Muncy Columbia FinancialCCFN -0.03%54 EV-to-FCF is 8.40 as of Jul. 11, 2026, which is 36% below its 10-year median of 13.20. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,193 Banks companies, Muncy Columbia Financial ranks worse than 55.99% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Muncy Columbia Financial's Enterprise Value is $287.86 Mil.
Muncy Columbia Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $34.26 Mil. Therefore, Muncy Columbia Financial's EV-to-FCF for today is 8.40.
The historical rank and industry rank for Muncy Columbia Financial's EV-to-FCF or its related term are showing as below:
CCFN'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.22 Med: 13.2 Max: 69.73
Current: 8.4
During the past 13 years, the highest EV-to-FCF of Muncy Columbia Financial was 69.73. The lowest was 6.22. And the median was 13.20.
CCFN's EV-to-FCF is ranked worse than 55.99% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs CCFN: 8.40
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Muncy Columbia Financial (OTCPK:CCFN) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Muncy Columbia Financial's PE Ratio (TTM) for today is calculated as:
Muncy Columbia Financial's share price for today is $28.99.
Muncy Columbia Financial's 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 $2.546.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Muncy Columbia Financial EV-to-FCF Related Terms
Muncy Columbia Financial EV-to-FCF 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.
For the Banks - Regional subindustry, Muncy Columbia Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's EV-to-FCF falls into.
Muncy Columbia Financial's current Enterprise Value is $287.86 Mil.
Muncy Columbia Financial's Free Cash Flow 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 $34.26 Mil.
* 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 EV-to-FCF of 8.40 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Muncy Columbia Financial and its competitors. This is 36% below median its historical median of 13.20. Over the past decade, Muncy Columbia Financial's EV-to-FCF has ranged from 6.22 to 69.73. According to the industry distribution chart, Muncy Columbia Financial ranks #668 out of 1193 companies in the Banks industry, placing it in the top 56%.
Is Muncy Columbia Financial's EV-to-FCF too high?
Muncy Columbia Financial's current EV-to-FCF of 8.40 is 36% below median its 10-year median of 13.20. Over the past 10 years, this metric has ranged from a low of 6.22 to a high of 69.73. The Banks industry median EV-to-FCF is 6.57. Muncy Columbia Financial's value of 8.40 is 27.9% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #668 out of 1193 companies in the Banks industry, which is below 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 EV-to-FCF compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #668 out of 1193 companies for EV-to-FCF. This places Muncy Columbia Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. Muncy Columbia Financial's value of 8.40 is 27.9% above this benchmark. Historically, Muncy Columbia Financial's own EV-to-FCF has ranged from 6.22 to 69.73 over the past decade. While the company's 10-year median is 13.20 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current EV-to-FCF of 8.40 is 27.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current EV-to-FCF is 8.40, which is 36% below median its own 10-year median of 13.20. 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 $19.03, compared to a current price of $28.99 — trading 52.3% above its estimated fair value. The current EV-to-FCF is 8.40, which is 36% below median its 10-year median of 13.20 and 27.9% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current EV-to-FCF is 8.40 as of Jul. 11, 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 $28.99 is trading 52.3% above its estimated GF Value™ of $19.03.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
EV-to-FCF: 8.40 (36% below median its 10-year median of 13.20)
GF Value™: $19.03 vs. price of $28.99 (52.3% above fair value)
Industry Position: 27.9% above the Banks median (#668 of 1193)
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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