CCYY (CCCB Bancorp) ROE % Adjusted to Book Value: 6.10% (As of Dec. 2025)


CCYY CCCB Bancorp Inc CCYY
47 GF Score
Price $9.95
GF Value $6.90
Valuation Significantly Overvalued
! 7 Warning Signs
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What is CCCB Bancorp ROE % Adjusted to Book Value?

CCCB Bancorp CCYY 47 ROE % Adjusted to Book Value is 6.10% as of Dec. 2025. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.90 (Significantly Overvalued). The stock has 7 warning signs investors should review.

CCCB Bancorp's ROE % for the quarter that ended in Dec. 2025 was 5.31%. CCCB Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 0.87. CCCB Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 6.10%.

CCCB Bancorp ROE % Adjusted to Book Value Related Terms

CCCB Bancorp ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for CCCB Bancorp's ROE % Adjusted to Book Value 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.

CCCB Bancorp ROE % Adjusted to Book Value Chart

CCCB Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 9.71 8.38 4.13 1.62 6.10

CCCB Bancorp Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial 9.71 8.38 4.13 1.62 6.10

CCYY vs TCNB, TDCB, FIDS: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, CCCB Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

CCCB Bancorp ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, CCCB Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where CCCB Bancorp's ROE % Adjusted to Book Value falls into.


CCYY
47GF Score
CCCB Bancorp Inc CCYY
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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CCCB Bancorp ROE % Adjusted to Book Value Calculation

CCCB Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.31% / 0.87
=6.10%

CCCB Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.31% / 0.87
=6.10%

* 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.

What does a ROE % Adjusted to Book Value of 6.10% mean?
CCCB Bancorp (CCYY) has a ROE % Adjusted to Book Value of 6.10% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CCCB Bancorp and its competitors.
Is CCCB Bancorp's ROE % Adjusted to Book Value too high?
CCCB Bancorp's current ROE % Adjusted to Book Value is 6.10%. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's ROE % Adjusted to Book Value compare to TCNB and TDCB?
CCCB Bancorp's ROE % Adjusted to Book Value of 6.10% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CCCB Bancorp and its competitors. CCCB Bancorp's current ROE % Adjusted to Book Value is 6.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.90, compared to a current price of $9.95 — trading 44.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 6.10%. CCCB Bancorp's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For CCCB Bancorp (CCYY), the current ROE % Adjusted to Book Value is 6.10% as of Dec. 2025. 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 CCCB Bancorp (CCYY) Overvalued in 2026?

Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued. The current stock price of $9.95 is trading 44.2% above its estimated GF Value™ of $6.90. GuruFocus considers CCCB Bancorp to be Significantly Overvalued.

Key valuation signals for CCYY:

  • ROE % Adjusted to Book Value: 6.10%
  • GF Value™: $6.90 vs. price of $9.95 (44.2% above fair value)
  • GF Score™: 47/100 with 7 warning signs

No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CCCB Bancorp Business Description

Address 333 West Main Street, Clarion, PA, USA, 16214
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.95
Price
$6.90
GF Value