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Muncy Columbia Financial (CCFN) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Muncy Columbia Financial (CCFN) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $18.2M · 33¢ of every $1 of revenue kept as net profit · operating margin 39.8%
Muncy Columbia Financial made $18.2M in Q3 2026 (-2% Y/Y): Net interest income $17.6M, Noninterest income $611K. Operating margin 39.8%, net earnings $6.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $18.2M in Q3 2026, down 2% year over year and down 6% from the previous quarter. Net interest income was the largest line at 97% of revenue. Noninterest income lost $2.3M year over year (down 79%), 763% of the total change.
Operating profit was $7.3M, a 39.8% margin (down 3.8 points year over year). Total costs grew 5% against a revenue fall of 2%. The fastest-growing cost line was Credit loss provision (+97%). Net earnings were $6.0M, down 10% year over year. The effective tax rate was 16.7%.
Operating cash flow was $7.3M (down 4% year over year), 120% of net earnings. Working capital and other items added $1.2M. Capital expenditures of $113K left free cash flow of $7.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $18.2M | -2% | 39.8% | $6.0M | $7.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Muncy Columbia Financial
Muncy Columbia Financial Corporation (the “Corporation”) is a registered financial holding company, bank holding company, and Pennsylvania business corporation, headquartered in Bloomsburg, Pennsylvania. The Corporation has one wholly-owned bank subsidiary, Journey Bank (the “Bank”). A substantial part of the Corporation’s business consists of the management and supervision of the Bank. The Corporation’s principal source of income is dividends paid by the Bank. At December 31, 2025, the Corporation, on a consolidated basis, had approximately:
In its own words, from its 10-K, filed Mar 6, 2026.
Muncy Columbia Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 39.8% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CCFN Muncy Columbia Financial | Q3 2026 | $18.2M | -2% | 39.8% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Muncy Columbia Financial 10-Q on SEC EDGAR · CIK 731122 · State Commercial Banks
Guidance and outlook
More on CCFN
History
Every quarter: Q3 2026 results