Is CCFNB Bancorp, Inc. overvalued or undervalued?

As of 22 April 2025, the valuation grade for CCFNB Bancorp, Inc. has moved from attractive to fair. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 8, a Price to Book Value of 0.96, and an EV to EBITDA of 9.21. In comparison to peers, CCFNB Bancorp's P/E ratio of 8.545 is slightly higher than its own, indicating a competitive position within the industry.
When looking at recent performance, CCFNB Bancorp has outperformed the S&P 500 on a year-to-date basis with a return of 18.23% compared to the S&P 500's 12.22%, but it has lagged significantly over longer periods, such as the 3-year and 5-year returns. Overall, the company is positioned fairly within its sector, but its long-term performance relative to broader market indices suggests potential areas for improvement.