ScoreWhy is Muncy Columbia Financial Corp. ?
1
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 30.05 MM
- NII(Q) Highest at USD 14.81 MM
- ROCE(HY) Highest at 1.27%
2
With ROA of 0.00%, it has a does not qualify valuation with a 0.00 Price to Book Value
- Over the past year, while the stock has generated a return of 40.25%, its profits have fallen by 0%
3
Market Beating Performance
- The stock has generated a return of 40.25% in the last 1 year, much higher than market (S&P 500) returns of 12.26%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Muncy Columbia Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Muncy Columbia Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Muncy Columbia Financial Corp.
57.0%
3.05
27.66%
S&P 500
16.41%
0.62
19.74%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.67%
EBIT Growth (5y)
13.73%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.26%
Pledged Shares
0
Institutional Holding
1.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.20
EV to EBIT
8.87
EV to EBITDA
7.91
EV to Capital Employed
1.21
EV to Sales
2.61
PEG Ratio
0.35
Dividend Yield
NA
ROCE (Latest)
13.59%
ROE (Latest)
12.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 16.27 MM
ROCE(HY)
Highest at 1.48%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 22.91 MM
OPERATING PROFIT(Q)
Highest at USD 8.94 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.01 %
PRE-TAX PROFIT(Q)
Highest at USD 8.97 MM
NET PROFIT(Q)
Highest at USD 7.39 MM
EPS(Q)
Highest at USD 2.09
-3What is not working for the Company
ROCE(HY)
Lowest at 1.48%
CREDIT DEPOSIT RATIO(HY)
Lowest at 83.35%
Here's what is working for Muncy Columbia Financial Corp.
NII
Highest at USD 16.27 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 22.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 8.94 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 39.01 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 8.97 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 7.39 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 15.92%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Muncy Columbia Financial Corp.
Credit Deposit Ratio
Lowest at 83.35%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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