---
schema_version: "secwatch.filing_event.v1"
accession: "0001999371-24-002131"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2024-02-13T23:59:59+00:00"
generated_at: "2026-06-06T03:56:21.359555+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia reports Q4 GAAP net loss of $1.2M; raises quarterly dividend to $0.44

## Summary
- 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%.

## SEC filing metadata
- accession: 0001999371-24-002131
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2024-02-13T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000199937124002131/0001999371-24-002131-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937124002131/muncy_8k-021324.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-24-002131
- JSON: https://secwatch.observer/filing/0001999371-24-002131.json
- Plain text: https://secwatch.observer/filing/0001999371-24-002131.txt

## Key facts
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported fourth quarter 2023 results: net income Net loss, as reported under accounting principles generally accepted in the United States of America (“GAAP”), for the q, EPS ($0.41).
  - Period: fourth quarter 2023
  - Net income: Net loss, as reported under accounting principles generally accepted in the United States of America (“GAAP”), for the q
  - EPS: ($0.41)
  - Result: reported results
  source text: Net loss, as reported under accounting principles generally accepted in the United States of America (“GAAP”), for the quarter-ended December 31, 2023, was $1,186,000 compared to net income of $2,595,000 for the same period in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000199937124002131/0001999371-24-002131-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.