Stock Analysis Report

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Executive Summary

CCFNB Bancorp, Inc. operates as the holding company for First Columbia Bank & Trust Co.

Snowflake Analysis

Flawless balance sheet with solid track record and pays a dividend.

Similar Companies

Share Price & News

How has CCFNB Bancorp's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: CCFN has not had significant price volatility in the past 3 months.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: CCFN exceeded the US Banks industry which returned -25.2% over the past year.

Return vs Market: CCFN underperformed the US Market which returned 12.5% over the past year.

Shareholder returns

7 Day0%-0.7%1.3%
30 Day-5.9%2.6%4.7%
90 Day-1.2%4.8%17.1%
1 Year-17.7%-20.4%-20.8%-23.5%17.3%14.9%
3 Year-8.5%-16.7%-15.5%-22.2%38.9%29.9%
5 Year17.8%0%8.5%-4.7%71.3%52.8%

Price Volatility Vs. Market

How volatile is CCFNB Bancorp's share price compared to the market and industry in the last 5 years?

Simply Wall St News

No news available


Is CCFNB Bancorp undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: CCFN ($40) is trading below our estimate of fair value ($45.14)

Significantly Below Fair Value: CCFN is trading below fair value, but not by a significant amount.

Price To Earnings Ratio

PE vs Industry: CCFN's PE Ratio (9.5x) is in line with the US Banks industry average.

PE vs Market: CCFN is good value based on its PE Ratio (9.5x) compared to the US market (17.8x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CCFN's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: CCFN's PB Ratio (0.8x) is in line with the US Banks industry average.

Next Steps

Future Growth

How is CCFNB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CCFNB Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Next Steps

Past Performance

How has CCFNB Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CCFN has high quality earnings.

Growing Profit Margin: CCFN's current net profit margins (32%) are higher than last year (30.2%).

Past Earnings Growth Analysis

Earnings Trend: CCFN's earnings have grown by 5.2% per year over the past 5 years.

Accelerating Growth: CCFN's earnings growth over the past year (9%) exceeds its 5-year average (5.2% per year).

Earnings vs Industry: CCFN earnings growth over the past year (9%) exceeded the Banks industry -2.9%.

Return on Equity

High ROE: CCFN's Return on Equity (8.7%) is considered low.

Next Steps

Financial Health

How is CCFNB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: CCFN's Assets to Equity ratio (7.3x) is low.

Allowance for Bad Loans: CCFN has a sufficient allowance for bad loans (226%).

Low Risk Liabilities: 84% of CCFN's liabilities are made up of primarily low risk sources of funding.

Loan Level: CCFN has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: CCFN's Loans to Deposits ratio (86%) is appropriate.

Level of Bad Loans: CCFN has an appropriate level of bad loans (0.8%).

Next Steps


What is CCFNB Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CCFN's dividend (3.9%) is higher than the bottom 25% of dividend payers in the US market (1.66%).

High Dividend: CCFN's dividend (3.9%) is low compared to the top 25% of dividend payers in the US market (4.51%).

Stability and Growth of Payments

Stable Dividend: CCFN's dividends per share have been stable in the past 10 years.

Growing Dividend: CCFN's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (37.1%), CCFN's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average board tenure


Lance Diehl (54 yo)





Mr. Lance O. Diehl has been the President of CCFNB BanCorp. Inc. and First Columbia Bank & Trust Co since February 13, 2003 and Chief Executive Officer at CCFNB BanCorp. Inc. and First Columbia Bank & Trus ...

CEO Compensation Analysis

Compensation vs Market: Lance's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD608.75K).

Compensation vs Earnings: Insufficient data to compare Lance's compensation with company performance.

Board Members

Lance Diehl
$ 244.8k
Robert Brewington
Independent Director24.58yrsUS$22.48k0.81%
$ 680.7k
Willard Kile
Independent Director20.58yrsUS$24.38k2.6%
$ 2.2m
W. McMichael
Independent Director14.33yrsUS$19.82k0.14%
$ 120.0k
Edwin Wenner
Independent Chairman of the Board3.33yrsUS$248.86k0.099%
$ 82.6k
Joanne Keenan
Independent Director29.58yrsUS$19.02k0.041%
$ 34.6k
Andrew Pruden
Independent Director25.58yrsUS$18.30k0.0086%
$ 7.2k
Steven Shannon
Independent Director20.58yrsUS$19.10k0.52%
$ 434.8k
Robert Dillon
Independent Director24.58yrsUS$19.10k0.85%
$ 711.2k
P. Hill
Independent Director7.42yrsUS$15.95k0.055%
$ 46.1k
Brian Klingerman
Independent Director5.83yrsno data0.018%
$ 15.0k
Alvin Luschas
Independent Director4.58yrsno data0.51%
$ 425.3k


Average Tenure


Average Age

Experienced Board: CCFN's board of directors are seasoned and experienced ( 19.1 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

CCFNB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: CCFNB Bancorp, Inc.
  • Ticker: CCFN
  • Exchange: OTCPK
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$83.553m
  • Shares outstanding: 2.09m
  • Website: https://www.firstcolumbiabank.com

Number of Employees


  • CCFNB Bancorp, Inc.
  • 232 East Street
  • Bloomsburg
  • Pennsylvania
  • 17815
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCFNOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDOct 1990


CCFNB Bancorp, Inc. operates as the holding company for First Columbia Bank & Trust Co. that provides banking and related financial services to individual, business, and government customers. It accepts ch ...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/03 00:45
End of Day Share Price2020/07/30 00:00
Annual Earnings2019/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.