Muncy Columbia FinancialCCFN +0.18%54 Net Margin % is 38.73% as of Mar. 2026, which is 24% above its 10-year median of 31.11. 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. Among 1,527 Banks companies, Muncy Columbia Financial ranks better than 78.98% on this metric.
The historical rank and industry rank for Muncy Columbia Financial's Net Margin % or its related term are showing as below:
CCFN'
s Net Margin % Range Over the Past 10 Years
Min: 11.15 Med: 31.11 Max: 36.97
Current: 36.97
CCFN's Net Margin % is ranked better than 78.98% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CCFN: 36.97
Muncy Columbia Financial (OTCPK:CCFN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Muncy Columbia Financial Net Margin % Related Terms
Muncy Columbia Financial Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Muncy Columbia Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Net Margin % falls into.
* 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 (CCFN) has a Net Margin % of 38.73% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Muncy Columbia Financial and its competitors. This is 24% above median its historical median of 31.11. Over the past decade, Muncy Columbia Financial's Net Margin % has ranged from 11.15 to 36.97. According to the industry distribution chart, Muncy Columbia Financial ranks #321 out of 1527 companies in the Banks industry, placing it in the top 21%.
Is Muncy Columbia Financial's Net Margin % too high?
Muncy Columbia Financial's current Net Margin % of 38.73% is 24% above median its 10-year median of 31.11. Over the past 10 years, this metric has ranged from a low of 11.15 to a high of 36.97. The Banks industry median Net Margin % is 26.95. Muncy Columbia Financial's value of 38.73% is 43.7% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #321 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position 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 Net Margin % compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #321 out of 1527 companies for Net Margin %. This places Muncy Columbia Financial in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Muncy Columbia Financial's value of 38.73% is 43.7% above this benchmark. Historically, Muncy Columbia Financial's own Net Margin % has ranged from 11.15 to 36.97 over the past decade. While the company's 10-year median is 31.11 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Net Margin % of 38.73% is 43.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Net Margin % is 38.73%, which is 24% above median its own 10-year median of 31.11. 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 $18.91, compared to a current price of $27.31 — trading 44.4% above its estimated fair value. The current Net Margin % is 38.73%, which is 24% above median its 10-year median of 31.11 and 43.7% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Net Margin % is 38.73% 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 $27.31 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:
Net Margin %: 38.73% (24% above median its 10-year median of 31.11)
GF Value™: $18.91 vs. price of $27.31 (44.4% above fair value)
Industry Position: 43.7% above the Banks median (#321 of 1527)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCFN has been successfully added to your 
