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Muncy Columbia FinancialCCFN -0.49%56 Shiller PE Ratio is 16.28 as of Aug. 13, 2026, which is 36% above its 10-year median of 11.95. GuruFocus rates CCFN with a GF Score™ of 56/100 and a GF Value™ of $19.21 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,241 Banks companies, Muncy Columbia Financial ranks worse than 63.5% on this metric.
The historical rank and industry rank for Muncy Columbia Financial's Shiller PE Ratio or its related term are showing as below:
CCFN'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.67 Med: 11.95 Max: 17.56
Current: 16.27
During the past years, Muncy Columbia Financial's highest Shiller PE Ratio was 17.56. The lowest was 6.67. And the median was 11.95.
CCFN's Shiller PE Ratio is ranked worse than 63.5% of 1241
companies
in the Banks industry
Industry Median: 13.96
vs CCFN: 16.27
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Muncy Columbia Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.670. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.76 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Muncy Columbia Financial (OTCPK:CCFN) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Muncy Columbia Financial Shiller PE Ratio Related Terms
Muncy Columbia Financial Shiller PE 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.
CCFN vs MYFW, BRBS, NASB: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's Shiller PE Ratio falls into.
Muncy Columbia Financial Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Muncy Columbia Financial (CCFN) has a Shiller PE Ratio of 16.28 as of Aug. 13, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Muncy Columbia Financial and its competitors. This is 36% above median its historical median of 11.95. Over the past decade, Muncy Columbia Financial's Shiller PE Ratio has ranged from 6.67 to 17.56. According to the industry distribution chart, Muncy Columbia Financial ranks #788 out of 1241 companies in the Banks industry, placing it in the top 63.5%.
Is Muncy Columbia Financial's Shiller PE Ratio too high?
Muncy Columbia Financial's current Shiller PE Ratio of 16.28 is 36% above median its 10-year median of 11.95. Over the past 10 years, this metric has ranged from a low of 6.67 to a high of 17.56. The Banks industry median Shiller PE Ratio is 13.96. Muncy Columbia Financial's value of 16.28 is 16.6% above this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #788 out of 1241 companies in the Banks industry, which is below the industry midpoint. Overall, Muncy Columbia Financial has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muncy Columbia Financial's Shiller PE Ratio compare to MYFW and BRBS?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #788 out of 1241 companies for Shiller PE Ratio. This places Muncy Columbia Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.96. Muncy Columbia Financial's value of 16.28 is 16.6% above this benchmark. Historically, Muncy Columbia Financial's own Shiller PE Ratio has ranged from 6.67 to 17.56 over the past decade. While the company's 10-year median is 11.95 vs. the industry median of 13.96, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.96, based on 1,241 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current Shiller PE Ratio of 16.28 is 16.6% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current Shiller PE Ratio is 16.28, which is 36% above median its own 10-year median of 11.95. 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 $19.21, compared to a current price of $28.65 — trading 49.1% above its estimated fair value. The current Shiller PE Ratio is 16.28, which is 36% above median its 10-year median of 11.95 and 16.6% above the Banks industry median of 13.96. Muncy Columbia Financial's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current Shiller PE Ratio is 16.28 as of Aug. 13, 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 $28.65 is trading 49.1% above its estimated GF Value™ of $19.21.
GuruFocus considers Muncy Columbia Financial to be Significantly Overvalued.
Key valuation signals for CCFN:
Shiller PE Ratio: 16.28 (36% above median its 10-year median of 11.95)
GF Value™: $19.21 vs. price of $28.65 (49.1% above fair value)
Industry Position: 16.6% above the Banks median (#788 of 1241)
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.
56GF Score
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