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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Muncy Columbia Financial Price-to-Tangible-Book Related Terms
Muncy Columbia Financial Price-to-Tangible-Book Historical Data
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The historical data trend for Muncy Columbia Financial's Price-to-Tangible-Book can be seen below:
* 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 Price-to-Tangible-Book Chart
CCFN vs CBNA, MYFW, CFFI: Price-to-Tangible-Book Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Muncy Columbia Financial (CCFN) has a Price-to-Tangible-Book of 1.91 as of Sep. 21, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Muncy Columbia Financial and its competitors. According to the industry distribution chart, Muncy Columbia Financial ranks #1244 out of 1493 companies in the Banks industry, placing it in the top 83.3%.
Is Muncy Columbia Financial's Price-to-Tangible-Book too high?
Muncy Columbia Financial's current Price-to-Tangible-Book is 1.91. The Banks industry median Price-to-Tangible-Book is 1.19. Muncy Columbia Financial's value of 1.91 is 60.5% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #1244 out of 1493 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 Price-to-Tangible-Book compare to CBNA and MYFW?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #1244 out of 1493 companies for Price-to-Tangible-Book. This places Muncy Columbia Financial in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.19. Muncy Columbia Financial's value of 1.91 is 60.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.19, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Price-to-Tangible-Book of 1.91 is 60.5% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Price-to-Tangible-Book is 1.91. 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 $19.48, compared to a current price of $29.84 — trading 53.2% above its estimated fair value. The current Price-to-Tangible-Book is 1.91 and 60.5% above the Banks industry median of 1.19. 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 Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Price-to-Tangible-Book is 1.91 as of Sep. 21, 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 $29.84 is trading 53.2% above its estimated GF Value™ of $19.48.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Price-to-Tangible-Book: 1.91
GF Value™: $19.48 vs. price of $29.84 (53.2% above fair value)
Industry Position: 60.5% above the Banks median (#1244 of 1493)
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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