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Muncy Columbia FinancialCCFN -0.77%54 Equity-to-Asset is 0.11 as of Mar. 2026, which is 8% below its 10-year median of 0.12. 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 1,520 Banks companies, Muncy Columbia Financial ranks better than 72.89% on this metric.
The historical rank and industry rank for Muncy Columbia Financial's Equity-to-Asset or its related term are showing as below:
CCFN'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.12 Max: 0.14
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Muncy Columbia Financial was 0.14. The lowest was 0.09. And the median was 0.12.
CCFN's Equity-to-Asset is ranked better than 72.89% of 1520
companies
in the Banks industry
Industry Median: 0.1
vs CCFN: 0.12
Muncy Columbia Financial (OTCPK:CCFN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Muncy Columbia Financial Equity-to-Asset Related Terms
Muncy Columbia Financial Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Equity-to-Asset falls into.
Muncy Columbia Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Muncy Columbia Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Muncy Columbia Financial and its competitors. This is near median its historical median of 0.12. Over the past decade, Muncy Columbia Financial's Equity-to-Asset has ranged from 0.09 to 0.14. According to the industry distribution chart, Muncy Columbia Financial ranks #412 out of 1520 companies in the Banks industry, placing it in the top 27.1%.
Is Muncy Columbia Financial's Equity-to-Asset too high?
Muncy Columbia Financial's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Muncy Columbia Financial's value of 0.11 is 10% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #412 out of 1520 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 Equity-to-Asset compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #412 out of 1520 companies for Equity-to-Asset. This puts Muncy Columbia Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Muncy Columbia Financial's value of 0.11 is 10% above this benchmark. Historically, Muncy Columbia Financial's own Equity-to-Asset has ranged from 0.09 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.12. 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 $28.52 — trading 48.4% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.12 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Equity-to-Asset is 0.11 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 $28.52 is trading 48.4% above its estimated GF Value™ of $19.22.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.12)
GF Value™: $19.22 vs. price of $28.52 (48.4% above fair value)
Industry Position: 10% above the Banks median (#412 of 1520)
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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