CCFN - MUNCY COLUMBIA FINANCIAL Corp

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Revenue Growth YoY (%)	16.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+168%)	—	19.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+229%)	15.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+156%)	12.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+113%)	—	141.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2259%)	123.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1955%)	111.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1765%)	—	5.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	—	-8.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-241%)	-10.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-281%)	-3.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-150%)	—	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	-4.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	-0.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	—	-8.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-237%)	6.5% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	—	—	—	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	64.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	33.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	23.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	153.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	85.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-27.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	62.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-22.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	9.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	3.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	13.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	22.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-3.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	64.7% Excellent ↑ Excellent Improving Year-over-year change in net income	41.5% Excellent ↑ Excellent Improving Year-over-year change in net income	32.9% Excellent ↑ Excellent Improving Year-over-year change in net income	22.5% Good ↓ Good Declining Year-over-year change in net income	7.7% Fair ↓ Fair Declining Year-over-year change in net income	N/M	331.8% Excellent ↑ Excellent Improving Year-over-year change in net income	222.0% Excellent ↑ Excellent Improving Year-over-year change in net income	108.0% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-30.3% Weak ↓ Weak Declining Year-over-year change in net income	-0.8% Weak ↓ Weak Declining Year-over-year change in net income	14.3% Fair ↑ Fair Improving Year-over-year change in net income	53.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.8% Weak ↑ Weak Improving Year-over-year change in net income	-21.6% Weak ↓ Weak Declining Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	-0.4% Weak ↓ Weak Declining Year-over-year change in net income	8.4% Fair ↓ Fair Declining Year-over-year change in net income	2.1% Caution ↓ Caution Declining Year-over-year change in net income	12.9% Fair ↑ Fair Improving Year-over-year change in net income	19.8% Good ↑ Good Improving Year-over-year change in net income	-3.4% Weak Weak Year-over-year change in net income	10.8% 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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	40.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	45.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	42.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	38.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	32.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	31.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	-3.7% Weak Weak Compound annual revenue growth over 3 years	-3.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	24.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	24.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	19.9% Excellent → Excellent Stable Compound annual revenue growth over 5 years	20.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	18.0% Excellent Excellent Compound annual revenue growth over 5 years	18.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	29.5% Excellent → Excellent Stable Compound annual EPS growth over 3 years	18.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	35.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	24.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	—	-8.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	25.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	0.4% Caution Caution Compound annual EPS growth over 3 years	-3.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Operating Margin (%) (%)	45.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	—	43.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	40.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	31.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	—	38.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	37.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	32.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—	20.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	26.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	35.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	32.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	36.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	35.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	38.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	—	35.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	35.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	33.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	—	33.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↑ Good Improving 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%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	37.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	—	36.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	26.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	32.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	18.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	—	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	25.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	27.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	—	26.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	28.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	28.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	26.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	25.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	—	24.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	25.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	—	—	—	—	—	—	—
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	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	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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	—	—	—	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	—	—	2.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	—	—	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Debt to Equity (x)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.28x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.74x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.43x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.57x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.81x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	1.64x Weak Weak 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%)	1.25x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.88x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-26%)	0.86x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	0.91x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.98x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.74x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.82x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	—	—	—	0.85x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	—	—	—	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	—	—	—	—	—
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	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	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	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	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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Revenue per Share (USD)	$5.35	—	$5.25	$4.82	$4.62	—	$4.33	$4.14	$4.05	—	$3.08	$3.18	$3.28	—	$0.00	$2.70	$2.83	—	$3.01	$3.00	$2.88	—	$2.79	$3.09	$2.87	—	$3.04	$0.00	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$2.02	$2.09	$1.90	$1.63	$1.23	$1.47	$1.42	$1.32	$1.13	$-0.71	$0.56	$0.71	$0.93	$1.25	$0.77	$0.67	$0.78	$0.77	$0.80	$0.86	$0.82	$0.77	$0.73	$0.83	$0.72	$0.63	$0.76	$0.74	—	—	—	—	—	—	—
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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.46	—	$0.45	$0.95	$0.45	—	$0.44	$0.44	$0.44	—	$0.43	$0.43	$0.42	—	$0.34	$0.34	$0.33	—	$0.33	$0.33	$0.31	—	$0.31	$0.31	$0.31	—	$0.30	$0.29	—	—	—	—	—	—	—
Book Value per Share (USD)	$54.29	$54.44	$52.17	$49.87	$48.50	$47.11	$47.35	$44.11	$43.35	$43.08	—	—	—	$41.34	$0.03	$34.27	$34.43	—	$33.87	$33.23	$32.72	—	—	—	$30.79	—	—	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$47.05	$44.93	$44.93	$42.62	$41.25	$37.01	$40.19	$36.94	$36.18	$35.91	—	—	—	$37.52	$0.03	$30.63	$30.80	—	$30.26	$29.63	$29.12	—	—	—	$27.22	—	—	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	3.54M	—	3.54M	3.53M	3.53M	—	3.57M	3.57M	3.57M	—	2.08M	2.08M	2.08M	—	2.18B	2.18M	2.18M	—	2.20M	2.20M	2.21M	—	2.23M	2.23M	2.23M	—	2.23M	2.23B	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$40.65M	$40.58M	$40.52M	$45.45M	—	$55.54M	—	—	—	—	—	—	—	—	—	—	—	$4.11M	—	—	—	—	—	—	—	—	—	—	—	$1.00M	$1.00M	$32.00K	$32.00K	$29.00K	$72.00K
Total Equity (USD)	$192.06M	$192.54M	$184.49M	$176.28M	$171.40M	$166.41M	$169.30M	$157.64M	$154.86M	$153.82M	—	—	—	$85.94M	$74.77M	$74.73M	$75.23M	$74.54M	$74.42M	$73.18M	$72.21M	$71.42M	—	—	$68.54M	$67.85M	—	—	$65.09M	$65.09M	—	—	—	—	—

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Sales/Revenue/Turnover (USD)	$18.93M	—	$18.54M	$17.05M	$16.31M	—	$15.49M	$14.78M	$14.47M	—	$6.41M	$6.62M	$6.83M	—	$6.05M	$5.88M	$6.17M	—	$6.61M	$6.60M	$6.37M	—	$6.21M	$6.88M	$6.39M	—	$6.77M	$6.46M	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$7.16M	$7.39M	$6.72M	$5.77M	$4.34M	$5.22M	$5.06M	$4.71M	$4.04M	$-1.19M	$1.17M	$1.46M	$1.94M	$2.60M	$1.68M	$1.47M	$1.70M	$1.69M	$1.76M	$1.88M	$1.82M	$1.70M	$1.63M	$1.84M	$1.61M	$1.42M	$1.69M	$1.66M	—	—	—	—	—	—	—
Operating Cash Flow (USD)	$16.60M	$5.87M	$7.57M	$5.14M	$4.70M	$4.51M	—	—	$3.88M	$1.11M	$904.00K	$1.20M	$3.87M	$1.79M	—	—	$9.97M	—	—	—	$3.73M	—	$1.92M	$2.55M	$946.00K	$2.13M	$3.11M	—	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2013 10-Q ↗	Q2 FY2022 Jun 30, 2013 10-Q ↗	Q1 FY2022 Mar 31, 2013 10-Q ↗	Q4 FY2021 Dec 31, 2012 10-K ↗	Q3 FY2021 Sep 30, 2012 10-Q ↗	Q2 FY2021 Jun 30, 2012 10-Q ↗	Q1 FY2021 Mar 31, 2012 10-Q ↗	Q4 FY2020 Dec 31, 2011 10-K ↗	Q3 FY2020 Sep 30, 2011 10-Q ↗	Q2 FY2020 Jun 30, 2011 10-Q ↗	Q1 FY2020 Dec 31, 2011 10-Q ↗	Q4 FY2019 Dec 31, 2010 10-K ↗	Q3 FY2019 Sep 30, 2010 10-Q ↗	Q2 FY2019 Jun 30, 2010 10-Q ↗	Q1 FY2019 Dec 31, 2010 10-Q ↗	Q4 FY2018 Dec 31, 2009 10-K ↗	Q4 FY2017 May 7, 2009 10-K ↗	Q4 FY2009 Dec 13, 2000 10-K ↗	Q4 FY2008 Aug 20, 1999 10-K ↗	Q4 FY2007 Feb 23, 1999 10-K ↗	Q4 FY2006 Jun 25, 1998 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.9%	3.8%	3.7%	3.5%	3.4%	3.2%	3.1%	3.0%	2.0%	—	—	—	2.3%	2.9%	2.8%	2.9%	3.1%	3.0%	3.2%	3.0%	—	—	—	3.2%	—	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	53.9%	—	53.8%	57.8%	68.0%	—	60.5%	62.2%	66.7%	—	82.2%	73.4%	70.6%	—	63.1%	66.9%	63.1%	—	60.1%	61.4%	61.4%	—	64.1%	59.4%	64.9%	—	61.0%	62.1%	—	—	—	—	—	—	—

MUNCY COLUMBIA FINANCIAL Corp

Analytical Summary

35-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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