Filing Flows › Muncy Columbia Financial (CCFN) › Q3 2026
Muncy Columbia Financial (CCFN) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Muncy Columbia Financial (CCFN) reported revenue of $18.2M for the third quarter 2026 (Q3 2026), -2% from a year earlier and -6% from the quarter before. Operating margin was 39.8%, net earnings $6.0M (33.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $18.2M | -6% | -2% |
| Operating profit | $7.3M | -15% | -10% |
| Net earnings | $6.0M | -16% | -10% |
| Operating cash flow | $7.3M | +30% | -4% |
| Free cash flow | $7.2M | +50% | -3% |
What changed
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.
Questions
What was Muncy Columbia Financial's revenue in the third quarter 2026?
Muncy Columbia Financial (CCFN) reported revenue of $18.2M for the third quarter 2026 (Q3 2026), -2% from a year earlier and -6% from the quarter before.
Was Muncy Columbia Financial profitable in the third quarter 2026?
Operating profit was $7.3M (39.8% of revenue) and net earnings $6.0M.