CCFNB Bancorp Inc
Muncy Columbia Financial Corporation operates as the bank holding company for Journey Bank that provides banking and financial products and services to individual, business, and government customers in Pennsylvania. It offers deposit services, including noninterest-bearing and interest-bearing checking, savings, repo sweep, individual retirement, and money market accounts; demand and time deposit… Read more
CCFNB Bancorp Inc (CCFN) - Net Assets
Latest net assets as of September 2025: $184.49 Million USD
Based on the latest financial reports, CCFNB Bancorp Inc (CCFN) has net assets worth $184.49 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.65 Billion) and total liabilities ($1.47 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $184.49 Million |
| % of Total Assets | 11.15% |
| Annual Growth Rate | 7.67% |
| 5-Year Change | 57.46% |
| 10-Year Change | 100.37% |
| Growth Volatility | 21.37 |
CCFNB Bancorp Inc - Net Assets Trend (1995–2024)
This chart illustrates how CCFNB Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CCFNB Bancorp Inc (1995–2024)
The table below shows the annual net assets of CCFNB Bancorp Inc from 1995 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $166.41 Million | +8.18% |
| 2023-12-31 | $153.82 Million | +78.99% |
| 2022-12-31 | $85.94 Million | -17.63% |
| 2021-12-31 | $104.34 Million | -1.27% |
| 2020-12-31 | $105.69 Million | +5.75% |
| 2019-12-31 | $99.94 Million | +7.24% |
| 2018-12-31 | $93.20 Million | +3.89% |
| 2017-12-31 | $89.71 Million | +4.11% |
| 2016-12-31 | $86.17 Million | +3.75% |
| 2015-12-31 | $83.05 Million | +3.70% |
| 2014-12-31 | $80.08 Million | +5.66% |
| 2013-12-31 | $75.80 Million | +1.69% |
| 2012-12-31 | $74.54 Million | +4.37% |
| 2011-12-31 | $71.42 Million | +5.25% |
| 2010-12-31 | $67.85 Million | +4.25% |
| 2009-12-31 | $65.09 Million | +7.09% |
| 2008-12-31 | $60.77 Million | +92.16% |
| 2007-12-31 | $31.63 Million | +4.55% |
| 2006-12-31 | $30.25 Million | +4.26% |
| 2005-12-31 | $29.01 Million | +1.77% |
| 2004-12-31 | $28.51 Million | +3.27% |
| 2003-12-31 | $27.60 Million | +2.84% |
| 2002-12-31 | $26.84 Million | +3.06% |
| 2001-12-31 | $26.04 Million | +3.96% |
| 2000-12-31 | $25.05 Million | +8.69% |
| 1999-12-31 | $23.05 Million | -1.84% |
| 1998-12-31 | $23.48 Million | +6.22% |
| 1997-12-31 | $22.10 Million | +7.01% |
| 1996-12-31 | $20.66 Million | +5.87% |
| 1995-12-31 | $19.51 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CCFNB Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 773.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $103.27 Million | 62.06% |
| Other Components | $63.14 Million | 37.94% |
| Total Equity | $166.41 Million | 100.00% |
CCFNB Bancorp Inc Competitors by Market Cap
The table below lists competitors of CCFNB Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Camlin Fine Sciences Limited
NSE:CAMLINFINE
|
$130.29 Million |
|
Kis Wire
KO:002240
|
$130.32 Million |
|
BioPorto A/S
PINK:THOXF
|
$130.33 Million |
|
Locaweb Serviços de Internet S.A.
SA:LWSA3
|
$130.33 Million |
|
Sariguna Primatirta PT
JK:CLEO
|
$130.24 Million |
|
Friedman Industries Inc. Common Stock
NYSE MKT:FRD
|
$130.23 Million |
|
TrueLight
TWO:3234
|
$130.22 Million |
|
Gokul Agro Resources Limited
NSE:GOKULAGRO
|
$130.21 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CCFNB Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 153,825,000 to 166,410,000, a change of 12,585,000 (8.2%).
- Net income of 19,023,000 contributed positively to equity growth.
- Dividend payments of 6,269,000 reduced retained earnings.
- Share repurchases of 1,517,000 reduced equity.
- New share issuances of 187,000 increased equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $19.02 Million | +11.43% |
| Dividends Paid | $6.27 Million | -3.77% |
| Share Repurchases | $1.52 Million | -0.91% |
| Share Issuances | $187.00K | +0.11% |
| Other Changes | $1.16 Million | +0.7% |
| Total Change | $- | 8.18% |
Book Value vs Market Value Analysis
This analysis compares CCFNB Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.87x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.86x to 0.87x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $14.27 | $40.75 | x |
| 1996-12-31 | $15.01 | $40.75 | x |
| 1997-12-31 | $16.00 | $40.75 | x |
| 1998-12-31 | $17.03 | $40.75 | x |
| 1999-12-31 | $16.75 | $40.75 | x |
| 2000-12-31 | $18.48 | $40.75 | x |
| 2001-12-31 | $19.46 | $40.75 | x |
| 2002-12-31 | $20.50 | $40.75 | x |
| 2003-12-31 | $21.54 | $40.75 | x |
| 2004-12-31 | $22.37 | $40.75 | x |
| 2005-12-31 | $22.99 | $40.75 | x |
| 2006-12-31 | $24.20 | $40.75 | x |
| 2007-12-31 | $25.64 | $40.75 | x |
| 2008-12-31 | $35.99 | $40.75 | x |
| 2009-12-31 | $28.89 | $40.75 | x |
| 2010-12-31 | $30.40 | $40.75 | x |
| 2011-12-31 | $32.10 | $40.75 | x |
| 2012-12-31 | $33.88 | $40.75 | x |
| 2013-12-31 | $34.75 | $40.75 | x |
| 2014-12-31 | $36.85 | $40.75 | x |
| 2015-12-31 | $38.44 | $40.75 | x |
| 2016-12-31 | $40.29 | $40.75 | x |
| 2017-12-31 | $42.07 | $40.75 | x |
| 2018-12-31 | $43.77 | $40.75 | x |
| 2020-12-31 | $50.60 | $40.75 | x |
| 2021-12-31 | $50.15 | $40.75 | x |
| 2022-12-31 | $41.30 | $40.75 | x |
| 2023-12-31 | $43.08 | $40.75 | x |
| 2024-12-31 | $47.11 | $40.75 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CCFNB Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.43%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.27%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.59x
- Recent ROE (11.43%) is above the historical average (8.37%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 8.33% | 225.65% | 0.00x | 8.31x | $-326.30K |
| 1996 | 8.83% | 219.78% | 0.00x | 8.23x | $-241.20K |
| 1997 | 9.16% | 234.43% | 0.00x | 7.87x | $-184.99K |
| 1998 | 8.10% | 179.63% | 0.01x | 7.89x | $-445.57K |
| 1999 | 8.85% | 180.81% | 0.01x | 8.51x | $-265.48K |
| 2000 | 8.20% | 26.52% | 0.04x | 8.11x | $-450.94K |
| 2001 | 7.90% | 25.89% | 0.04x | 8.23x | $-547.61K |
| 2002 | 7.16% | 23.30% | 0.04x | 8.53x | $-761.74K |
| 2003 | 7.84% | 25.86% | 0.04x | 8.44x | $-597.44K |
| 2004 | 7.78% | 25.47% | 0.04x | 8.26x | $-633.24K |
| 2005 | 7.67% | 24.67% | 0.04x | 7.97x | $-675.20K |
| 2006 | 7.97% | 24.61% | 0.04x | 8.00x | $-613.24K |
| 2007 | 8.37% | 24.96% | 0.04x | 7.76x | $-515.77K |
| 2008 | 5.06% | 18.22% | 0.03x | 9.35x | $-3.00 Million |
| 2009 | 9.03% | 23.63% | 0.04x | 9.26x | $-631.60K |
| 2010 | 9.29% | 24.01% | 0.04x | 9.05x | $-481.40K |
| 2011 | 9.49% | 26.34% | 0.04x | 8.75x | $-365.50K |
| 2012 | 9.60% | 28.02% | 0.04x | 8.15x | $-300.60K |
| 2013 | 9.00% | 28.44% | 0.04x | 8.23x | $-761.60K |
| 2014 | 8.53% | 28.02% | 0.04x | 7.98x | $-1.17 Million |
| 2015 | 8.32% | 28.33% | 0.04x | 7.79x | $-1.40 Million |
| 2016 | 8.31% | 29.19% | 0.04x | 7.82x | $-1.45 Million |
| 2017 | 8.14% | 27.64% | 0.04x | 7.91x | $-1.67 Million |
| 2018 | 8.61% | 30.18% | 0.04x | 7.79x | $-1.29 Million |
| 2019 | 8.93% | 32.00% | 0.04x | 7.43x | $-1.07 Million |
| 2020 | 8.83% | 31.41% | 0.03x | 8.09x | $-1.24 Million |
| 2021 | 9.01% | 31.48% | 0.03x | 9.13x | $-1.03 Million |
| 2022 | 11.07% | 33.50% | 0.03x | 10.98x | $919.80K |
| 2023 | 2.20% | 11.15% | 0.02x | 10.66x | $-12.00 Million |
| 2024 | 11.43% | 31.27% | 0.04x | 9.59x | $2.38 Million |
Industry Comparison
This section compares CCFNB Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CCFNB Bancorp Inc (CCFN) | $184.49 Million | 8.33% | 7.97x | $130.27 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |