MUNCY COLUMBIA FINANCIAL Corp
CCFN · State Commercial Banks · 3.5M shares · +10%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: $2M (gross $2M)
Reference price $28.00 · est. market cap ~$99M — last insider sale, 2026-06-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B71Muncy Columbia Financial — high-ROA Pennsylvania community bank.
Strengths
- ROE 12.6% (81st pct), ROA (84th)
- Net income +27%
Risks
- Low cash position (15th pct)
- Regional concentration
- Rate sensitivity
Notable findings
- Chronic dilutionShare count +10%/yr over 1y (dilution, book value/share -1%)
- Insider buyingInsider buying — 30 open-market buy(s) by 7 insider(s) (cluster of 7 insiders, ~$324,667, last 6mo) Form 4 ↗
Key metrics
Return on equity
12.6%
Return on assets
1.4%
Net-income growth
27.3%
Debt / equity
0.2×
Free cash flow
$22M
Tangible book value
$159M
Cash & investments
$49M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Tompkins Bonnie M | Sell | 736 | $28.00 |
| 2026-05-26 | MCMICHAEL W BRUCE JR | Buy | 926 | $26.99 |
| 2026-05-21 | MCMICHAEL W BRUCE JR | Buy | 932 | $26.80 |
| 2026-05-04 | Glunk Robert J | Buy | 2 | $74.75 |
| 2026-05-04 | Glunk Robert J | Buy | 12 | $74.75 |
| 2026-05-04 | Glunk Robert J | Buy | 4 | $74.75 |
| 2026-05-04 | Glunk Robert J | Buy | 4 | $74.75 |
| 2026-05-04 | Glunk Robert J | Buy | 13 | $74.75 |
| 2026-05-04 | Glunk Robert J | Buy | 2 | $74.75 |
| 2026-05-01 | Glunk Robert J | Buy | 6 | $74.27 |
| 2026-04-30 | Lehman Jessica M. | Buy | 174 | $72.12 |
| 2026-04-29 | Klingerman Brian D | Buy | 1.0K | $73.50 |
| 2026-04-28 | Tompkins Bonnie M | Buy | 69 | $73.10 |
| 2026-04-28 | Tompkins Bonnie M | Buy | 67 | $73.10 |
| 2026-03-06 | Kline Loni N. | Buy | 312 | $61.85 |
| 2026-03-05 | Tompkins Bonnie M | Buy | 91 | $61.89 |
| 2026-03-05 | Kline Loni N. | Buy | 498 | $61.85 |
| 2026-03-02 | Tompkins Bonnie M | Buy | 158 | $61.00 |
| 2026-03-02 | Tompkins Bonnie M | Buy | 58 | $61.00 |
| 2026-02-03 | Tompkins Bonnie M | Buy | 300 | $59.25 |
| 2026-02-03 | Tompkins Bonnie M | Buy | 250 | $59.25 |
| 2026-01-29 | Tompkins Bonnie M | Buy | 381 | $60.00 |
| 2026-01-29 | Williams Brenda R H | Buy | 400 | $60.00 |
| 2026-01-29 | Tompkins Bonnie M | Buy | 267 | $60.00 |
| 2026-01-28 | Lehman Jessica M. | Buy | 100 | $60.00 |
| 2026-01-27 | Glunk Robert J | Buy | 8 | $59.55 |
| 2026-01-27 | Glunk Robert J | Buy | 25 | $59.55 |
| 2026-01-27 | Glunk Robert J | Buy | 25 | $59.55 |
| 2026-01-27 | Glunk Robert J | Buy | 10 | $59.55 |
| 2026-01-27 | Glunk Robert J | Buy | 9 | $59.55 |
| 2026-01-27 | Glunk Robert J | Buy | 9 | $59.55 |
| 2025-12-12 | Williams Brenda R H | Buy | 25 | $56.81 |
| 2025-12-11 | Tompkins Bonnie M | Sell | 150 | $54.75 |
| 2025-12-11 | Williams Brenda R H | Buy | 50 | $54.78 |
| 2025-10-29 | Williams Brenda R H | Buy | 150 | $53.00 |
| 2025-10-23 | Glunk Robert J | Buy | 7 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 23 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 23 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 18 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 3 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 4 | $54.89 |
| 2025-10-23 | Glunk Robert J | Buy | 3 | $54.89 |
| 2025-09-04 | WENNER EDWIN A | Buy | 125 | $49.00 |
| 2025-08-05 | Glunk Robert J | Buy | 233 | $50.41 |
| 2025-04-29 | Glunk Robert J | Buy | 17 | $42.01 |
| 2025-04-29 | Glunk Robert J | Buy | 37 | $42.01 |
| 2025-04-29 | Glunk Robert J | Buy | 37 | $42.01 |
| 2025-04-29 | Glunk Robert J | Buy | 41 | $42.01 |
| 2025-04-29 | Glunk Robert J | Buy | 18 | $42.01 |
| 2025-03-11 | Weinhoffer Kevin | Buy | 17 | $41.07 |
| 2025-02-27 | Weinhoffer Kevin | Buy | 482 | $42.06 |
| 2025-02-26 | Weinhoffer Kevin | Buy | 501 | $42.06 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-12 | OtherExhibits | filing ↗ |
| 2026-04-24 | Shareholder voteReg FDExhibits | filing ↗ |
| 2026-04-23 | OtherExhibits | filing ↗ |
| 2026-04-20 | ResultsExhibits | filing ↗ |
| 2026-02-18 | Reg FDOtherExhibits | filing ↗ |
| 2026-01-29 | Material agreementExhibits | filing ↗ |
| 2026-01-21 | Acquisition/dispositionExhibits | filing ↗ |
| 2025-11-13 | Exec/director changeExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-12 | 2026-05-12 | 0001174947-26-000579 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001174947-26-000564 ↗ |
| 8-K | 2026-04-24 | 2026-04-24 | 0001174947-26-000509 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001174947-26-000503 ↗ |
| 8-K | 2026-04-20 | 2026-04-20 | 0001174947-26-000491 ↗ |
| 10-K | 2026-03-06 | 2025-12-31 | 0001174947-26-000299 ↗ |
| 8-K | 2026-02-18 | 2026-02-18 | 0001174947-26-000185 ↗ |
| 8-K | 2026-01-29 | 2026-01-28 | 0001174947-26-000109 ↗ |
| 8-K | 2026-01-21 | 2026-01-21 | 0001174947-26-000064 ↗ |
| 8-K | 2025-11-13 | 2025-11-12 | 0001174947-25-001385 ↗ |
| 8-K | 2025-11-10 | 2025-11-10 | 0001174947-25-001364 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001174947-25-001348 ↗ |