CCFN (Muncy Columbia Financial) Margin of Safety % (DCF Earnings Based): 7.64% (As of Jun. 24, 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $27.31
GF Value $18.91
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial Margin of Safety % (DCF Earnings Based)?

Muncy Columbia Financial CCFN +0.18% 54 Margin of Safety % (DCF Earnings Based) is 7.64% as of Jun. 24, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Muncy Columbia Financial's Predictability Rank is 2-Stars. Muncy Columbia Financial's intrinsic value calculated from the Discounted Earnings model is $29.57 and current share price is $27.31. Consequently,

Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 7.64%.

CCFN vs NASB, TRUX, FVCB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) falls into.


CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Muncy Columbia Financial Margin of Safety % (DCF Earnings Based) Calculation

Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(29.57-27.31)/29.57
=7.64 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 7.64% mean?
Muncy Columbia Financial (CCFN) has a Margin of Safety % (DCF Earnings Based) of 7.64% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Muncy Columbia Financial.
Is Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) too high?
Muncy Columbia Financial's current Margin of Safety % (DCF Earnings Based) is 7.64%. 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 Margin of Safety % (DCF Earnings Based) compare to NASB and TRUX?
Muncy Columbia Financial's Margin of Safety % (DCF Earnings Based) of 7.64% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Muncy Columbia Financial. Muncy Columbia Financial's current Margin of Safety % (DCF Earnings Based) is 7.64%. 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 Margin of Safety % (DCF Earnings Based) is 7.64%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Margin of Safety % (DCF Earnings Based) is 7.64% 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:

  • Margin of Safety % (DCF Earnings Based): 7.64%
  • GF Value™: $18.91 vs. price of $27.31 (44.4% 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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.31
Price
$18.91
GF Value