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Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking products and services in Pennsylvania. It offers deposit accounts, including time and demand deposit, checking, money market, interest checking, individual retirement, and repo sweep, as well as statement savings and certificates of deposit; and lending products, such as commercial, consumer, and mortgage loans. The company also provides trust services comprising administration of various estates, pension plans, self-directed IRA's, and other services; and financial services, which include brokerage, stocks, bonds, and other non-insured financial products. It serves individuals and small to medium-sized businesses. The company was formerly known as CCFNB Bancorp, Inc. and changed its name to Muncy Columbia Financial Corporation in November 2023. Muncy Columbia Financial Corporation was founded in 1926 and is headquartered in Bloomsburg, Pennsylvania.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 29.10M | 22.34M | 3.75M | - | - |
| Net income | 24.23M | 19.02M | 3.39M | - | - |
| Selling general administrative | 23.29M | 20.61M | 12.42M | - | - |
| Reconciled depreciation | 3.52M | 3.72M | 0.97M | - | - |
| Other operating expenses | - | - | - | 3.11M | 3.43M |
| Interest expense | 27.42M | 31.28M | 15.09M | - | 0.00M |
| Tax provision | 4.88M | 3.32M | 0.36M | - | - |
| Interest income | 87.39M | 80.94M | 38.03M | - | - |
| Net interest income | 59.97M | 49.66M | 22.94M | - | - |
| Income tax expense | - | - | - | 1.63M | 2.35M |
| Total revenue | 70.96M | 60.84M | 30.38M | - | - |
| Net income from continuing ops | 24.23M | 19.02M | 3.39M | - | - |
| Net income applicable to common shares | - | - | - | 9.51M | 9.40M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1673.20M | 1595.96M | 1639.78M | - | - |
| Intangible assets | 8.04M | 10.05M | 11.89M | - | - |
| Other current assets | - | - | - | 6.79M | 5.42M |
| Total liab | 1480.66M | 1429.55M | 1485.95M | - | - |
| Total stockholder equity | 192.54M | 166.41M | 153.82M | - | - |
| Common stock | - | - | - | 2.93M | 2.93M |
| Capital stock | 4.81M | 4.80M | 4.79M | - | - |
| Retained earnings | 119.36M | 103.27M | 90.51M | 90.16M | 84.11M |
| Other liab | - | - | - | 3.50M | 3.01M |
| Good will | 25.61M | 25.61M | 25.61M | - | - |
| Other assets | - | - | - | 553.04M | 483.12M |
| Cash | 48.54M | 17.38M | 19.36M | - | - |
| Total current liabilities | - | - | - | 854.29M | 844.42M |
| Net debt | - | 56.74M | 114.09M | - | - |
| Short long term debt | 0.00M | 18.58M | 63.00M | - | - |
| Other stockholder equity | - | - | - | -27.38M | -2.88M |
| Property plant equipment | - | - | - | 12.81M | 13.79M |
| Total current assets | - | - | - | 19.87M | 102.97M |
| Long term investments | 164.22M | 153.68M | 420.43M | - | - |
| Net tangible assets | - | - | - | 78.00M | 96.41M |
| Short term investments | 158.46M | 147.23M | 413.30M | - | - |
| Net receivables | 5.06M | 4.85M | 5.36M | - | - |
| Long term debt | 40.58M | 55.54M | 70.45M | - | - |
| Accounts payable | 1.64M | 1.86M | 2.36M | 682.33M | 701.50M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 9.44M | 92.13M | 9.10M | -38.77M | -134.66M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | - | - | - | -100.55M | -119.24M |
| Net borrowings | -71.16M | -199.36M | 45.72M | 29.02M | 31.12M |
| Total cash from financing activities | 40.92M | -66.38M | -10.89M | 6.43M | 92.84M |
| Change to operating activities | - | - | - | -0.02M | -0.08M |
| Net income | 24.23M | 19.02M | 3.39M | 9.51M | 9.40M |
| Change in cash | 31.16M | -1.00M | 5.29M | -84.46M | -11.80M |
| Begin period cash flow | 17.38M | 18.38M | 13.08M | - | - |
| End period cash flow | 48.54M | 17.38M | 18.38M | - | - |
| Total cash from operating activities | 23.29M | 16.90M | 7.08M | 9.66M | 14.59M |
| Issuance of capital stock | 0.16M | 0.19M | 0.08M | - | - |
| Depreciation | 3.52M | 3.72M | 0.97M | 0.71M | 0.73M |
| Other cashflows from investing activities | - | - | - | -0.99M | 0.36M |
| Dividends paid | -8.13M | -6.27M | 3.56M | -3.47M | -6.50M |
| Change to account receivables | 1.03M | 1.48M | -0.87M | - | - |
| Sale purchase of stock | 0.00M | -1.52M | 0.00M | - | - |
| Other cashflows from financing activities | - | - | - | -19.17M | 68.15M |
| Change to netincome | - | - | - | 0.18M | 4.08M |
| Capital expenditures | 1.41M | 0.76M | 0.97M | 0.30M | 0.28M |
| Change in working capital | 2.59M | 2.30M | -0.58M | - | - |
| Other non cash items | -8.92M | -12.11M | 0.27M | - | - |
| Free cash flow | 21.87M | 16.14M | 6.11M | - | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CCFN Muncy Columbia Financial Corporation |
0.11 0.38% |
29.20 | 11.19 | 47.85 | 4.25 | 1.56 | 4.33 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking products and services in Pennsylvania. It offers deposit accounts, including time and demand deposit, checking, money market, interest checking, individual retirement, and repo sweep, as well as statement savings and certificates of deposit; and lending products, such as commercial, consumer, and mortgage loans. The company also provides trust services comprising administration of various estates, pension plans, self-directed IRA's, and other services; and financial services, which include brokerage, stocks, bonds, and other non-insured financial products. It serves individuals and small to medium-sized businesses. The company was formerly known as CCFNB Bancorp, Inc. and changed its name to Muncy Columbia Financial Corporation in November 2023. Muncy Columbia Financial Corporation was founded in 1926 and is headquartered in Bloomsburg, Pennsylvania.
1199 Lightstreet Road, Bloomsburg, PA, United States, 17815
570 784 4400
253
| Name | Title | Year Born |
|---|---|---|
| Mr. Lance O. Diehl | Pres, CEO & Director | 1966 |
| Mr. Jeffrey Thomas Arnold CPA, CGMA, CIA, CPA | Exec. VP, Assistant Sec., Treasurer & CFO | NA |
| Matthew Beagle | Chief Wealth Management Officer and Sr. VP of First Columbia Bank & Trust Co | NA |
| Mr. Jeffery A. Whitenight | Exec. VP of Branch Admin. - First Columbia Bank & Trust Co | NA |
| Ms. Susan S. Hackett | Sec. & Assistant VP | NA |
| Ms. Nancy R. Diehl | VP & Sec. | NA |
| Ms. Virginia D. Kocher | VP and Regulatory Financial Reporting Officer - First Columbia Bank & Trust Co | 1948 |
| Mr. Lance O. Diehl | President, CEO & Director | 1966 |
| Mr. Joseph K. O'Neil Jr., CPA | EVP & CFO | 1984 |
| Mr. Jeffrey Thomas Arnold CPA, CGMA, CIA | Senior Executive VP & Treasurer | 1967 |
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