CCFN (Muncy Columbia Financial) Long-Term Debt: $40.65 Mil (As of Mar. 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $27.60
GF Value $18.96
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial Long-Term Debt?

Muncy Columbia Financial CCFN 54 Long-Term Debt is $40.65 Mil as of Mar. 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.96 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Muncy Columbia Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $40.65 Mil.

Muncy Columbia Financial's quarterly Long-Term Debt increased from Sep. 2025 ($40.52 Mil) to Dec. 2025 ($40.58 Mil) and increased from Dec. 2025 ($40.58 Mil) to Mar. 2026 ($40.65 Mil).

Muncy Columbia Financial's annual Long-Term Debt declined from Dec. 2023 ($70.45 Mil) to Dec. 2024 ($55.54 Mil) and declined from Dec. 2024 ($55.54 Mil) to Dec. 2025 ($40.58 Mil).

Muncy Columbia Financial  (OTCPK:CCFN) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Muncy Columbia Financial Long-Term Debt Related Terms

Muncy Columbia Financial Long-Term Debt Historical Data

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The historical data trend for Muncy Columbia Financial's Long-Term Debt 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 Long-Term Debt Chart

Muncy Columbia Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.02 70.45 55.54 40.58

Muncy Columbia Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 50.38 45.45 40.52 40.58 40.65
CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $40.65 Mil mean?
Muncy Columbia Financial (CCFN) has a Long-Term Debt of $40.65 Mil as of Mar. 2026.
Is Muncy Columbia Financial's Long-Term Debt too high?
Muncy Columbia Financial's current Long-Term Debt is $40.65 Mil. 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 Long-Term Debt compare to WNEB and FNRN?
Muncy Columbia Financial's Long-Term Debt of $40.65 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Muncy Columbia Financial's current Long-Term Debt is $40.65 Mil. 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 $18.96, compared to a current price of $27.60 — trading 45.6% above its estimated fair value. The current Long-Term Debt is $40.65 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Long-Term Debt is $40.65 Mil 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 $27.60 is trading 45.6% above its estimated GF Value™ of $18.96. GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.

Key valuation signals for CCFN:

  • Long-Term Debt: $40.65 Mil
  • GF Value™: $18.96 vs. price of $27.60 (45.6% above fair value)
  • GF Score™: 54/100 with 6 warning signs

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 Business Description

Address 1199 Lightstreet Road, Bloomsburg, PA, USA, 17815
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.60
Price
$18.96
GF Value