Muncy Columbia FinancialCCFN +0.18%54 PB Ratio is 1.51 as of Jun. 24, 2026, which is 45% above its 10-year median of 1.04. 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 1,516 Banks companies, Muncy Columbia Financial ranks worse than 78.43% on this metric.
Muncy Columbia Financial Corp stock PB Ratio (=1.51) is close to 10-year high of 1.53.
The historical rank and industry rank for Muncy Columbia Financial's PB Ratio or its related term are showing as below:
CCFN'
s PB Ratio Range Over the Past 10 Years
Min: 0.67 Med: 1.04 Max: 1.53
Current: 1.51
During the past 13 years, Muncy Columbia Financial's highest PB Ratio was 1.53. The lowest was 0.67. And the median was 1.04.
CCFN's PB Ratio is ranked worse than 78.43% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs CCFN: 1.51
During the past 12 months, Muncy Columbia Financial's average Book Value Per Share Growth Rate was 11.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Muncy Columbia Financial was 9.60% per year. The lowest was -5.40% per year. And the median was 4.80% per year.
Back to Basics: PB Ratio
Muncy Columbia Financial (OTCPK:CCFN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Muncy Columbia Financial (CCFN) has a PB Ratio of 1.51 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Muncy Columbia Financial and its competitors. This is 45% above median its historical median of 1.04. Over the past decade, Muncy Columbia Financial's PB Ratio has ranged from 0.67 to 1.53. According to the industry distribution chart, Muncy Columbia Financial ranks #1189 out of 1516 companies in the Banks industry, placing it in the top 78.4%.
Is Muncy Columbia Financial's PB Ratio too high?
Muncy Columbia Financial's current PB Ratio of 1.51 is 45% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.53. The Banks industry median PB Ratio is 1.08. Muncy Columbia Financial's value of 1.51 is 39.8% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #1189 out of 1516 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 PB Ratio compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #1189 out of 1516 companies for PB Ratio. This places Muncy Columbia Financial in the lower half of its industry. The industry median PB Ratio is 1.08. Muncy Columbia Financial's value of 1.51 is 39.8% above this benchmark. Historically, Muncy Columbia Financial's own PB Ratio has ranged from 0.67 to 1.53 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current PB Ratio of 1.51 is 39.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current PB Ratio is 1.51, which is 45% above median its own 10-year median of 1.04. 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 PB Ratio is 1.51, which is 45% above median its 10-year median of 1.04 and 39.8% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current PB Ratio is 1.51 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:
PB Ratio: 1.51 (45% above median its 10-year median of 1.04)
GF Value™: $18.91 vs. price of $27.31 (44.4% above fair value)
Industry Position: 39.8% above the Banks median (#1189 of 1516)
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
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