Muncy Columbia Financial Corp. (CCFN) intrinsic value & 10-year financials
Muncy Columbia Financial Corp. (CCFN) has a Graham intrinsic value of $219.96 per share. At $30.19 on Oct 17, 2026, the stock trades 86% below that value. Over the last 10 fiscal years revenue grew 14.3% a year to $938.0K, with an average return on invested capital of 6.5%.
- Graham intrinsic value
- $219.96
- Share price (Oct 17, 2026)
- $30.19
- Price vs Graham value
- 86% below
- Market cap
- $106.8M
- Revenue (FY2025)
- $938.0K
- Revenue growth (10-yr CAGR)
- 14.3%
- ROIC (10-yr avg)
- 6.5%
- Free cash flow (FY2025)
- $21.9M
CCFN 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $938.0K | $24.2M | $6.85 | $21.9M | — | 10.3% |
| FY2024 | $807.0K | $19.0M | $5.33 | $16.5M | — | 5.8% |
| FY2023 | $636.0K | $3.4M | $1.49 | $6.1M | — | 1.1% |
| FY2022 | $597.0K | $9.5M | $4.58 | $9.4M | — | 3.9% |
| FY2021 | — | — | — | — | — | — |
| FY2013 | $458.0K | $6.8M | — | $8.4M | — | 5.0% |
| FY2012 | $441.0K | $7.2M | — | $1.9M | — | 6.6% |
| FY2011 | $284.0K | $6.8M | — | $3.3M | — | 6.9% |
| FY2010 | $325.0K | $6.3M | — | $8.0M | — | 9.5% |
| FY2009 | $281.0K | $5.9M | — | $4.3M | — | 9.0% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
MUNCY COLUMBIA FINANCIAL Corp is a consistent compounder, expanding top-line revenue at 14.3% annually over the past decade.
MUNCY COLUMBIA FINANCIAL Corp has historically struggled to out-earn its cost of capital, averaging just 6.5% ROIC.
MUNCY COLUMBIA FINANCIAL Corp capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, MUNCY COLUMBIA FINANCIAL Corp is modeled at 14.4% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $219.96 per share.