Muncy Columbia FinancialCCFN 54 Return-on-Tangible-Equity is 18.02% as of Mar. 2026, which is 82% above its 10-year median of 9.90. GuruFocus rates CCFN with a GF Scoreâ„¢ of 54/100 and a GF Valueâ„¢ of $18.96 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Muncy Columbia Financial ranks better than 85.42% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Muncy Columbia Financial's annualized net income for the quarter that ended in Mar. 2026 was $28.62 Mil. Muncy Columbia Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $158.88 Mil. Therefore, Muncy Columbia Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.02%.
The historical rank and industry rank for Muncy Columbia Financial's Return-on-Tangible-Equity or its related term are showing as below:
CCFN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.49 Med: 9.9 Max: 18.12
Current: 18.12
During the past 13 years, Muncy Columbia Financial's highest Return-on-Tangible-Equity was 18.12%. The lowest was 3.49%. And the median was 9.90%.
CCFN's Return-on-Tangible-Equity is ranked better than 85.42% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs CCFN: 18.12
Muncy Columbia Financial (OTCPK:CCFN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Muncy Columbia Financial Return-on-Tangible-Equity Related Terms
Muncy Columbia Financial Return-on-Tangible-Equity Historical Data
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The historical data trend for Muncy Columbia Financial's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
CCFN vs WNEB, FNRN, EXSR: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.02% mean?
Muncy Columbia Financial (CCFN) has a Return-on-Tangible-Equity of 18.02% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Muncy Columbia Financial and its competitors. This is 82% above median its historical median of 9.90. Over the past decade, Muncy Columbia Financial's Return-on-Tangible-Equity has ranged from 3.49 to 18.12. According to the industry distribution chart, Muncy Columbia Financial ranks #222 out of 1523 companies in the Banks industry, placing it in the top 14.6%.
Is Muncy Columbia Financial's Return-on-Tangible-Equity too high?
Muncy Columbia Financial's current Return-on-Tangible-Equity of 18.02% is 82% above median its 10-year median of 9.90. Over the past 10 years, this metric has ranged from a low of 3.49 to a high of 18.12. The Banks industry median Return-on-Tangible-Equity is 11.20. Muncy Columbia Financial's value of 18.02% is 60.9% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #222 out of 1523 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 Return-on-Tangible-Equity compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #222 out of 1523 companies for Return-on-Tangible-Equity. This places Muncy Columbia Financial in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Muncy Columbia Financial's value of 18.02% is 60.9% above this benchmark. Historically, Muncy Columbia Financial's own Return-on-Tangible-Equity has ranged from 3.49 to 18.12 over the past decade. While the company's 10-year median is 9.90 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Return-on-Tangible-Equity of 18.02% is 60.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Return-on-Tangible-Equity is 18.02%, which is 82% above median its own 10-year median of 9.90. 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 $18.96, compared to a current price of $27.60 — trading 45.6% above its estimated fair value. The current Return-on-Tangible-Equity is 18.02%, which is 82% above median its 10-year median of 9.90 and 60.9% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Return-on-Tangible-Equity is 18.02% 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 $27.60 is trading 45.6% above its estimated GF Value™ of $18.96.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Return-on-Tangible-Equity: 18.02% (82% above median its 10-year median of 9.90)
GF Value™: $18.96 vs. price of $27.60 (45.6% above fair value)
Industry Position: 60.9% above the Banks median (#222 of 1523)
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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