GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Muncy Columbia Financial Corp (OTCPK:CCFN) » Definitions » Return-on-Tangible-Equity

Muncy Columbia Financial (Muncy Columbia Financial) Return-on-Tangible-Equity : 13.78% (As of Mar. 2024)


View and export this data going back to . Start your Free Trial

What is Muncy Columbia Financial Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Muncy Columbia Financial's annualized net income for the quarter that ended in Mar. 2024 was $16.14 Mil. Muncy Columbia Financial's average shareholder tangible equity for the quarter that ended in Mar. 2024 was $117.11 Mil. Therefore, Muncy Columbia Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2024 was 13.78%.

The historical rank and industry rank for Muncy Columbia Financial's Return-on-Tangible-Equity or its related term are showing as below:

CCFN' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.49   Med: 9.77   Max: 11.65
Current: 5.52

During the past 13 years, Muncy Columbia Financial's highest Return-on-Tangible-Equity was 11.65%. The lowest was 3.49%. And the median was 9.77%.

CCFN's Return-on-Tangible-Equity is ranked worse than
77.32% of 1455 companies
in the Banks industry
Industry Median: 10.72 vs CCFN: 5.52

Muncy Columbia Financial Return-on-Tangible-Equity Historical Data

The historical data trend for Muncy Columbia Financial's Return-on-Tangible-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Muncy Columbia Financial Return-on-Tangible-Equity Chart

Muncy Columbia Financial Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec22 Dec23
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.37 9.14 9.61 11.65 3.49

Muncy Columbia Financial Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Sep19 Sep20 Sep21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.95 7.09 5.75 -4.82 13.78

Competitive Comparison of Muncy Columbia Financial's Return-on-Tangible-Equity

For the Banks - Regional subindustry, Muncy Columbia Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Muncy Columbia Financial's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Muncy Columbia Financial's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Muncy Columbia Financial's Return-on-Tangible-Equity falls into.



Muncy Columbia Financial Return-on-Tangible-Equity Calculation

Muncy Columbia Financial's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2023 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2023 )  (A: Dec. 2022 )(A: Dec. 2023 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2023 )  (A: Dec. 2022 )(A: Dec. 2023 )
=3.387/( (78.005+116.321 )/ 2 )
=3.387/97.163
=3.49 %

Muncy Columbia Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2024 )  (Q: Dec. 2023 )(Q: Mar. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2024 )  (Q: Dec. 2023 )(Q: Mar. 2024 )
=16.144/( (116.321+117.908)/ 2 )
=16.144/117.1145
=13.78 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2024) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


Muncy Columbia Financial  (OTCPK:CCFN) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Muncy Columbia Financial Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of Muncy Columbia Financial's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Muncy Columbia Financial (Muncy Columbia Financial) Business Description

Traded in Other Exchanges
N/A
Address
232 East Street, P.O. Box 240, Bloomsburg, PA, USA, 17815
Muncy Columbia Financial Corp is a registered financial holding company. It has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Lycoming, Montour, Northumberland, Sullivan and Clinton Counties through 22 banking offices.
Executives
Robert W Dillon director PO BOX 180, BLOOMSBURG PA 17815
Kile Willard H Jr director
Charles B Pursel director 120 WEST MAIN STREET, BLOOMSBURG PA 17815
P Jeffrey Hill director 2204 SHASTA DRIVE, BLOOMSBURG PA 17815
Jeffrey Thomas Arnold officer: Treasurer, CFO 1414 BRUSHY RIDGE ROAD, MONTOURSVILLE PA 17754
Gittler William F Jr director PMB 288, SUITE 1, 150 EAST NINTH ST., BLOOMSBURG PA 17815
Paul K Page officer: Senior Vice President 11 WEST MAIN STREET, BLOOMSBURG PA 17815
Shirley K Alters officer: Senior Vice President & CFO 19 APPLE LANE, BLOOMSBURG PA 17815
Steven H Shannon director PO BOX 803, BLOOMSBURG PA 17815
Glenn E Halterman director 1417 TREELINE DRIVE, BLOOMSBURG PA 17815
Naugle Mary Ann B director 68 VISTA ROAD, BERWICK PA 18603
Joanne I Keenan director 2 BITTERSWEET DRIVE, BLOOMSBURG PA 17815
Andrew B Pruden director THE INN AT TURKEY HILL, 991 CENTRAL ROAD, BLOOMSBURG PA 17815
Harding Elwood R Jr director
Mcmichael W Bruce Jr director 83 DEER PATH DR, BERWICK PA 18603

Muncy Columbia Financial (Muncy Columbia Financial) Headlines

From GuruFocus

SHAREHOLDER ALERT: Weiss Law Investigates CCFNB Bancorp, Inc.

By PRNewswire PRNewswire 04-19-2023

CCFNB Bancorp Inc's Dividend Analysis

By GuruFocus Research 10-16-2023