Muncy Columbia FinancialCCFN +0.18%54 FCF Margin % is 89.27% as of Mar. 2026, which is 206% above its 10-year median of 29.22. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.91 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Muncy Columbia Financial ranks better than 73.62% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's FCF Margin % falls into.
* 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 FCF Margin % of 89.27% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Muncy Columbia Financial and its competitors. This is 206% above median its historical median of 29.22. Over the past decade, Muncy Columbia Financial's FCF Margin % has ranged from 20.11 to 47.91. According to the industry distribution chart, Muncy Columbia Financial ranks #397 out of 1505 companies in the Banks industry, placing it in the top 26.4%.
Is Muncy Columbia Financial's FCF Margin % too high?
Muncy Columbia Financial's current FCF Margin % of 89.27% is 206% above median its 10-year median of 29.22. Over the past 10 years, this metric has ranged from a low of 20.11 to a high of 47.91. The Banks industry median FCF Margin % is 26.42. Muncy Columbia Financial's value of 89.27% is 237.9% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #397 out of 1505 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 FCF Margin % compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #397 out of 1505 companies for FCF Margin %. This puts Muncy Columbia Financial in the upper half of its industry. The industry median FCF Margin % is 26.42. Muncy Columbia Financial's value of 89.27% is 237.9% above this benchmark. Historically, Muncy Columbia Financial's own FCF Margin % has ranged from 20.11 to 47.91 over the past decade. While the company's 10-year median is 29.22 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current FCF Margin % of 89.27% is 237.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current FCF Margin % is 89.27%, which is 206% above median its own 10-year median of 29.22. 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 $18.91, compared to a current price of $27.31 — trading 44.4% above its estimated fair value. The current FCF Margin % is 89.27%, which is 206% above median its 10-year median of 29.22 and 237.9% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current FCF Margin % is 89.27% 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 $27.31 is trading 44.4% above its estimated GF Value™ of $18.91.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
FCF Margin %: 89.27% (206% above median its 10-year median of 29.22)
GF Value™: $18.91 vs. price of $27.31 (44.4% above fair value)
Industry Position: 237.9% above the Banks median (#397 of 1505)
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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