Security
MUNCY COLUMBIA FINL CORP COM · CCFN
CCFNOTCCommon stockCurrentCIK 731122Updated Oct 20, 2026
Name history
CCFNB BANCORP INC · through Nov 9, 2023
CCFN price & chart
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OTC:CCFN on TradingView ↗About the company
Muncy Columbia Financial Corporation (“MCFC”) is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. MCFC has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Luzerne, Lycoming, Montour, Northumberland and Sullivan Counties through 22 banking offices.
In the news
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Recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
SCHEDULE 13G - filed by Fourthstone LLC regarding MUNCY COLUMBIA FINANCIAL Corp
Other Events
Items 8.01, 9.01
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Show 5 more recent filings
Other Events
Items 8.01, 9.01
10-Q filing
4 filing
Submission of Matters to a Vote of Security Holders · Regulation FD Disclosure
Items 5.07, 7.01, 9.01
Other Events
Items 8.01, 9.01
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 1,654,950,000Source | 1,607,322,000Source | 1,672,332,000Source | 1,616,215,000Source | 1,592,300,000Source | 1,717,328,000Source | 1,602,336,000Source | 1,573,271,000Source | 1,673,199,000Source | 1,595,958,000Source | 1,639,779,000Source | 944,014,000Source |
| Property, Plant and Equipment, NetUSD | 26,496,000Source | 26,735,000Source | 26,449,000Source | 26,789,000Source | 27,025,000Source | 25,991,000Source | 26,644,000Source | 27,322,000Source | 26,263,000Source | 26,484,000Source | 27,569,000Source | 12,514,000Source |
| GoodwillUSD | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 7,937,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | — | — | — | — | — | — | — | — | 8,042,000Source | — | — | — |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 45,326,000Source | — | 20,144,000Source | 40,712,000Source | — | 60,437,000Source | — | — | 48,540,000Source | — | — | — |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 400,000Source | 437,000Source | 475,000Source | 298,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 1,470,465,000Source | 1,438,019,000Source | 1,473,665,000Source | 1,439,940,000Source | 1,434,659,000Source | 1,525,270,000Source | 1,430,936,000Source | 1,418,408,000Source | 1,480,658,000Source | 1,429,548,000Source | 1,485,954,000Source | 858,072,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 4,806,000Source | 4,800,000Source | 13,653,000Source | 4,805,000Source | 4,798,000Source | 4,808,000Source | 4,804,000Source | 4,796,000Source | 4,807,000Source | 4,802,000Source | 4,794,000Source | 2,930,000Source |
| Retained Earnings (Accumulated Deficit)USD | 113,562,000Source | 99,598,000Source | 126,866,000Source | 108,434,000Source | 96,114,000Source | 121,355,000Source | 106,023,000Source | 92,980,000Source | 119,364,000Source | 103,268,000Source | 90,514,000Source | 90,156,000Source |
| Stockholders' Equity Attributable to ParentUSD | 184,485,000Source | 169,303,000Source | 198,667,000Source | 176,275,000Source | 157,641,000Source | 192,058,000Source | 171,400,000Source | 154,863,000Source | 192,541,000Source | 166,410,000Source | 153,825,000Source | 85,942,000Source |
| Additional Paid in Capital, Common StockUSD | 83,682,000Source | 83,504,000Source | 74,949,000Source | 83,636,000Source | 83,455,000Source | 83,756,000Source | 83,594,000Source | 83,403,000Source | 83,720,000Source | 83,543,000Source | 83,343,000Source | 30,030,000Source |
| Liabilities and EquityUSD | 1,654,950,000Source | 1,607,322,000Source | 1,672,332,000Source | 1,616,215,000Source | 1,592,300,000Source | 1,717,328,000Source | 1,602,336,000Source | 1,573,271,000Source | 1,673,199,000Source | 1,595,958,000Source | 1,639,779,000Source | 944,014,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -6,258,000Source | -8,809,000Source | -5,494,000Source | -9,293,000Source | -16,936,000Source | -6,554,000Source | -11,714,000Source | -16,526,000Source | -4,043,000Source | -13,896,000Source | -15,036,000Source | -27,384,000Source |
| Long-term DebtUSD | 40,519,000Source | — | — | 45,451,000Source | — | 40,649,000Source | — | — | 40,584,000Source | — | — | — |
| Dividends Payable | — | — | — | — | — | —Source | — | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 332,000Source | 220,000Source | 1,401,000Source | 2,317,000Source | -200,000Source | 67,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 16,598,000Source | 4,703,000Source | 23,287,000Source | 16,900,000Source | 7,079,000Source | 9,663,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | — | — | -7,845,000Source | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -42,078,000Source | 3,039,000Source | -33,051,000Source | 48,483,000Source | 9,103,000Source | -100,549,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 101,000Source | 576,000Source | 1,395,000Source | 407,000Source | 968,000Source | 299,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | — | 1,517,000Source | — | 25,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 37,377,000Source | -1,363,000Source | 40,924,000Source | -66,380,000Source | -10,889,000Source | 6,427,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,628,000Source | 1,590,000Source | 8,129,000Source | 6,269,000Source | 3,557,000Source | 3,471,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | — | 6,379,000Source | — | -997,000Source | 5,293,000Source | -84,459,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 45,326,000Source | 28,069,000Source | 20,144,000Source | 40,712,000Source | 60,437,000Source | 23,759,000Source | 48,540,000Source | 17,380,000Source | 18,377,000Source | 13,084,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 6,383,000Source | 6,966,000Source | 27,632,000Source | 31,779,000Source | 12,914,000Source | 4,080,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 1,875,000Source | — | 975,000Source | 1,375,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Debt Issuance Costs and DiscountsUSD | — | — | — | — | — | — | — | -2,497,000Source | — | -10,685,000Source | -948,000Source | — |
| Amortization of Intangible AssetsUSD | — | — | 511,000Source | 558,000Source | 454,000Source | 511,000Source | 454,000Source | 510,000Source | 2,023,000Source | 2,202,000Source | 183,000Source | — |
| Bank Owned Life Insurance IncomeUSD | — | — | 235,000Source | 236,000Source | 257,000Source | 233,000Source | 232,000Source | 231,000Source | 925,000Source | 928,000Source | 503,000Source | 652,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | -1,445,000Source | -426,000Source | — | — | -422,000Source | -85,000Source | — | -1,236,000Source |
| Deferred Other Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 2,317,000Source | -200,000Source | 66,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 1,498,000Source | — | — | — |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | 378,000Source | 370,000Source | 1,498,000Source | 1,515,000Source | 790,000Source | 662,000Source |
| Equipment ExpenseUSD | — | — | 418,000Source | 448,000Source | 357,000Source | 460,000Source | 379,000Source | 426,000Source | 1,704,000Source | 1,665,000Source | 2,070,000Source | 1,757,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 48,000Source | 163,000Source | 126,000Source | 14,000Source | 79,000Source | -34,000Source | 56,000Source | 60,000Source | -119,000Source | -37,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 48,000Source | 163,000Source | 126,000Source | 14,000Source | 79,000Source | -34,000Source | 56,000Source | 60,000Source | -119,000Source | -37,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 475,000Source | 151,000Source | 396,000Source | 256,000Source | 67,000Source | 110,000Source | 834,000Source | 847,000Source | 2,554,000Source | -1,810,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | — | — | — | — | — | — | 94,000Source | — | 10,000Source | — | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | — | — | -62,000Source | — |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 186,000Source | 75,000Source | 155,000Source | 71,000Source | -637,000Source | 83,000Source | 503,000Source | 413,000Source | 276,000Source | 478,000Source |
| Gain (Loss) Related to Litigation SettlementUSD | — | — | — | — | — | — | — | — | 119,000Source | — | — | — |
| GoodwillUSD | — | — | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 25,609,000Source | 7,937,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,367,000Source | 915,000Source | 1,360,000Source | 1,167,000Source | 1,511,000Source | 767,000Source | 4,878,000Source | 3,318,000Source | 365,000Source | 1,626,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 6,719,000Source | 5,056,000Source | 7,155,000Source | 5,768,000Source | 7,156,000Source | 4,345,000Source | 24,225,000Source | 19,023,000Source | 3,387,000Source | 9,514,000Source |
| Noncash Merger Related CostsUSD | — | — | — | 43,000Source | — | — | — | — | — | 241,000Source | 3,028,000Source | — |
| Other Interest and Dividend IncomeUSD | — | — | 151,000Source | 190,000Source | 138,000Source | 165,000Source | 136,000Source | 168,000Source | 625,000Source | 807,000Source | 318,000Source | 198,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 33,000Source | 48,000Source | 163,000Source | 187,000Source | 77,000Source | 74,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 8,032,000Source | 18,771,000Source | 64,473,000Source | 55,323,000Source | 36,847,000Source | 24,208,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 479,000Source | 151,000Source | 394,000Source | 254,000Source | 69,000Source | 110,000Source | 839,000Source | 837,000Source | 2,521,000Source | -1,810,000Source |
| Dividends Payable | — | — | — | — | — | — | —Source | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 8,086,000Source | 5,971,000Source | 8,515,000Source | 6,935,000Source | 8,667,000Source | 5,112,000Source | 29,103,000Source | 22,341,000Source | 3,752,000Source | 11,140,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,367,000Source | 915,000Source | 1,360,000Source | 1,167,000Source | 1,511,000Source | 767,000Source | 4,878,000Source | 3,318,000Source | 365,000Source | 1,626,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 6,719,000Source | 5,056,000Source | 7,155,000Source | 5,768,000Source | 7,156,000Source | 4,345,000Source | 24,225,000Source | 19,023,000Source | 3,387,000Source | 9,514,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.9Source | 1.42Source | 0.67Source | 0.54Source | 2.02Source | 1.23Source | 6.85Source | 5.33Source | 1.49Source | 4.58Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.9Source | 1.42Source | 0.67Source | 0.54Source | 2.02Source | 1.23Source | 6.85Source | 5.33Source | 1.49Source | 4.58Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 3,535,009Source | 3,574,043Source | 10,612,247Source | 10,601,932Source | 3,536,761Source | 3,532,727Source | 3,534,435Source | 3,568,145Source | 2,279,808Source | 2,078,218Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | — | 3,574,043Source | — | — | — | 3,532,727Source | — | 3,568,145Source | 2,279,808Source | 2,078,218Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 511,000Source | 558,000Source | 454,000Source | 511,000Source | 454,000Source | 510,000Source | 2,023,000Source | 2,202,000Source | 183,000Source | — |
| Bank Owned Life Insurance IncomeUSD | — | — | 235,000Source | 236,000Source | 257,000Source | 233,000Source | 232,000Source | 231,000Source | 925,000Source | 928,000Source | 503,000Source | 652,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 3,477,000Source | 1,001,000Source | 565,000Source | 1,560,000Source |
| Equipment ExpenseUSD | — | — | 418,000Source | 448,000Source | 357,000Source | 460,000Source | 379,000Source | 426,000Source | 1,704,000Source | 1,665,000Source | 2,070,000Source | 1,757,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 475,000Source | 151,000Source | 396,000Source | 256,000Source | 67,000Source | 110,000Source | 834,000Source | 847,000Source | 2,554,000Source | -1,810,000Source |
| Gain (Loss) Related to Litigation SettlementUSD | — | — | — | — | — | — | — | — | 119,000Source | — | — | — |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 15,085,000Source | 4,061,000Source |
| InterestExpenseOperatingUSD | — | — | 6,950,000Source | 8,017,000Source | 6,630,000Source | 6,854,000Source | 6,458,000Source | 6,973,000Source | 27,419,000Source | 31,278,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 15,651,000Source | 12,774,000Source | 16,769,000Source | 14,808,000Source | 16,443,000Source | 13,868,000Source | 60,599,000Source | 50,465,000Source | 23,262,000Source | 22,327,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 151,000Source | 190,000Source | 138,000Source | 165,000Source | 136,000Source | 168,000Source | 625,000Source | 807,000Source | 318,000Source | 198,000Source |
Filing attachments
ex99-1.htm · 8-K · 2026-10-19
Exhibit 99.1 Press Release - For Immediate Release October 19, 2026 Muncy Columbia Financial Corporation Announces Third Quarter 2026 Earnings Bloomsburg, PA - Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (“Bank”), has released its unaudited consolidated financial results for the third quarter of 2026. Unaudited Financial Information Net income, as reported under accounting principles generally accepted in the United States of America (…
Read attachment ↗ex99-1.htm · 8-K · 2026-08-11
EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 Press Release - For Immediate Release August 11, 2026 Muncy Columbia Financial Corporation Declares Dividend Bloomsburg, PA - Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (“Bank”), announced that on August 11, 2026, the Corporation’s Board of Directors declared a regular quarterly cash dividend. Dividend Declared On August 11, 2026, the Corporation’s Board of Directors declared a regular qua…
Read attachment ↗ex99-1.htm · 8-K · 2026-07-20
EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 Press Release - For Immediate Release July 20, 2026 Muncy Columbia Financial Corporation Announces Second Quarter 2026 Earnings Bloomsburg, PA - Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (“Bank”), has released its unaudited consolidated financial results for the second quarter of 2026. Unaudited Financial Information Net income, as reported under accounting principles generally accepted i…
Read attachment ↗ex99-1.htm · 8-K · 2026-05-12
EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 Press Release - For Immediate Release May 12, 2026 Muncy Columbia Financial Corporation Declares Dividend and Authorizes New Treasury Stock Repurchase Program Bloomsburg, PA - Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (“Bank”), announced that on May 12, 2026, the Corporation’s Board of Directors declared a regular quarterly cash dividend and authorized a new treasury stock repurchase progra…
Read attachment ↗ex99-1.htm · 8-K · 2026-04-24
EX-99.1 2 ex99-1.htm EX-99.1 Annual Meeting of Shareholders April 23, 2026 CAUTIONARY STATEMENT REGARDING FORWARD - LOOKING INFORMATION This presentation contains forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, regarding our outlook or expectations relating to our future business, operations, financial condition, financial performance, asset quality and ca pit al levels, among other matters. Forward - looking statements ar…
Read attachment ↗ex99-1.htm · 8-K · 2026-04-23
EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 Press Release - For Immediate Release April 23, 2026 Muncy Columbia Financial Corporation Declares Stock Split Bloomsburg, PA - Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (”Bank”), announced that on April 23, 2026, the Corporation’s Board of Directors declared a three-for-one stock split on its outstanding shares of common stock. Stock Split On April 23, 2026, the Corporation’s Board of Di…
Read attachment ↗