Muncy Columbia Financial posts record Q4 net income of $7.4M; EPS up 42% YoY

MUNCY COLUMBIA FINANCIAL Corp

2025-FY EPS reported $6.85

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.

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