Muncy Columbia FinancialCCFN +0.18%54 FCF Yield % is 11.82 as of Jun. 24, 2026, which is 26% above its 10-year median of 9.41. 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 65.05% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Muncy Columbia Financial FCF Yield % Related Terms
Muncy Columbia Financial FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's FCF Yield % 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 Yield % of 11.82 as of Jun. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Muncy Columbia Financial and its competitors. This is 26% above median its historical median of 9.41. Over the past decade, Muncy Columbia Financial's FCF Yield % has ranged from 4.15 to 14.70. According to the industry distribution chart, Muncy Columbia Financial ranks #526 out of 1505 companies in the Banks industry, placing it in the top 35%.
Is Muncy Columbia Financial's FCF Yield % too high?
Muncy Columbia Financial's current FCF Yield % of 11.82 is 26% above median its 10-year median of 9.41. Over the past 10 years, this metric has ranged from a low of 4.15 to a high of 14.70. The Banks industry median FCF Yield % is 8.26. Muncy Columbia Financial's value of 11.82 is 43.1% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #526 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 Yield % compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #526 out of 1505 companies for FCF Yield %. This puts Muncy Columbia Financial in the upper half of its industry. The industry median FCF Yield % is 8.26. Muncy Columbia Financial's value of 11.82 is 43.1% above this benchmark. Historically, Muncy Columbia Financial's own FCF Yield % has ranged from 4.15 to 14.70 over the past decade. While the company's 10-year median is 9.41 vs. the industry median of 8.26, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.26, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current FCF Yield % of 11.82 is 43.1% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current FCF Yield % is 11.82, which is 26% above median its own 10-year median of 9.41. 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 Yield % is 11.82, which is 26% above median its 10-year median of 9.41 and 43.1% above the Banks industry median of 8.26. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current FCF Yield % is 11.82 as of Jun. 24, 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 Yield %: 11.82 (26% above median its 10-year median of 9.41)
GF Value™: $18.91 vs. price of $27.31 (44.4% above fair value)
Industry Position: 43.1% above the Banks median (#526 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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