Financial Snapshot

Revenue
$60.88M
TTM
Gross Margin
Net Earnings
$12.61M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$169.3M
Q3 2024
Cash
Q3 2024
P/E
10.49
Nov 29, 2024 EST
Free Cash Flow
$3.765M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $38.35M $26.39M $20.69M $22.64M $24.51M
YoY Change 45.32% -8.62% -7.61%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $38.35M $26.39M $20.69M $22.64M $24.51M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $973.0K $662.0K $680.0K $700.0K $640.0K $670.0K $710.0K $780.0K $900.0K $990.0K $711.0K $726.0K $801.0K $1.680M $1.820M $1.040M $410.0K $380.0K
YoY Change 46.98% -2.65% -2.86% 9.38% -4.48% -5.63% -8.97% -13.33% -9.09% 39.24% -2.07% -9.36% -52.32% -7.69% 75.0% 153.66% 7.89% -7.32%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $15.09M $4.061M $2.505M $3.468M $5.126M
YoY Change 271.46% -27.77% -32.34%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $3.752M $11.14M $11.75M $11.29M $10.52M $9.390M $10.50M $9.170M $8.890M $8.940M $8.931M $9.494M $9.092M $8.630M $7.930M $3.970M $3.540M $3.190M
YoY Change -66.32% -5.19% 4.07% 7.32% 12.03% -10.57% 14.5% 3.15% -0.56% 0.1% -5.93% 4.42% 5.35% 8.83% 99.75% 12.15% 10.97% 11.54%
Income Tax $365.0K $1.626M $2.350M $1.960M $1.590M $1.370M $2.570M $2.000M $1.980M $2.110M $2.113M $2.341M $2.316M $2.330M $2.060M $900.0K $890.0K $780.0K
% Of Pretax Income 9.73% 14.6% 20.0% 17.36% 15.11% 14.59% 24.48% 21.81% 22.27% 23.6% 23.66% 24.66% 25.47% 27.0% 25.98% 22.67% 25.14% 24.45%
Net Earnings $3.387M $9.514M $9.410M $9.330M $8.930M $8.030M $7.310M $7.160M $6.910M $6.830M $6.818M $7.153M $6.776M $6.300M $5.880M $3.080M $2.650M $2.410M
YoY Change -64.4% 1.11% 0.86% 4.48% 11.21% 9.85% 2.09% 3.62% 1.17% 0.18% -4.68% 5.56% 7.56% 7.14% 90.91% 16.23% 9.96% 8.07%
Net Earnings / Revenue 8.83% 36.05% 32.95% 31.59% 27.65%
Basic Earnings Per Share $1.49 $4.58 $3.13 $3.25 $3.05
Diluted Earnings Per Share $1.49 $4.58 $4.53 $4.47 $4.22 $3.77 $3.43 $3.35 $3.20 $3.14 $3.13 $3.25 $3.05 $2.82 $2.61 $1.82 $2.15 $1.93

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $28.04M $12.81M $13.80M $14.30M $14.90M $13.40M $13.00M $11.40M $11.20M $11.10M $11.50M $11.90M $11.70M $12.00M $12.60M $12.60M $5.100M $5.000M
YoY Change 118.89% -7.16% -3.5% -4.03% 11.19% 3.08% 14.04% 1.79% 0.9% -3.48% -3.36% 1.71% -2.5% -4.76% 0.0% 147.06% 2.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $5.828M $3.745M $1.500M $1.400M $1.700M $2.000M $2.500M $2.400M $1.400M $1.000M $1.200M $1.400M $1.500M $1.600M $700.0K $800.0K $0.00
YoY Change 55.62% 149.67% 7.14% -17.65% -15.0% -20.0% 4.17% 71.43% 40.0% -16.67% -14.29% -6.67% -6.25% 128.57% -12.5%
Other Assets $12.63M $8.377M $1.900M $1.000M $900.0K $1.500M $1.200M $1.900M $1.500M $1.300M $2.100M
YoY Change 50.82% 340.89% 90.0% 11.11% -40.0% 25.0% -36.84% 26.67% 15.38% -38.1%
Total Long-Term Assets
YoY Change
Total Assets $1.640B $944.0M $952.7M $855.1M $742.7M $726.2M $709.5M $673.6M $647.3M $639.1M $624.0M $607.7M $624.7M $614.3M $602.5M $568.3M $245.3M $241.9M
YoY Change
Accounts Payable $2.358M $187.0K $200.0K $300.0K $400.0K $300.0K $300.0K $200.0K $200.0K $200.0K $300.0K $300.0K $500.0K $700.0K $900.0K $1.100M $500.0K $1.700M
YoY Change 1160.96% -6.5% -33.33% -25.0% 33.33% 0.0% 50.0% 0.0% 0.0% -33.33% 0.0% -40.0% -28.57% -22.22% -18.18% 120.0% -70.59%
Accrued Expenses $485.0K $298.0K $900.0K $1.000M $1.000M
YoY Change 62.75% -66.89% -10.0% 0.0%
Deferred Revenue
YoY Change
Short-Term Debt $252.5M $171.7M $142.7M $111.6M $108.3M $113.8M $100.2M $81.70M $84.20M $85.30M $83.60M $64.00M $58.30M $58.80M $52.00M $55.50M $29.50M $29.30M
YoY Change 47.04% 20.35% 27.87% 3.05% -4.83% 13.57% 22.64% -2.97% -1.29% 2.03% 30.63% 9.78% -0.85% 13.08% -6.31% 88.14% 0.68%
Long-Term Debt Due $4.000K $0.00 $0.00 $0.00
YoY Change
Total Short-Term Liabilities $255.4M $172.2M $143.8M $112.9M $109.7M $114.1M $100.5M $81.90M $84.40M $85.50M $83.90M $64.30M $58.80M $59.50M $52.90M $56.60M $30.00M $31.00M
YoY Change 48.28% 19.77% 27.37% 2.92% -3.86% 13.53% 22.71% -2.96% -1.29% 1.91% 30.48% 9.35% -1.18% 12.48% -6.54% 88.67% -3.23%
Long-Term Debt $0.00 $20.00K $0.00 $0.00 $0.00 $100.0K $100.0K $100.0K $100.0K $100.0K $2.100M $4.100M $6.100M $10.80M $19.80M $13.80M $11.10M $11.30M
YoY Change -100.0% -100.0% 0.0% 0.0% 0.0% 0.0% -95.24% -48.78% -32.79% -43.52% -45.45% 43.48% 24.32% -1.77%
Other Long-Term Liabilities $9.462M $3.497M $3.000M $3.200M $2.600M $2.200M $2.200M $2.200M $2.000M $2.200M $4.000M $1.700M $6.000M $2.500M $2.500M $2.900M $1.600M $0.00
YoY Change 170.57% 16.57% -6.25% 23.08% 18.18% 0.0% 0.0% 10.0% -9.09% -45.0% 135.29% -71.67% 140.0% 0.0% -13.79% 81.25%
Total Long-Term Liabilities $9.462M $3.517M $3.000M $3.200M $2.600M $2.300M $2.300M $2.300M $2.100M $2.300M $6.100M $5.800M $12.10M $13.30M $22.30M $16.70M $12.70M $11.30M
YoY Change 169.04% 17.23% -6.25% 23.08% 13.04% 0.0% 0.0% 9.52% -8.7% -62.3% 5.17% -52.07% -9.02% -40.36% 33.53% 31.5% 12.39%
Total Liabilities $1.486B $858.1M $848.4M $749.4M $642.7M $633.0M $619.8M $587.4M $564.2M $559.1M $548.2M $533.2M $553.3M $546.4M $537.4M $507.5M $213.7M $211.7M
YoY Change 73.17% 1.14% 13.21% 16.6% 1.53% 2.13% 5.52% 4.11% 0.91% 1.99% 2.81% -3.63% 1.26% 1.67% 5.89% 137.48% 0.94%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Basic Shares Outstanding 2.280M shares 2.078M shares 2.181M shares 2.200M shares 2.224M shares
Diluted Shares Outstanding 2.280M shares 2.078M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $132.29 Million

About MUNCY COLUMBIA FINANCIAL Corp

Muncy Columbia Financial Corp. operates as a holding company whose subsidiaries provide banking services. The company is headquartered in Bloomsburg, Pennsylvania and currently employs 270 full-time employees. The firm has one subsidiary bank, Journey Bank (the Bank). The Bank is a state-chartered, nonmember bank, whose deposits are insured by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation (FDIC). The Bank serves the needs of individuals and small to medium-sized businesses. The Bank is a full-service commercial bank providing a range of services and products, including time and demand deposit accounts, consumer, commercial and mortgage loans to individuals and small to medium-sized businesses in its Northcentral Pennsylvania market area. The Bank also operates a full-service trust department and offers brokerage services through a third-party networking agreement. The Bank has 22 branch banking offices, which are located in the Pennsylvania counties of Clinton, Columbia, Lycoming, Montour, Northumberland and Sullivan Counties.

Industry: State Commercial Banks Peers: TRUIST FINANCIAL CORP Cullman Bancorp, Inc. /MD/ FIRST OTTAWA BANCSHARES, INC Pathfinder Bancorp, Inc.