Muncy Columbia FinancialCCFN 54 PS Ratio is 3.96 as of Jun. 27, 2026, which is 16% above its 10-year median of 3.41. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.93 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,515 Banks companies, Muncy Columbia Financial ranks worse than 71.22% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Muncy Columbia Financial's share price is $27.31.
Muncy Columbia Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $6.90. Hence, Muncy Columbia Financial's PS Ratio for today is 3.96.
Warning Sign:
Muncy Columbia Financial Corp stock PS Ratio (=3.96) is close to 5-year high of 4.21.
The historical rank and industry rank for Muncy Columbia Financial's PS Ratio or its related term are showing as below:
CCFN'
s PS Ratio Range Over the Past 10 Years
Min: 2.04 Med: 3.41 Max: 4.56
Current: 3.96
During the past 13 years, Muncy Columbia Financial's highest PS Ratio was 4.56. The lowest was 2.04. And the median was 3.41.
CCFN's PS Ratio is ranked worse than 71.22% of 1515
companies
in the Banks industry
Industry Median: 2.98
vs CCFN: 3.96
Muncy Columbia Financial Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Muncy Columbia Financial was 17.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 13.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 6.50% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.30% per year.
During the past 13 years, Muncy Columbia Financial's highest 3-Year average Revenue per Share Growth Rate was 108.20% per year. The lowest was -2.10% per year. And the median was 4.65% per year.
Back to Basics: PS Ratio
Muncy Columbia Financial (OTCPK:CCFN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Muncy Columbia Financial's Share Price of today is $27.31. Muncy Columbia Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.90.
* 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:
Muncy Columbia Financial (CCFN) has a PS Ratio of 3.96 as of Jun. 27, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Muncy Columbia Financial and its competitors. This is 16% above median its historical median of 3.41. Over the past decade, Muncy Columbia Financial's PS Ratio has ranged from 2.04 to 4.56. According to the industry distribution chart, Muncy Columbia Financial ranks #1079 out of 1515 companies in the Banks industry, placing it in the top 71.2%.
Is Muncy Columbia Financial's PS Ratio too high?
Muncy Columbia Financial's current PS Ratio of 3.96 is 16% above median its 10-year median of 3.41. Over the past 10 years, this metric has ranged from a low of 2.04 to a high of 4.56. The Banks industry median PS Ratio is 2.98. Muncy Columbia Financial's value of 3.96 is 32.9% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #1079 out of 1515 companies in the Banks industry, which is below 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 PS Ratio compare to NASB and TRUX?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #1079 out of 1515 companies for PS Ratio. This places Muncy Columbia Financial in the lower half of its industry. The industry median PS Ratio is 2.98. Muncy Columbia Financial's value of 3.96 is 32.9% above this benchmark. Historically, Muncy Columbia Financial's own PS Ratio has ranged from 2.04 to 4.56 over the past decade. While the company's 10-year median is 3.41 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current PS Ratio of 3.96 is 32.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current PS Ratio is 3.96, which is 16% above median its own 10-year median of 3.41. 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 $18.93, compared to a current price of $27.31 — trading 44.3% above its estimated fair value. The current PS Ratio is 3.96, which is 16% above median its 10-year median of 3.41 and 32.9% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current PS Ratio is 3.96 as of Jun. 27, 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 $18.93.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
PS Ratio: 3.96 (16% above median its 10-year median of 3.41)
GF Value™: $18.93 vs. price of $27.31 (44.3% above fair value)
Industry Position: 32.9% above the Banks median (#1079 of 1515)
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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