Muncy Columbia FinancialCCFN +0.18%54 PEG Ratio is 21.45 as of Jun. 25, 2026, which is 663% above its 10-year median of 2.81. 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 1,229 Banks companies, Muncy Columbia Financial ranks worse than 97.56% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Muncy Columbia Financial's PEG Ratio or its related term are showing as below:
CCFN'
s PEG Ratio Range Over the Past 10 Years
Min: 1.61 Med: 2.81 Max: 21.46
Current: 21.46
During the past 13 years, Muncy Columbia Financial's highest PEG Ratio was 21.46. The lowest was 1.61. And the median was 2.81.
CCFN's PEG Ratio is ranked worse than 97.56% of 1229
companies
in the Banks industry
Industry Median: 1.51
vs CCFN: 21.46
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Muncy Columbia Financial (OTCPK:CCFN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Muncy Columbia Financial PEG Ratio Related Terms
Muncy Columbia Financial PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Muncy Columbia Financial (CCFN) has a PEG Ratio of 21.45 as of Jun. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Muncy Columbia Financial and its competitors. This is 663% above median its historical median of 2.81. Over the past decade, Muncy Columbia Financial's PEG Ratio has ranged from 1.61 to 21.46. According to the industry distribution chart, Muncy Columbia Financial ranks #1199 out of 1229 companies in the Banks industry, placing it in the top 97.6%.
Is Muncy Columbia Financial's PEG Ratio too high?
Muncy Columbia Financial's current PEG Ratio of 21.45 is 663% above median its 10-year median of 2.81. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 21.46. The Banks industry median PEG Ratio is 1.51. Muncy Columbia Financial's value of 21.45 is 1320.5% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #1199 out of 1229 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 PEG Ratio compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #1199 out of 1229 companies for PEG Ratio. This places Muncy Columbia Financial in the lower half of its industry. The industry median PEG Ratio is 1.51. Muncy Columbia Financial's value of 21.45 is 1320.5% above this benchmark. Historically, Muncy Columbia Financial's own PEG Ratio has ranged from 1.61 to 21.46 over the past decade. While the company's 10-year median is 2.81 vs. the industry median of 1.51, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current PEG Ratio of 21.45 is 1320.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current PEG Ratio is 21.45, which is 663% above median its own 10-year median of 2.81. 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 PEG Ratio is 21.45, which is 663% above median its 10-year median of 2.81 and 1320.5% above the Banks industry median of 1.51. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current PEG Ratio is 21.45 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:
PEG Ratio: 21.45 (663% above median its 10-year median of 2.81)
GF Value™: $18.92 vs. price of $27.31 (44.3% above fair value)
Industry Position: 1320.5% above the Banks median (#1199 of 1229)
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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