Muncy Columbia Financial Corporation

OTCPK:CCFN Stock Report

Market Cap: US$130.9m

Muncy Columbia Financial Valuation

Is CCFN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CCFN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CCFN ($36.6) is trading below our estimate of fair value ($70.88)

Significantly Below Fair Value: CCFN is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CCFN?

Key metric: As CCFN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CCFN. This is calculated by dividing CCFN's market cap by their current earnings.
What is CCFN's PE Ratio?
PE Ratio10.4x
EarningsUS$12.61m
Market CapUS$130.86m

Price to Earnings Ratio vs Peers

How does CCFN's PE Ratio compare to its peers?

The above table shows the PE ratio for CCFN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.1x
PTRS Partners Bancorp
8.1xn/aUS$128.5m
PBNK Pinnacle Bank
11.1xn/aUS$114.4m
PBNC PB Financial
8.3xn/aUS$125.8m
ECBK ECB Bancorp
40.8xn/aUS$136.1m
CCFN Muncy Columbia Financial
10.4xn/aUS$130.9m

Price-To-Earnings vs Peers: CCFN is good value based on its Price-To-Earnings Ratio (10.4x) compared to the peer average (17.1x).

Price to Earnings Ratio vs Industry

How does CCFN's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CCFN 10.4xIndustry Avg. 13.2xNo. of Companies91PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CCFN is good value based on its Price-To-Earnings Ratio (10.4x) compared to the US Banks industry average (13.1x).

Price to Earnings Ratio vs Fair Ratio

What is CCFN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CCFN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CCFN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

Discover undervalued companies

Bank Negara Indonesia (Persero)

Rp180.3t

Provides various banking products and services in Indonesia, New York, Europe, and Asia.

PBNN.F

Rp0.40

7D

38.9%

1Y

24.2%

Grupo Financiero Banorte. de

Mex$402.5b

Through its subsidiaries, engages in the provision of banking and financial products and services in Mexico and internationally.

GBOO.F

Mex$7.07

7D

-2.4%

1Y

-27.6%

BNP Paribas

€64.2b

Provides various banking and financial products and services in Europe, the Middle East, Africa, the Americas, and the Asia Pacific.

BNPQ.F

€60.20

7D

-6.4%

1Y

-5.2%