Muncy Columbia Financial has the GF Score of 54, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Muncy Columbia Financial
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Muncy Columbia Financial (OTCPK:CCFN) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Muncy Columbia Financial GF Score Related Terms
CCFN vs NASB, TRUX, FVCB: GF Score Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's GF Score falls into.
Muncy Columbia Financial (CCFN) has a GF Score of 54 as of Jun. 27, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Muncy Columbia Financial and its competitors. This is near median its historical median of 54.00. Over the past decade, Muncy Columbia Financial's GF Score has ranged from 21.00 to 69.00.
Is Muncy Columbia Financial's GF Score too high?
Muncy Columbia Financial's current GF Score of 54 is near median its 10-year median of 54.00. Over the past 10 years, this metric has ranged from a low of 21.00 to a high of 69.00. 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 GF Score compare to NASB and TRUX?
Muncy Columbia Financial's GF Score of 54 can be compared against companies in the Banks industry. Historically, Muncy Columbia Financial's own GF Score has ranged from 21.00 to 69.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Muncy Columbia Financial and its competitors. Muncy Columbia Financial's current GF Score is 54, which is near median its own 10-year median of 54.00. 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 $18.93, compared to a current price of $27.31 — trading 44.3% above its estimated fair value. The current GF Score is 54, which is near median its 10-year median of 54.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current GF Score is 54 as of Jun. 27, 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 44.3% above its estimated GF Value™ of $18.93.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
GF Score: 54 (near median its 10-year median of 54.00)
GF Value™: $18.93 vs. price of $27.31 (44.3% above fair value)
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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