CCFNB Bancorp, Inc.
CCFNB Bancorp, Inc. Fundamental Analysis
CCFNB Bancorp, Inc. (CCFN) shows strong financial fundamentals with a PE ratio of 8.93, profit margin of 26.91%, and ROE of 14.51%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 6.80%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 77.5/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze CCFN's fundamental strength across five key dimensions:
Efficiency Score
WeakCCFN struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCCFN trades at attractive valuation levels.
Growth Score
ExcellentCCFN delivers strong and consistent growth momentum.
Financial Health Score
ExcellentCCFN maintains a strong and stable balance sheet.
Profitability Score
ModerateCCFN maintains healthy but balanced margins.
Key Financial Metrics
Is CCFN Expensive or Cheap?
P/E Ratio
CCFN trades at 8.93 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CCFN's PEG of 0.77 indicates potential undervaluation.
Price to Book
The market values CCFNB Bancorp, Inc. at 1.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.77 times EBITDA. This is generally considered low.
How Well Does CCFN Make Money?
Net Profit Margin
For every $100 in sales, CCFNB Bancorp, Inc. keeps $26.91 as profit after all expenses.
Operating Margin
Core operations generate 32.47 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.51 in profit for every $100 of shareholder equity.
ROA
CCFNB Bancorp, Inc. generates $1.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CCFNB Bancorp, Inc. generates strong operating cash flow of $45.37M, reflecting robust business health.
Free Cash Flow
CCFNB Bancorp, Inc. generates strong free cash flow of $43.96M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $12.43 in free cash annually.
FCF Yield
CCFN converts 18.20% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.93
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.77
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.40
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.27
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.77
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CCFN Stacks Against Its Sector Peers
| Metric | CCFN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.93 | 18.99 | Better (Cheaper) |
| ROE | 14.51% | 821.00% | Weak |
| Net Margin | 26.91% | 1914.00% | Weak |
| Debt/Equity | 0.27 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.77 | 657.31 | Neutral |
| ROA | 1.57% | -25084.00% (disorted) | Weak |
CCFN outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CCFNB Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
77.67%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
53.44%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
85.01%
Industry Style: Value, Dividend, Cyclical
High Growth