{"filings":[{"id":27721,"accession_number":"0001174947-26-000579","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-05-12T14:52:48+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial declares $0.155 quarterly dividend, authorizes 530,611-share buyback","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.155 per share for Q2 2026; payable June 11, 2026 to holders of record May 26, 2026.","Board authorized new treasury stock repurchase program for up to 530,611 shares, representing 5% of outstanding common shares.","Buyback program effective May 15, 2026 through May 15, 2028; shares repurchased held as treasury for future use."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98579,"accession_number":"0001174947-26-000509","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Shareholders elect four Class 1 directors and ratify auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Class 1 directors elected: Robert J. Glunk, Willard H. Kile Jr., Steven H. Shannon, Edwin A. Wenner; all received >1.4M votes for.","Ratification of S.R. Snodgrass P.C. as independent auditor for 2026: 2,322,155 for, 50,426 against, 27,231 abstain.","Management presentation delivered at April 23 annual meeting; no specific financial figures disclosed in filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98578,"accession_number":"0001174947-26-000503","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial declares 3-for-1 stock split; record May 7","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Three-for-one split in form of 200% stock dividend; shareholders get 2 additional shares per share held.","Record date May 7, 2026; distribution after close on May 14, 2026.","Post-split shares outstanding: 10,612,227 (net of treasury).","CEO cites strong financial performance; split aims to increase liquidity and trading volumes.","Ticker CCFN; parent of Journey Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98577,"accession_number":"0001174947-26-000491","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Q1 net income $7.2M ($2.02 EPS) up 65% YoY; declares special $1.00 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.16M ($2.02 diluted EPS) vs $4.35M ($1.23) YoY; ROAA 1.72% vs 1.10%.","Net interest margin widened to 4.33% from 3.83%; provision for credit losses $69K.","Sold $9.1M of delinquent mortgage loans for $9.1M, booking $714K pretax loss.","Non-performing assets fell to 0.55% of assets from 0.72%; special $1.00 dividend declared."],"consensus_eps_estimate":null,"consensus_eps_actual":2.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114146,"accession_number":"0001174947-26-000185","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-02-18T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Muncy Columbia declares $0.46 quarterly dividend (+1¢) and $1.00 special; 2025 EPS $6.85","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend raised to $0.46 per share from $0.45 (Q4 2025); payable March 19, 2026.","Special one-time cash dividend of $1.00 per share; payable April 23, 2026 to holders of record April 8.","2025 net income $24.2M ($6.85 EPS) vs $19.0M ($5.33 EPS) in 2024 – record earnings.","Book value per share rose 15.6% to $54.44; Tier 1 Leverage Ratio improved to 9.93%.","Past-due loans declined to 1.11% from 1.72% year-over-year, reflecting improved credit quality."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114145,"accession_number":"0001174947-26-000109","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Journey Bank sells $9.8M delinquent mortgage portfolio for $9.1M; records $0.7M pretax charge in Q1 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 82 delinquent/nonperforming/reperforming 1-4 family residential mortgage loans for ~$9.1M cash; outstanding principal balance was ~$9.8M.","Pretax charge of ~$0.7M to be recognized in quarter ending March 31, 2026.","Asset Purchase and Interim Servicing Agreement with RCF II Loan Acquisition, LP; Raymond James Mortgage Company acted as facilitator.","Interim servicing period from Jan 28, 2026 to Servicing Transfer Date (expected March 6, 2026)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114144,"accession_number":"0001174947-26-000064","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial posts record Q4 net income of $7.4M; EPS up 42% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $7.39M ($2.09/share) vs $5.22M ($1.47/share) in Q4 2024, a 42% increase.","Full-year 2025 net income $24.23M ($6.85/share) vs $19.02M ($5.33/share) in 2024, a 27% increase.","Net interest margin expanded to 4.27% from 3.63% in Q4 2024; net interest income up $2.88M to $16.27M.","Recorded a $4,000 credit for credit losses vs $567,000 provision in Q4 2024; NPA ratio 0.72% of assets, down from Q3 2025.","Book value per share $54.44 (up from $47.11); 2025 dividends of $2.30/share incl. special $0.50."],"consensus_eps_estimate":null,"consensus_eps_actual":6.85,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130529,"accession_number":"0001174947-25-001385","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Stephen M. Tasselli to resign Dec 31, 2025; joins Journey Bank advisory board at $25k/yr","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Stephen M. Tasselli notified board of resignation as director of Muncy Columbia Financial and Journey Bank, effective Dec 31, 2025, with no disagreement.","Effective Jan 1, 2026, Tasselli appointed to Journey Bank Advisory Board for term through Feb 2027.","Advisory board compensation set at $25,000 per year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130528,"accession_number":"0001174947-25-001364","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial declares Q4 dividend of $0.45, up $0.01 YoY, plus $0.50 special dividend in 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared regular quarterly cash dividend of $0.45/share, payable Dec 11, 2025 to holders of record Nov 25, 2025.","Q4 2025 dividend of $0.45 represents a $0.01 increase over Q4 2024's $0.44 per share.","Year-to-date dividends for 2025 total $2.30/share, including a $0.50 special one-time dividend, vs $1.76 in 2024.","Dividend increase reflects ongoing financial strength; Journey Bank remains well-capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130527,"accession_number":"0002077096-25-000166","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-10-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial Q3 net income up 33% to $1.90 per share; net interest margin expands to 4.15%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.7M ($1.90/diluted share) vs $5.1M ($1.42) in Q3 2024, up 33%.","Net interest margin (FTE) 4.15% vs 3.48%; net interest income rose $2.9M to $15.7M.","Non-performing assets increased to $15.5M (0.94% of assets) from $10.1M, due to higher non-accrual loans.","Book value per share $52.17 vs $47.11; equity/assets ratio 11.15% vs 10.43%.","Third quarter dividend $0.45/share (up $0.01); nine-month dividends $1.85 inclusive of $0.50 special."],"consensus_eps_estimate":null,"consensus_eps_actual":4.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147082,"accession_number":"0001174947-25-001164","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-08-18T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Muncy Columbia Financial changes registered office to 1199 Lightstreet Road, PA","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Company filed Statement of Change of Registered Office with PA Dept of State effective Aug 18, 2025.","Registered office moved from 232 East Street, Bloomsburg to 1199 Lightstreet Road, Bloomsburg, PA 17815.","Subsidiary Journey Bank changed its principal place of business to same address effective Aug 15, 2025.","Former address at 232 East Street will continue as a branch office of Journey Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147081,"accession_number":"0001174947-25-001148","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial Declares Q3 Dividend of $0.45, up from $0.44 YoY","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.45 per share declared for Q3 2025, payable Sept 11, 2025 to holders of record Aug 26, 2025.","Dividend increased by $0.01 per share compared to $0.44 in Q3 2024.","Year-to-date dividends declared total $1.85 per share, including a $0.50 special one-time dividend.","Year-ago period YTD dividends were $1.32 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147080,"accession_number":"0001174947-25-001003","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-07-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial Q2 net income $5.77M, EPS $1.63, up 23% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.768M ($1.63 diluted EPS) vs $4.707M ($1.32) in Q2 2024; six-month net income $10.113M ($2.86) vs $8.743M ($2.45).","Net interest income $14.808M, up $2.448M YoY; net interest margin (FTE) improved to 4.04% from 3.43%.","ROA 1.44% and ROE 13.33% vs 1.20% and 12.28% a year ago; book value per share $49.87 vs $47.11 at Dec 2024.","Non-performing assets rose to $13.844M (0.86% of assets) from $10.117M (0.63%); provision for credit losses increased to $254K from $29K.","Total cash dividends of $0.95 per share paid in Q2 2025, including a $0.50 special dividend, vs $0.44 in Q2 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147079,"accession_number":"0001174947-25-000989","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-07-09T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Muncy Columbia amends exec retirement plans for CEO Diehl and EVP Arnold; updates death benefits, forfeiture","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["CEO Lance Diehl's SERP death benefit replaced with accrued benefit of $419,592; 50-mile non-compete forfeiture added.","EVP Jeffrey Arnold's SERP updated; accrued benefit $582,355; retirement benefit $90,000/yr for 15 years.","Both execs entered 2019 Split Dollar Plan; death benefit up to 350% of base salary, capped at $900,000.","Forfeiture clauses revised; non-compete applies during employment and benefit period, waived after change in control."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165618,"accession_number":"0001999371-25-006767","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Muncy Columbia declares $0.50 special dividend; Q1 2025 EPS $1.23 vs $1.13","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Special one-time cash dividend of $0.50 per share paid May 22, 2025 to record May 6, 2025.","Regular Q2 2025 dividend increased to $0.45 per share, payable June 12, 2025.","FY 2024 net income $19.0M ($5.33/share) vs $3.4M ($1.49/share) in 2023; Q1 2025 net income $4.3M ($1.23/share) vs $4.0M ($1.13/share).","YTD 2025 dividends declared total $1.40/share, including special, vs $0.88/share in 2024.","Corporate offices relocated to 1199 Lightstreet Road, Bloomsburg in May 2025 to consolidate executive team."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165617,"accession_number":"0001999371-25-005970","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial declares Q2 dividend of $0.45, up $0.01 from prior year","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.45 per share declared on May 13, 2025.","Payable June 12, 2025 to shareholders of record as of May 27, 2025.","Increase of $0.01 per share compared to Q2 2024 dividend of $0.44 per share.","Year-to-date dividends declared in 2025 total $1.40 per share (incl. $0.50 special), vs $0.88 in same 2024 period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165616,"accession_number":"0001999371-25-004599","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial holds annual meeting; 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Snodgrass P.C. as auditor approved: 2,420,587 for, 8,249 against.","Broker non-votes of 883,578 on director elections represent ~36% of shares outstanding.","Annual meeting slide presentation furnished under Regulation FD, no financial results disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165615,"accession_number":"0001999371-25-004513","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Q1 net income $4.3M ($1.23/sh) up 7.7% YoY; declares $0.50 special dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $4.345M ($1.23/sh) vs $4.036M ($1.13/sh) in Q1 2024; ROAA 1.10% and ROAE 10.33%.","Net interest income up $1.933M to $13.868M; NIM expanded to 3.83% from 3.32%.","Non-interest expense rose $1.445M to $11.091M, including $1.295M one-time costs for Executive Chairman retirement.","Special one-time cash dividend of $0.50/sh declared, payable May 22 to holders of record May 6, 2025.","Non-performing assets increased to $12.3M (0.77% of assets) from $10.1M (0.63%) on higher non-accrual loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183237,"accession_number":"0001999371-25-001553","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Executive Chairman Robert J. Glunk to depart active employment Feb 28; receives $650K lump sum, enhanced SERP benefit","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Glunk's last active day is Feb 28, 2025; he will remain Board Chairman with $75K annual stipend.","Lump sum severance of $650,000 payable within 15 days of termination; full SERP benefit of $150K/year for 15 years.","Split-dollar life insurance benefit capped at $900K; non-compete extended to 36 months and 100-mile radius with clawback.","Company transfers 2023 Jeep Gladiator and provides continued health/life benefits through age 65.","Separation Agreement includes standard release of claims and extended restrictive covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183236,"accession_number":"0001839882-25-008351","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial declares $0.45 Q1 dividend, up $0.01 sequentially","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a regular quarterly cash dividend of $0.45 per share for Q1 2025.","Dividend increased by $0.01 per share from Q4 2024's $0.44 per share.","Payable March 13, 2025, to shareholders of record as of February 25, 2025.","Company trades on OTCQX under symbol CCFN; parent of Journey Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183235,"accession_number":"0001999371-25-000560","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial Q4 net income $5.2M, EPS $1.47; FY EPS $5.33","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $5,224,000 ($1.47/share) vs net loss $1,186,000 ($0.41 loss) in Q4 2023.","Full-year 2024 net income $19,023,000 ($5.33/share) vs $3,387,000 ($1.49) in 2023; ROAA 1.30% vs (0.35%).","Net interest margin (FTE) 3.46% for 2024 vs 2.34% for 2023; equity/assets ratio 10.43% vs 9.38%.","Non-performing assets rose to $10.1M (0.63% of assets) from $8.6M (0.53%) at Sep 30, 2024, driven by non-accrual loans.","Book value per share $47.11 at Dec 31, 2024 vs $43.08 a year ago; dividends $1.76/share vs $1.71."],"consensus_eps_estimate":null,"consensus_eps_actual":5.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199820,"accession_number":"0001999371-24-015360","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-12-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CEO Diehl's employment amended: part-time option removed, SERP benefits extended to age 65 with increases","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Part-time provision (reduced days/salary) eliminated from CEO Lance Diehl's employment agreement; he remains full-time.","SERP payment start age changed from 60 to 65; annual benefit grows 3.5%/yr to max $106,892 at age 65.","SERP death benefit increased to $940,638-$1,179,643 depending on age; change-in-control benefit restricted to before age 60.","CEO Diehl and Exec Chairman Robert Glunk base salary raised 4% to $405,600 effective Jan 1, 2025, plus $100K cash bonuses for 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199819,"accession_number":"0001839882-24-044740","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-12-11T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Muncy Columbia amends bylaws on stock ownership; adopts new share ownership policy","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Bylaw Section 10.2 amended: directors must now \"beneficially own\" shares under SEC Rule 13d-3, replacing prior naming requirement.","New Section 16.4 authorizes board to set minimum beneficial ownership for designated officers by resolution.","Board adopted Share Ownership Policy: CEO/President $200k, Senior EVP $150k, CFO $100k (if not already Senior EVP).","Compliance deadline December 31, 2029 for current holders; 5 years for new appointees; promotions get 3-year extension."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199818,"accession_number":"0001999371-24-014629","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia declares $0.44 Q4 dividend, YTD total up to $1.76/share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.44 per share declared on Nov 12, 2024.","Payable Dec 12, 2024 to shareholders of record Nov 26, 2024.","Year-to-date dividends total $1.76/share in 2024 vs $1.71/share in 2023.","Parent of Journey Bank (OTCQX: CCFN)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199817,"accession_number":"0001999371-24-013583","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-10-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial Q3 net income $5.1M ($1.42/sh), up from $1.2M ($0.56/sh) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $5,056,000 ($1.42 per share) for Q3 2024 vs $1,171,000 ($0.56 per share) in Q3 2023.","Nine-month net income $13,799,000 ($3.86 per share) vs $4,573,000 ($2.20 per share) prior year.","Fully-tax equivalent net interest margin improved to 3.40% for nine months vs 2.29% prior year.","ROAA 1.26%, ROAE 12.34% for Q3 vs 0.63% and 6.78% a year ago.","Total assets $1.607B; book value per share $47.35; non-performing assets 0.53% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":3.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215837,"accession_number":"0001999371-24-010209","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-08-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia declares $0.44 quarterly dividend, payable Sept 12","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.44 per share for Q3 2024, approved August 13, 2024.","Payable September 12, 2024 to shareholders of record August 27, 2024.","Year-to-date dividends total $1.32 per share vs $1.28 per share in 2023.","Company trades on OTCQX under ticker CCFN."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215836,"accession_number":"0001999371-24-008842","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-07-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Financial Q2 net income $4.7M ($1.32/sh) vs $1.5M ($0.71) in Q2 2023","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $4.707M ($1.32 EPS) vs $1.462M ($0.71 EPS) in Q2 2023; 6-month net income $8.743M ($2.45 EPS).","Return on assets 1.20% and return on equity 12.28% for Q2 2024, up from 0.71% and 7.63% in Q2 2023.","Fully-tax equivalent net interest margin improved to 3.36% for H1 2024 from 2.32% in H1 2023.","Total deposits increased $52.1M as Bank migrated customer repurchase agreements to core deposits; short-term borrowings decreased $36.6M.","Book value per share $44.11 at June 30, 2024 vs $43.08 at Dec 31, 2023; equity-to-assets ratio 9.90%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235272,"accession_number":"0001999371-24-006995","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-06-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Muncy Columbia Q1 net income $4.04M ($1.13 EPS) vs $1.94M; dividend raised to $0.44","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4,036,000 for Q1 2024, up from $1,940,000 in Q1 2023; EPS $1.13 vs $0.93.","Return on assets 1.02% (0.82% prior year); return on equity 10.52% (8.94%).","Quarterly cash dividend increased to $0.44 per share from $0.42 in Q1 2023.","Total assets $1.573B vs $1.640B at Dec 31, 2023; loans net $1.071B.","Merger of First Columbia Bank & Trust Co. and The Muncy Bank & Trust Co. completed, forming Journey Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235271,"accession_number":"0001999371-24-006028","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Muncy Columbia declares $0.44 quarterly dividend, authorizes up to 5% share repurchase","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Quarterly dividend of $0.44 per share declared, payable June 13, 2024, to holders of record May 29, 2024.","Year-to-date dividends total $0.88 per share, up from $0.85 in the same period of 2023.","Board authorized repurchase of up to 178,614 shares (5% of outstanding) through May 14, 2026.","Repurchased shares to be held as treasury for reissuance, including under Employee Stock Purchase Plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235268,"accession_number":"0001999371-24-006031","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K/A","filed_at":"2024-05-14T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Muncy Columbia board sets say-on-pay frequency at every 3 years following shareholder vote","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders voted 951,599 for 3-year frequency, 510,461 for 1-year, 79,565 for 2-year, with 89,529 abstain and 650,327 broker non-votes.","Board determined at May 14, 2024 meeting to hold non-binding advisory votes on executive compensation every three years until 2030.","This Form 8-K/A amends prior 8-K filed April 23, 2024 to report Board action on Say on Frequency vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235270,"accession_number":"0001999371-24-005096","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Muncy Columbia Financial shareholders elect directors, approve ESPP and say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All four Class 3 director nominees elected; votes for ranged from 1,225,561 to 1,347,497, with ~650K broker non-votes.","Non-binding say-on-pay approved 1,182,955 for, 369,362 against; shareholders selected three-year frequency for future say-on-pay votes.","Ratification of S.R. Snodgrass P.C. as independent auditor for 2024 approved with 2,233,338 for votes.","Amended and restated Employee Stock Purchase Plan approved with 1,318,269 for, 274,841 against votes.","Shareholders voted for a three-year frequency on say-on-pay; 951,599 voted for 3 years, 510,461 for 1 year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235269,"accession_number":"0001999371-24-005071","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia Q1 net income $4.0M ($1.13 EPS) vs $1.9M ($0.93) YoY; NIM expands to 3.32%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4,036,000 ($1.13 diluted EPS) vs $1,940,000 ($0.93) in Q1 2023.","Fully-tax equivalent NIM 3.32% vs 2.41% YoY; ROAA 1.02% vs 0.82%.","Sold $50.3M AFS securities to pay down FHLB borrowings; realized loss $8,000.","Non-performing assets rose to $7.3M from $4.5M, primarily one $2.2M real estate loan; bank expects no credit loss.","Book value per share $43.35 vs $43.08; quarterly dividend increased to $0.44 from $0.42."],"consensus_eps_estimate":null,"consensus_eps_actual":1.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253103,"accession_number":"0001999371-24-002337","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-02-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Muncy Columbia appoints Diehl as President & CEO, Glunk as Executive Chairman; six directors resign","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Six directors resigned effective Feb 13, 2024, per April 2023 shareholder voting agreements from merger with CCFNB.","Lance O. Diehl named President & CEO of company and Journey Bank; annual salary $390,000, part-time duties phased in over two years.","Robert J. Glunk named Executive Chairman of company and Journey Bank; annual salary $390,000, part-time duties phased in, SERP retirement age reduced to 63.","Both executives signed Amended & Restated Employment Agreements with severance provisions (2.99x salary on change-in-control).","Resigned directors appointed to Journey Bank Advisory Board for 3 years at $25,000 annual compensation each."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253102,"accession_number":"0001999371-24-002131","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Muncy Columbia reports Q4 GAAP net loss of $1.2M; raises quarterly dividend to $0.44","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $1.186M (($0.41) EPS) vs net income of $2.595M ($1.25 EPS) in Q4 2022; full year net income $3.387M ($1.49 EPS).","Completed merger with Muncy Bank Financial on Nov 11, 2023; total consideration $55.1M, recorded $17.7M goodwill and $12.1M core deposit intangible.","Quarterly dividend raised to $0.44 per share (from $0.43), payable March 14, 2024 to holders of record Feb 27, 2024.","Pre-tax merger-related expenses of $1.8M in Q4 and $3.0M for the year; also recorded a $2.9M one-time CECL provision on acquired non-PCD loans.","Total assets rose to $1.6B from $944M a year earlier; book value per share $43.08 vs $41.34; net interest margin fell to 2.34% from 2.55%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253101,"accession_number":"0001999371-24-000780","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K/A","filed_at":"2024-01-24T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Muncy Columbia files MBF Q3 2023 financials; net income $3.67M, assets $660M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["MBF net income $3.674M for nine months ended Sep 30, 2023, down from $4.830M in 2022; diluted EPS $2.28 vs $3.00.","Total assets $660.5M; loans net $510.2M; deposits $521.5M; shareholders' equity $43.9M as of Sep 30, 2023.","Merger closed Nov 11, 2023; MBF shareholders received 0.9259 MCFC shares per MBF share (cash for fractional shares at $41.47).","MBF incurred $355,000 merger-related expenses in the nine-month period ended Sep 30, 2023.","Adopted CECL on Jan 1, 2023, reducing retained earnings by $311,000 as a cumulative-effect adjustment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270566,"accession_number":"0001999371-23-001136","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-12-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Muncy Columbia extends CEO Diehl's post-termination health benefit period from 5 to 10 years","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment to CEO Lance O. Diehl's employment agreement extends post-termination health/medical insurance coverage from 5 to 10 years.","Benefit includes health, dental, vision coverage for Diehl and spouse, with tax gross-up payments at highest marginal rate.","Benefit continues through 10 years even if Diehl predeceases spouse; Medicare enrollment required at age 65 with cost reimbursement.","Amendment approved by boards of Muncy Columbia Financial Corporation and Journey Bank on Dec. 19, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270565,"accession_number":"0001999371-23-000280","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-11-16T23:59:59+00:00","items":["2.01","5.02","5.03","9.01"],"status":"ready","headline":"CCFNB completes merger with Muncy Bank, renamed Muncy Columbia Financial; combined assets ~$1.6B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["MBF shareholders receive 0.9259 MCFC shares per MBF share; aggregate ~1.49M MCFC shares issued.","Combined company has ~$1.6B assets, ~$1.23B deposits, ~$1B loans, 22 banking offices.","Name changes: CCFNB to Muncy Columbia Financial; First Columbia Bank to Journey Bank; effective Nov 11, 2023.","New leadership: Lance Diehl as Chairman/President/CEO; Robert Glunk as COO and Journey Bank CEO; Joseph O'Neill as CFO.","Eight new directors appointed from MBF board to fill terms across three classes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270564,"accession_number":"0001839882-23-028061","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CCFNB Q3 net income down 53.5% to $1.17M; EPS $0.56 vs $1.21 a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q3 2023 was $1.17M ($0.56 EPS) vs $2.52M ($1.21 EPS) in Q3 2022; nine-month net income $4.57M ($2.20) vs $6.92M ($3.33).","Nine-month results included $1.21M in merger-related expenses, weighing on earnings.","Net interest margin fell to 2.29% from 2.56% year-over-year; total assets grew to $957.6M from $944.0M at Dec 2022.","Deposits decreased $41.8M in nine months while short-term borrowings rose $27.3M and long-term borrowings rose $25.0M.","Unrealized losses on securities reduced stockholders’ equity by $27.4M; book value per share increased to $42.50 from $41.34."],"consensus_eps_estimate":null,"consensus_eps_actual":2.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270563,"accession_number":"0001387131-23-011896","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-10-03T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"CCFNB and Muncy Bank shareholders approve merger of equals","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Shareholders of both CCFNB (OTCPK: CCFN) and MBF (OTCQB: MYBF) approved merger on Oct 3, 2023.","CCFNB votes: 1,433,971 for, 68,915 against, 19,328 abstain; adjournment proposal also passed.","MBF will merge into CCFNB, which will be the surviving corporation under the April 2023 agreement.","Closing remains subject to customary conditions; deal expected to create leading community bank in central PA."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287499,"accession_number":"0001387131-23-010593","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-08-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CCFNB and Muncy receive regulatory approvals for merger of equals; close expected Nov 11, 2023","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Receives regulatory approvals from Pennsylvania Dept of Banking, FDIC, and Federal Reserve Bank of Philadelphia.","Merger expected to close on or about November 11, 2023, subject to shareholder approvals and customary closing conditions.","Combined bank to be renamed 'Journey Bank'; holding company renamed 'Muncy Columbia Financial Corporation.'","Merger agreement originally dated April 17, 2023, amended June 21, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287498,"accession_number":"0001387131-23-009429","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CCFNB Bancorp amends CEO and CFO employment agreements ahead of Muncy Bank merger","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Diehl's amended agreement provides $347,543 salary, increasing to $375,000 post-Muncy Bank merger, with term through March 31, 2026.","CEO succession plan: Diehl transitions to part-time 4-12 months post-merger, retires by Mar 2026; Glunk succeeds as CEO.","CFO Arnold's amended agreement provides $195,364 salary, increasing to $207,005 post-merger; term renews annually but ends no later than Dec 31, 2032.","Both agreements include change-in-control severance (2.99x salary for CEO, 2x for CFO) and 12-24 month non-compete/non-solicit clauses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":287366736.83668256,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287497,"accession_number":"0001839882-23-020161","cik":731122,"company_name":"MUNCY COLUMBIA FINANCIAL Corp","ticker":"CCFN","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CCFNB Bancorp Q2 net income falls to $1.46M from $1.95M; 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