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Muncy Columbia FinancialCCFN -0.91%54 Intrinsic Value: Projected FCF is $25.24 as of Aug. 23, 2026, which is 2174% above its 10-year median of 1.11. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $19.28 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,308 Banks companies, Muncy Columbia Financial ranks worse than 87% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Muncy Columbia Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
CCFN'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.75 Med: 1.11 Max: 2.69
Current: 1.12
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Muncy Columbia Financial was 2.69. The lowest was 0.75. And the median was 1.11.
CCFN's Price-to-Projected-FCF is ranked worse than 87% of 1308
companies
in the Banks industry
Industry Median: 0.59
vs CCFN: 1.12
Muncy Columbia Financial (OTCPK:CCFN) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Muncy Columbia Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
28.38
/
25.237608344612
=
1.12
* 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 Intrinsic Value: Projected FCF Related Terms
Muncy Columbia Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Muncy Columbia Financial's Intrinsic Value: Projected FCF can be seen below:
* 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 Intrinsic Value: Projected FCF Chart
CCFN vs MYFW, BRBS, NASB: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Price-to-Projected-FCF falls into.
Muncy Columbia Financial Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $25.24 mean?
Muncy Columbia Financial (CCFN) has a Intrinsic Value: Projected FCF of $25.24 as of Aug. 23, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Muncy Columbia Financial and its competitors. This is 2174% above median its historical median of 1.11. Over the past decade, Muncy Columbia Financial's Intrinsic Value: Projected FCF has ranged from 0.75 to 2.69. According to the industry distribution chart, Muncy Columbia Financial ranks #1138 out of 1308 companies in the Banks industry, placing it in the top 87%.
Is Muncy Columbia Financial's Intrinsic Value: Projected FCF too high?
Muncy Columbia Financial's current Intrinsic Value: Projected FCF of $25.24 is 2174% above median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 2.69. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Muncy Columbia Financial's value of $25.24 is 4178% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #1138 out of 1308 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to MYFW and BRBS?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #1138 out of 1308 companies for Intrinsic Value: Projected FCF. This places Muncy Columbia Financial in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Muncy Columbia Financial's value of $25.24 is 4178% above this benchmark. Historically, Muncy Columbia Financial's own Intrinsic Value: Projected FCF has ranged from 0.75 to 2.69 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,308 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Intrinsic Value: Projected FCF of $25.24 is 4178% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Intrinsic Value: Projected FCF is $25.24, which is 2174% above median its own 10-year median of 1.11. 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 $19.28, compared to a current price of $28.38 — trading 47.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is $25.24, which is 2174% above median its 10-year median of 1.11 and 4178% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Intrinsic Value: Projected FCF is $25.24 as of Aug. 23, 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 $28.38 is trading 47.2% above its estimated GF Value™ of $19.28.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Intrinsic Value: Projected FCF: $25.24 (2174% above median its 10-year median of 1.11)
GF Value™: $19.28 vs. price of $28.38 (47.2% above fair value)
Industry Position: 4178% above the Banks median (#1138 of 1308)
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
Get the complete analysis for CCFN
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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