Filing Flows › Muncy Columbia Financial (CCFN) › Q3 2026 › vs Q3 2025
Muncy Columbia Financial (CCFN) Q3 2026 vs Q3 2025 (year over year)
Muncy Columbia Financial's revenue fell $299K (-2%) from $18.5M in Q3 2025 to $18.2M in Q3 2026. The biggest changes: Noninterest income −$2.3M (-79%); Net interest income +$2.0M (+13%). Operating margin 39.8% against 43.6% (-3.8 pts).
Muncy Columbia Financial, Q3 2026: revenue $18.2M (-2% year over year), operating margin 39.8%, net earnings $6.0M, operating cash flow $7.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.8% | 43.6% | -3.8 pts |
| Net margin | 33.1% | 36.2% | -3.1 pts |
| Free cash flow margin | 39.3% | 40.0% | -0.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $17.6M | $15.7M | $2.0M | +13% |
| Noninterest income | $611K | $2.9M | −$2.3M | -79% |
| Revenue | $18.2M | $18.5M | −$299K | -2% |
| Operating profit | $7.3M | $8.1M | −$832K | -10% |
| Costs & expenses | $11.0M | $10.5M | $533K | +5% |
| Pre-tax earnings | $7.3M | $8.1M | −$832K | -10% |
| Credit loss provision | $942K | $479K | $463K | +97% |
| Noninterest expense | $10.0M | $10.0M | $70K | +0.7% |
| Net earnings | $6.0M | $6.7M | −$676K | -10% |
| Income tax | $1.2M | $1.4M | −$156K | -11% |
| Working capital & other | $1.2M | $852K | $385K | +45% |
| Operating cash flow | $7.3M | $7.6M | −$291K | -4% |
| Free cash flow (OCF − capex) | $7.2M | $7.4M | −$257K | -3% |
| Capital expenditures | $113K | $147K | −$34K | -23% |
Questions
How much did Muncy Columbia Financial's revenue grow year over year in Q3 2026?
Muncy Columbia Financial's revenue fell $299K (-2%) from $18.5M in Q3 2025 to $18.2M in Q3 2026.
What drove Muncy Columbia Financial's revenue change in Q3 2026?
Noninterest income −$2.3M (-79%); Net interest income +$2.0M (+13%).