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Muncy Columbia Financial Corporation (CCFN)

USD28.51 -0.48 (-1.66%)
US OTC Financial Services Banks - Regional
Address 232 East Street 17815
Bloomsburg, PA, US
CEO Lance O. Diehl
IPO 1994-04-29
CIK 731122 ISIN US1248801052

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Description

Muncy Columbia Financial Corporation, a registered financial holding company based in Bloomsburg, Pennsylvania, was formerly known as CCFNB Bancorp, Inc. It owns and operates Journey Bank, its single subsidiary, which itself was previously called First Columbia Bank & Trust Co. As a comprehensive community commercial bank, Journey Bank offers a full suite of services across its operational region, encompassing Clinton, Columbia, Lycoming, Montour, and Northumberland counties.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD28.51 -0.48 (-1.66%)
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Volume Profile
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Liquidity & share structure
Average Volume
4.2K
Beta
0.12
Float Shares
9.61M
Free Float %
90.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.51% +0.70% +12.17% +33.61% +55.64% +45.01% +85.34% +114.60% +85.60% +108.67% +410.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
28.51
DCF (Unlevered) 81.84 +187.1%
DCF (Levered) 94.26 +230.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.34
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +6.8% Q1'26: +9.0% (vs Q1'25)
  • EPS growth
    +28.3% Q1'26: +63.4% (vs Q1'25)
  • FCF margin
    Q1'26: +65.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +34.1% (vs Q1'25)
  • ROIC
    Q1'26: -22.8% (vs Q1'25)
  • Share dilution
    -0.9% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.48× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 84% × Ke + 16% × Kd (51.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 81.84 Current price: 28.51
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-26 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-22 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-21 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-20 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-19 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-18 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-15 A+ 4/5 5/5 4/5 4/5 3/5 4/5 4/5
2026-05-14 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-13 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-12 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-11 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-07 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-06 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-05 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-04 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-01 A- 4/5 5/5 4/5 5/5 2/5 3/5 2/5
2026-04-30 A- 4/5 5/5 4/5 5/5 2/5 3/5 2/5
2026-04-29 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-28 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-27 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-24 A- 4/5 5/5 4/5 5/5 2/5 3/5 2/5
2026-04-23 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-22 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-21 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-20 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-04-17 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-04-16 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
59.12M
OE per share TTM
5.57
Owner's Yield
20.49%
Maintenance CapEx ratio
9.47%
Maint CapEx / Avg PPE
37.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
8
Beneficial owners (>5%)
1
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 GEORGE J. SZATKOWSKI, JR. 109.3K 5.00% 109.0K 335.00 109.0K 335.00 IN U.S.A. 2014-04-15

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
12
Sells
0
Shares acquired
3.2K
Shares disposed
Cash buys
12.00
Cash sales
Net activity
+3,209
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-05-26 MCMICHAEL W BRUCE JR Director P-Purchase A Common 926 26.99 25.0K 17,395 D
2026-05-21 MCMICHAEL W BRUCE JR Director P-Purchase A Common 932 26.80 25.0K 16,469 D
2026-05-04 Glunk Robert J Director P-Purchase A Common 12 74.75 897.00 282 I
2026-05-01 Glunk Robert J Director P-Purchase A Common 6 74.27 445.62 270 I
2026-04-30 Lehman Jessica M. Director / Officer P-Purchase A Common 174 72.12 12.5K 412 D
2026-04-29 Klingerman Brian D Director P-Purchase A Common 1,000 73.50 73.5K 10,613 D
2026-04-28 Tompkins Bonnie M Director P-Purchase A Common 67 73.10 4.9K 19,625 D
2026-04-22 Rabb Robert M Director 0 0.00 0
2026-03-06 Kline Loni N. Officer P-Purchase A Common 312 61.85 19.3K 810 D
2026-03-05 Tompkins Bonnie M Director P-Purchase A Common 91 61.89 5.6K 4,299 I
2026-03-05 Kline Loni N. Officer P-Purchase A Common 498 61.85 30.8K 498 D
2026-03-02 Tompkins Bonnie M Director P-Purchase A Common 158 61.00 9.6K 19,558 D
2026-02-03 Tompkins Bonnie M Director P-Purchase A Common 300 59.25 17.8K 19,400 D
2026-02-02 Kline Loni N. Officer Common 0 0.00 0 D
2026-01-29 Williams Brenda R H Director P-Purchase A Common 400 60.00 24.0K 2,200 D
2026-01-29 Tompkins Bonnie M Director P-Purchase A Common 267 60.00 16.0K 19,100 D
2026-01-28 Lehman Jessica M. Director / Officer P-Purchase A Common 100 60.00 6.0K 238 D
2026-01-27 Glunk Robert J Director P-Purchase A Common 10 59.55 595.50 264 I
2025-12-31 Tasselli Stephen M Director 0 0.00 0
2025-12-31 Lehman Jessica M. Officer 0 0.00 0
2025-12-31 Gunsallus Tammy L Officer 0 0.00 0
2025-12-12 Williams Brenda R H Director P-Purchase A Common 25 56.81 1.4K 1,800 D
2025-12-11 Williams Brenda R H Director P-Purchase A Common 50 54.78 2.7K 1,775 D
2025-12-11 Tompkins Bonnie M Director S-Sale D Common 150 54.75 8.2K 18,833 D
2025-11-05 Lehman Jessica M. Director / Officer Common 0 0.00 120 D
2025-10-29 Williams Brenda R H Director P-Purchase A Common 150 53.00 8.0K 1,725 D
2025-10-23 Glunk Robert J Director P-Purchase A Common 7 54.89 384.23 254 I
2025-09-04 WENNER EDWIN A Director P-Purchase A Common 125 49.00 6.1K 4,273 D
2025-08-05 Glunk Robert J Director P-Purchase A Common 233 50.41 11.7K 26,975 D
2025-06-27 Benson Beth A Officer 0 0.00 0
2025-04-29 Glunk Robert J Director / Officer P-Purchase A Common 37 42.01 1.6K 83 I
2025-04-22 Rabb Robert M Director Common 0 0.00 18,504 D
2025-04-21 Langdon James Howard Director 0 0.00 0
2025-03-11 Weinhoffer Kevin Officer P-Purchase A Common 17 41.07 698.19 3,100 I
2025-02-27 Weinhoffer Kevin Officer P-Purchase A Common 482 42.06 20.3K 3,083 I
2025-02-26 Weinhoffer Kevin Officer P-Purchase A Common 501 42.06 21.1K 2,601 I
2024-12-12 Oakes Stephanie A Officer P-Purchase A Common 295 44.00 13.0K 967 D
2024-12-10 Williams Brenda R H Director P-Purchase A Common 125 39.85 5.0K 1,575 D
2024-12-10 WENNER EDWIN A Director P-Purchase A Common 375 39.75 14.9K 3,983 D
2024-12-02 Williams Brenda R H Director P-Purchase A Common 25 39.35 983.75 1,450 D
2024-11-26 Glunk Robert J Director / Officer P-Purchase A Common 200 40.00 8.0K 26,702 D
2024-11-25 Glunk Robert J Director / Officer P-Purchase A Common 200 37.10 7.4K 26,502 D
2024-11-22 Glunk Robert J Director / Officer P-Purchase A Common 200 36.82 7.4K 26,302 D
2024-11-21 Glunk Robert J Director / Officer P-Purchase A Common 200 36.25 7.3K 26,102 D
2024-11-15 Arthur Todd M Director P-Purchase A Common 29 34.25 993.25 24,237 D
2024-11-12 Weinhoffer Kevin Officer P-Purchase A Common 81 33.58 2.7K 2,100 I
2024-11-12 Arthur Todd M Director P-Purchase A Common 300 34.00 10.2K 24,208 D
2024-11-08 Arthur Todd M Director P-Purchase A Common 200 34.50 6.9K 1,432 I
2024-11-07 Arthur Todd M Director P-Purchase A Common 1,000 35.50 35.5K 23,808 D
2024-11-01 Weinhoffer Kevin Officer P-Purchase A Common 319 34.05 10.9K 2,019 I

Executive team

Top executives
EBIT / Employee
123.1K
Shares Outstanding
10.61M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Robert J. Glunk, Executive Chairman 74.9K 1.39M 1.46M 0.00%
2 2025 Lance O. Diehl, President and Chief Executive Officer 421.2K 171.1K 157.6K 749.9K 0.00%
3 2025 Jeffrey T. Arnold, Senior Executive Vice President and Treasurer 232.5K 101.6K 40.7K 374.8K 0.00%
4 2025 Joseph K. O'Neill, Jr., Executive Vice President and Chief Financial Officer 196.6K 69.8K 50.0K 316.4K 0.00%
5 2024 Lance O. Diehl, President and Chief Executive Officer 390.0K 119.5K 152.4K 661.9K 0.00%
6 2024 Robert J. Glunk, Executive Chairman 390.0K 119.5K 123.7K 633.2K 0.00%
7 2024 Jeffrey T. Arnold, Senior Executive Vice President and Treasurer 215.3K 85.8K 73.6K 374.7K 0.00%
8 2024 Jeffrey T. Arnold, Executive Vice President and Treasurer 215.3K 85.8K 73.6K 374.7K 0.00%
9 2024 Joseph K. O'Neill, Jr., Executive Vice President and Chief Financial Officer 182.0K 59.1K 46.8K 287.9K 0.00%
10 2023 Lance O. Diehl, President and Chief Executive Officer 350.7K 230.8K 180.0K 761.5K 0.00%
11 2023 Lance O. Diehl, Chairman, President and Chief Executive Officer 350.7K 230.8K 180.0K 761.5K 0.00%
12 2023 Robert J. Glunk, Executive Chairman 43.3K 475.0K 28.2K 546.4K 0.00%
13 2023 Robert Glunk, Senior Executive Vice President and Chief Operating Officer 43.3K 475.0K 28.2K 546.4K 0.00%
14 2023 Jeffrey T. Arnold, Executive Vice President and Treasurer 196.7K 92.3K 64.6K 353.6K 0.00%
15 2022 Lance O. Diehl, Chairman, President and Chief Executive Officer 335.8K 107.3K 154.4K 597.5K 0.00%
16 2022 Jeffrey T. Arnold, Executive Vice President and Treasurer 188.8K 75.1K 174.2K 438.1K 0.00%
17 2022 Paul Page, Executive Vice President and Chief Lending Officer 188.8K 45.1K 63.3K 297.2K 0.00%
18 2012 Lance O. Diehl, President & Chief Executive Officer 203.6K 70.0K 56.7K 330.3K 0.00%
19 2012 Edwin A. Wenner, Chief Operating Officer 155.0K 43.4K 78.7K 277.1K 0.00%
20 2012 Paul K. Page, Chief Lending Officer 139.3K 42.1K 33.9K 215.3K 0.00%
21 2011 Lance O Diehl, President & Chief Executive Officer 197.7K 54.0K 54.0K 305.7K 0.00%
22 2011 Lance O. Diehl, President & Chief Executive Officer 197.7K 54.0K 54.0K 305.7K 0.00%
23 2011 Edwin A Wenner, Operating Officer Page, Chief 145.7K 32.0K 73.1K 250.7K 0.00%
24 2011 Edwin A. Wenner, Chief Operating Officer 145.7K 32.0K 73.1K 250.7K 0.00%
25 2011 Paul K Lending Officer 135.3K 31.6K 31.2K 198.0K 0.00%
26 2011 Paul K. Page, Chief Lending Officer 135.3K 31.6K 31.2K 198.0K 0.00%
27 2010 Lance O. Diehl, President & Chief Executive Officer 193.8K 49.6K 50.4K 293.8K 0.00%
28 2010 Lance O Diehl, President & Chief Executive Officer 193.8K 49.6K 50.4K 293.8K 0.00%
29 2010 Edwin A. Wenner, Chief Operating Officer 142.8K 29.6K 68.1K 240.5K 0.00%
30 2010 Edwin A Wenner, Operating Officer Page, Chief 142.8K 29.6K 68.1K 240.5K 0.00%
31 2010 Paul K Lending Officer 132.6K 29.2K 29.1K 190.9K 0.00%
32 2010 Paul K. Page, Chief Lending Officer 132.6K 29.2K 29.1K 190.9K 0.00%
33 2009 Lance O. Diehl, President & Chief Executive Officer 190.0K 36.9K 49.3K 276.1K 0.00%
34 2009 Edwin A. Wenner, Chief Operating Officer 140.0K 20.7K 67.7K 228.4K 0.00%
35 2009 Paul K. Page, Chief Lending Officer 130.0K 21.6K 18.4K 170.0K 0.00%
36 2008 Lance O. Diehl, President & Chief Executive Officer 152.9K 41.0K 38.4K 257.3K 0.00%
37 2008 Edwin A. Wenner, Chief Operating Officer 127.4K 30.0K 59.2K 216.6K 0.00%
38 2008 Paul K. Page, Chief Lending Officer 54.9K 22.3K 3.1K 80.3K 0.00%
39 2007 Lance O. Diehl, President & Chief Executive Officer 150.0K 30.4K 36.5K 240.0K 0.00%
40 2007 Edwin A. Wenner, Chief Operating Officer 125.0K 24.6K 19.9K 218.0K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-03-06 DEF 14A
2025-03-07 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-27 4
2026-05-22 4
2026-05-12 8-K
2026-05-08 10-Q
2026-05-05 4
2026-05-04 4
2026-05-04 4
2026-04-30 4
2026-04-29 4
2026-04-24 8-K

Executive team

NameTitleCompensationGender
Lance O. Diehl President, Chief Executive Officer & Director 618.2K male
Jeffrey Thomas Arnold CGMA Senior Executive VP & Treasurer 356.5K male
Joseph O'Neil Executive Vice President & Chief Financial Officer 282.6K male
Paul K. Page Chief Lending Officer & EVP of First Columbia Bank & Trust Co 257.5K male
Virginia D. Kocher Vice President and Regulatory Financial Reporting Officer - First Columbia Bank & Trust Co 61.1K female
Matthew Beagle Chief Wealth Management Officer and Senior Vice President of First Columbia Bank & Trust Co
Jeffery A. Whitenight Executive Vice President of Branch & Loan Administration - Journey Bank male
Beth A. Benson Secretary female
ESG Rating
B+
BANKS - REGIONAL
Rank: 39 out of 431
2026
E (Environmental)
74.4 / 64.3
Company / Sector avg.
S (Social)
73.8 / 76.5
Company / Sector avg.
G (Governance)
61.3 / 75.5
Company / Sector avg.
ESG Total
69.9 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits