arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

MUNCY COLUMBIA FINANCIAL Corp

CCFN

— Price unavailable

13 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

MUNCY COLUMBIA FINANCIAL Corp shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield —

Revenue Growth 16.6% ↘

Op. Margin 41.0% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.28

info Valuation on last close.

13-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$70.96M

↑ +16.6% —

Net Income Profit after all expenses

$24.23M

↑ +27.3% —

Operating Margin Operating profit as % of sales

41.0%

↑ +11.7% 94th

Long-Term Debt Long-term obligations

$40.58M

↓ -26.9% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$2.30 Latest / share

+30.7% YoY

+12.2% 8-yr CAGR

FY 2007

FY 2008

FY 2009

FY 2017

$1.03

FY 2018

$1.18

FY 2019

$1.24

FY 2020

$1.30

FY 2021

$1.67

FY 2022

$1.71

FY 2023

$1.76

FY 2024

$2.30

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Revenue Growth YoY (%)	16.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+177%)	100.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1571%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	-1.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	5.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	—	—	—	—	—	—
EPS Growth YoY (%)	28.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	257.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-67.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	6.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	27.3% Excellent ↓ Excellent Declining Year-over-year change in net income	461.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-64.4% Weak ↓ Weak Declining Year-over-year change in net income	33.0% Excellent ↑ Excellent Improving Year-over-year change in net income	5.6% Fair ↓ Fair Declining Year-over-year change in net income	7.5% Fair Fair Year-over-year change in net income	7.3% Fair Fair Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	35.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	32.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.7% Caution Caution Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	22.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	18.3% Excellent Excellent Compound annual revenue growth over 5 years	4.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	14.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	17.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-21.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.5% Excellent Excellent Compound annual EPS growth over 3 years	7.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Operating Margin (%) (%)	41.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	36.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	12.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	39.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	36.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	35.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	32.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	31.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	—	—	—	—
Effective Tax Rate (%) (%)	16.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	34.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	31.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	11.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	33.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	24.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	23.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	9.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	9.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Debt to Equity (x)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.74x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	1.64x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	2.00x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+67%)	0.91x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.87x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Revenue per Share (USD)	$20.08	$17.05	$13.33	$13.66	$11.89	$11.56	$11.74	$11.04	—	—	—	—	—
Basic EPS, GAAP (USD)	$6.85	$5.33	$1.49	$4.58	$3.25	$3.05	$2.82	$2.61	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$2.30	$1.76	$1.71	$1.67	$1.30	$1.24	$1.18	$1.03	—	—	—	—	—
Book Value per Share (USD)	$54.44	$47.11	$43.08	$41.34	$33.88	$32.10	$30.40	$28.89	—	—	—	—	—
Tangible Book Value per Share (USD)	$44.93	$37.01	$35.91	$37.52	$30.27	$28.54	$26.84	$28.89	—	—	—	—	—
Basic Weighted Avg Shares (shares)	3.53M	3.57M	2.28M	2.08M	2.20M	2.22M	2.23M	2.25M	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$40.58M	$55.54M	—	—	$4.11M	$6.12M	—	—	$1.00M	$32.00K	$32.00K	$29.00K	$72.00K
Total Equity (USD)	$192.54M	$166.41M	$153.82M	$85.94M	$74.54M	$71.42M	$67.85M	$65.09M	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Sales/Revenue/Turnover (USD)	$70.96M	$60.84M	$30.38M	$28.40M	$26.15M	$25.72M	$26.22M	$24.87M	—	—	—	—	—
Depreciation Expense (USD)	$1.50M	$1.51M	—	—	$726.00K	$801.00K	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$24.23M	$19.02M	$3.39M	$9.51M	$7.15M	$6.78M	$6.30M	$5.88M	—	—	—	—	—
Operating Cash Flow (USD)	$23.29M	$16.90M	$7.08M	$9.66M	$2.85M	$4.58M	$8.55M	$6.47M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2012 10-K ↗	FY 2020 Dec 31, 2011 10-K ↗	FY 2019 Dec 31, 2010 10-K ↗	FY 2018 Dec 31, 2009 10-K ↗	FY 2017 May 7, 2009 10-K ↗	FY 2009 Dec 13, 2000 10-K ↗	FY 2008 Aug 20, 1999 10-K ↗	FY 2007 Feb 23, 1999 10-K ↗	FY 2006 Jun 25, 1998 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	3.2%	1.4%	2.4%	3.2%	3.1%	3.3%	—	—	—	—	—	—
Efficiency Ratio (%) (%)	57.8%	61.9%	79.4%	67.1%	60.5%	61.5%	61.1%	64.0%	—	—	—	—	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 13 years · 36 quarters

MUNCY COLUMBIA FINANCIAL Corp

Analytical Summary

13-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare CCFN with peers