4.4 Max: 16.6
Current: 14.3
During the past 13 years, Muncy Columbia Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 16.60% per year. The lowest was -15.60% per year. And the median was 4.40% per year.
CCFN's 3-Year EPS without NRI Growth Rate is ranked better than 66.22% of 1412
companies
in the Banks industry
Industry Median: 7.3
vs CCFN: 14.30
Muncy Columbia Financial (OTCPK:CCFN) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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 EPS without NRI Related Terms
Muncy Columbia Financial EPS without NRI 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: EPS without NRI Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's PE Ratio without NRI falls into.
Muncy Columbia Financial EPS without NRI Calculation
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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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 $2.55
* 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 EPS without NRI of $2.55 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Muncy Columbia Financial and its competitors. According to the industry distribution chart, Muncy Columbia Financial ranks #477 out of 1412 companies in the Banks industry, placing it in the top 33.8%.
Is Muncy Columbia Financial's EPS without NRI too high?
Muncy Columbia Financial's current EPS without NRI is $2.55. The Banks industry median EPS without NRI is 7.30. Muncy Columbia Financial's value of $2.55 is 65.1% below this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #477 out of 1412 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 EPS without NRI compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #477 out of 1412 companies for EPS without NRI. This puts Muncy Columbia Financial in the upper half of its industry. The industry median EPS without NRI is 7.30. Muncy Columbia Financial's value of $2.55 is 65.1% 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 EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current EPS without NRI of $2.55 is 65.1% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median EPS without NRI 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 EPS without NRI is $2.55. 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 $18.96, compared to a current price of $27.59 — trading 45.5% above its estimated fair value. The current EPS without NRI is $2.55 and 65.1% 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current EPS without NRI is $2.55 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 $27.59 is trading 45.5% above its estimated GF Value™ of $18.96.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
EPS without NRI: $2.55
GF Value™: $18.96 vs. price of $27.59 (45.5% above fair value)
Industry Position: 65.1% below the Banks median (#477 of 1412)
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
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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