CCFN (Muncy Columbia Financial) Moat Score: 3/10 (As of Jun. 25, 2026)


CCFN Muncy Columbia Financial Corp CCFN
54 GF Score
Price $27.31
GF Value $18.92
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Muncy Columbia Financial Moat Score?

Muncy Columbia Financial CCFN +0.18% 54 Moat Score is 3 as of Jun. 25, 2026. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.92 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Muncy Columbia Financial ranks better than 74.39% on this metric.

Muncy Columbia Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Muncy Columbia Financial has No Moat: Muncy Columbia Financial Corp has very weak competitive advantages. It operates in a highly competitive financial sector with no significant market share, brand strength, or cost advantages. The company lacks the differentiation needed for a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Muncy Columbia Financial might have No Moat - Very weak/transient advantages.

Muncy Columbia Financial  (OTCPK:CCFN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Muncy Columbia Financial Moat Score Related Terms

CCFN vs NASB, TRUX, FVCB: Moat Score Comparison

For the Banks - Regional subindustry, Muncy Columbia Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Muncy Columbia Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Muncy Columbia Financial's Moat Score falls into.


CCFN
54GF Score
Muncy Columbia Financial Corp CCFN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Muncy Columbia Financial (CCFN) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Muncy Columbia Financial ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Muncy Columbia Financial's Moat Score too high?
Muncy Columbia Financial's current Moat Score is 3. Based on the distribution chart, Muncy Columbia Financial ranks #412 out of 1609 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 Moat Score compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #412 out of 1609 companies for Moat Score. This puts Muncy Columbia Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Muncy Columbia Financial's current Moat Score is 3. 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 $18.92, compared to a current price of $27.31 — trading 44.3% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Moat Score is 3 as of Jun. 25, 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 $18.92. GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.

Key valuation signals for CCFN:

  • Moat Score: 3
  • GF Value™: $18.92 vs. price of $27.31 (44.3% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.31
Price
$18.92
GF Value