Muncy Columbia FinancialCCFN 54 5-Year Yield-on-Cost % is 2.49 as of Jul. 02, 2026, which is 35% below its 10-year median of 3.85. GuruFocus rates CCFN with a GF Score™ of 54/100 and a GF Value™ of $18.96 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,252 Banks companies, Muncy Columbia Financial ranks worse than 73.88% on this metric.
The historical rank and industry rank for Muncy Columbia Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
CCFN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.47 Med: 3.85 Max: 6.66
Current: 2.49
During the past 13 years, Muncy Columbia Financial's highest Yield on Cost was 6.66. The lowest was 2.47. And the median was 3.85.
CCFN's 5-Year Yield-on-Cost % is ranked worse than 73.88% of 1252
companies
in the Banks industry
Industry Median: 3.91
vs CCFN: 2.49
Muncy Columbia Financial (OTCPK:CCFN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Muncy Columbia Financial 5-Year Yield-on-Cost % Related Terms
CCFN vs WNEB, FNRN, EXSR: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Muncy Columbia Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Muncy Columbia Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Muncy Columbia Financial's 5-Year Yield-on-Cost % falls into.
Muncy Columbia Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Muncy Columbia Financial (CCFN) has a 5-Year Yield-on-Cost % of 2.49 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Muncy Columbia Financial and its competitors. This is 35% below median its historical median of 3.85. Over the past decade, Muncy Columbia Financial's 5-Year Yield-on-Cost % has ranged from 2.47 to 6.66. According to the industry distribution chart, Muncy Columbia Financial ranks #925 out of 1252 companies in the Banks industry, placing it in the top 73.9%.
Is Muncy Columbia Financial's 5-Year Yield-on-Cost % too high?
Muncy Columbia Financial's current 5-Year Yield-on-Cost % of 2.49 is 35% below median its 10-year median of 3.85. Over the past 10 years, this metric has ranged from a low of 2.47 to a high of 6.66. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Muncy Columbia Financial's value of 2.49 is 36.3% below this industry median. Based on the distribution chart, Muncy Columbia Financial ranks #925 out of 1252 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 5-Year Yield-on-Cost % compare to WNEB and FNRN?
According to the Banks industry distribution chart, Muncy Columbia Financial ranks #925 out of 1252 companies for 5-Year Yield-on-Cost %. This places Muncy Columbia Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Muncy Columbia Financial's value of 2.49 is 36.3% below this benchmark. Historically, Muncy Columbia Financial's own 5-Year Yield-on-Cost % has ranged from 2.47 to 6.66 over the past decade. While the company's 10-year median is 3.85 vs. the industry median of 3.91, Muncy Columbia Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muncy Columbia Financial's current 5-Year Yield-on-Cost % of 2.49 is 36.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Muncy Columbia Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muncy Columbia Financial's current 5-Year Yield-on-Cost % is 2.49, which is 35% below median its own 10-year median of 3.85. 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 5-Year Yield-on-Cost % is 2.49, which is 35% below median its 10-year median of 3.85 and 36.3% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Muncy Columbia Financial (CCFN), the current 5-Year Yield-on-Cost % is 2.49 as of Jul. 02, 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:
5-Year Yield-on-Cost %: 2.49 (35% below median its 10-year median of 3.85)
GF Value™: $18.96 vs. price of $27.60 (45.6% above fair value)
Industry Position: 36.3% below the Banks median (#925 of 1252)
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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