OTCPK:CCFN

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • CCFNB Bancorp is not covered by any analysts.

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


Market Performance


7 Day Return

0.5%

OTCPK:CCFN

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-1.0%

OTCPK:CCFN

-14.2%

US Banks

-0.4%

US Market

CCFN outperformed the Banks industry which returned -14.2% over the past year.

CCFN matched the United States of America Market (-0.4%) over the past year.


Share holder returns

CCFNIndustryMarket
7 Day0.5%-2.6%-1.0%
30 Day0%-6.3%-3.3%
90 Day0%-3.5%0.8%
1 Year1.9%-1.0%-11.8%-14.2%1.9%-0.4%
3 Year34.8%23.8%42.2%32.4%39.4%30.4%
5 Year57.8%34.7%53.3%36.7%54.2%37.1%

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

Valuation

Is CCFNB Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.29x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

CCFNB Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

CCFNB Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

CCFNB Bancorp is good value based on earnings compared to the US Banks industry average.

CCFNB Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for CCFNB Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

CCFNB Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

6.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if CCFNB Bancorp is high growth as no revenue estimate data is available.

CCFNB Bancorp's earnings are expected to grow by 6.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare CCFNB Bancorp's revenue growth to the United States of America market average as no estimate data is available.

CCFNB Bancorp's earnings growth is positive but not above the United States of America market average.

CCFNB Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if CCFNB Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has CCFNB Bancorp performed over the past 5 years?

3.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

CCFNB Bancorp's year on year earnings growth rate has been positive over the past 5 years.

CCFNB Bancorp's 1-year earnings growth exceeds its 5-year average (12.9% vs 3.8%)

CCFNB Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (12.9% vs 33.2%).


Return on Equity

CCFNB Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

CCFNB Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CCFNB Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

CCFNB Bancorp has an acceptable proportion of non-loan assets held.

CCFNB Bancorp has a sufficient allowance for bad loans.

CCFNB Bancorp's liabilities are made up of primarily low risk sources of funding.

CCFNB Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at CCFNB Bancorp are broadly funded by customer deposits.

CCFNB Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

3.15%

Current Dividend Yield


Upcoming Dividend Payment

Purchase CCFNB Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

CCFNB Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

CCFNB Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of CCFNB Bancorp's salary, the management and board of directors tenure and is there insider trading?

19.6yrs

Average board tenure


CEO

Lance Diehl (53yo)

16.6yrs

Tenure

US$304,282

Compensation

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

Insufficient data for Lance to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Lance's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

19.6yrs

Average Tenure

61.5yo

Average Age

The average tenure for the CCFNB Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Lance Diehl (53yo)

    President

    • Tenure: 16.6yrs
    • Compensation: $304.28k
  • Virginia Kocher (71yo)

    VP and Regulatory Financial Reporting Officer - First Columbia Bank & Trust Co

    • Compensation: $61.07k
  • Paul Page (60yo)

    Chief Lending Officer & EVP

    • Compensation: $198.30k
  • Jeff Arnold

    EVP, Assistant Secretary

    • Tenure: 10.8yrs
  • Susan Hackett

    Secretary & Assistant VP

  • Jeff Whitenight

    Executive Vice President of Branch Administration - First Columbia Bank & Trust Co

  • Matthew Beagle

    Chief Wealth Management Officer and Senior VP of First Columbia Bank & Trust Co

  • Luanne Bittenbender

    Chief Compliance Officer


Board Members

  • Andrew Pruden (54yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: $18.30k
  • P. Hill (65yo)

    Director

    • Tenure: 6.4yrs
    • Compensation: $15.95k
  • W. McMichael (59yo)

    Director

    • Tenure: 13.3yrs
    • Compensation: $19.82k
  • Robert Dillon (56yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: $19.10k
  • Joanne Keenan (66yo)

    Director

    • Tenure: 28.6yrs
    • Compensation: $19.02k
  • Willard Kile (64yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: $24.38k
  • Robert Brewington (68yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: $22.48k
  • Steven Shannon (56yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: $19.10k
  • Ed Wenner (66yo)

    Chairman of the Board

    • Tenure: 2.3yrs
    • Compensation: $248.86k
  • Lance Diehl (53yo)

    President

    • Tenure: 16.6yrs
    • Compensation: $304.28k

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: 1983
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$107.960m
  • Shares outstanding: 2.18m
  • Website: Click here

Number of Employees


Location

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

Listings

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

Biography

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 Analysis2019/08/17 23:34
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.