Muncy Bank Financial, Inc. Logo

Muncy Bank Financial, Inc.

MYBF

(3.0)
Stock Price

33,00 USD

0.56% ROA

11.78% ROE

14.24x PER

Market Cap.

53.075.880,00 USD

81.04% DER

0% Yield

27.63% NPM

Muncy Bank Financial, Inc. Stock Analysis

Muncy Bank Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Muncy Bank Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROE

The stock's ROE falls within an average range (6.47%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.46%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.11x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (139), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

Muncy Bank Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Muncy Bank Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Muncy Bank Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Muncy Bank Financial, Inc. Revenue
Year Revenue Growth
2002 5.469.458
2003 6.025.068 9.22%
2004 6.497.593 7.27%
2005 6.706.211 3.11%
2006 7.151.000 6.22%
2010 11.576.284 38.23%
2011 13.971.199 17.14%
2012 14.930.631 6.43%
2013 14.568.028 -2.49%
2014 14.897.864 2.21%
2015 15.223.828 2.14%
2016 15.335.285 0.73%
2017 15.635.000 1.92%
2018 17.499.000 10.65%
2019 18.817.000 7%
2020 20.910.000 10.01%
2021 24.503.000 14.66%
2022 22.726.000 -7.82%
2023 20.304.000 -11.93%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Muncy Bank Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Muncy Bank Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 1.582.482
2003 1.857.438 14.8%
2004 2.001.787 7.21%
2005 2.318.971 13.68%
2006 2.509.000 7.57%
2010 4.342.433 42.22%
2011 4.779.018 9.14%
2012 4.909.959 2.67%
2013 5.397.384 9.03%
2014 5.536.722 2.52%
2015 5.871.911 5.71%
2016 5.807.586 -1.11%
2017 1.022.999 -467.7%
2018 1.302.000 21.43%
2019 1.729.000 24.7%
2020 7.522.000 77.01%
2021 8.468.000 11.17%
2022 8.525.000 0.67%
2023 1.608.000 -430.16%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Muncy Bank Financial, Inc. EBITDA
Year EBITDA Growth
2002 2.454.453
2003 2.620.664 6.34%
2004 2.713.108 3.41%
2005 2.554.032 -6.23%
2006 2.359.000 -8.27%
2010 4.241.077 44.38%
2011 5.973.789 29.01%
2012 6.949.080 14.03%
2013 6.485.538 -7.15%
2014 6.787.328 4.45%
2015 8.507.647 20.22%
2016 7.354.151 -15.68%
2017 4.421.000 -66.35%
2018 5.490.000 19.47%
2019 6.217.000 11.69%
2020 7.229.000 14%
2021 9.360.000 22.77%
2022 11.790.000 20.61%
2023 5.440.000 -116.73%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Muncy Bank Financial, Inc. Gross Profit
Year Gross Profit Growth
2002 5.469.458
2003 6.025.068 9.22%
2004 6.497.593 7.27%
2005 6.706.211 3.11%
2006 7.151.000 6.22%
2010 11.576.284 38.23%
2011 13.971.199 17.14%
2012 14.930.631 6.43%
2013 14.568.028 -2.49%
2014 14.897.864 2.21%
2015 15.223.828 2.14%
2016 15.335.285 0.73%
2017 15.635.000 1.92%
2018 17.499.000 10.65%
2019 18.817.000 7%
2020 20.910.000 10.01%
2021 24.503.000 14.66%
2022 22.726.000 -7.82%
2023 20.304.000 -11.93%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Muncy Bank Financial, Inc. Net Profit
Year Net Profit Growth
2002 1.805.981
2003 1.966.318 8.15%
2004 2.058.551 4.48%
2005 1.906.936 -7.95%
2006 1.887.000 -1.06%
2010 3.070.944 38.55%
2011 4.317.229 28.87%
2012 4.841.682 10.83%
2013 4.601.118 -5.23%
2014 4.761.192 3.36%
2015 4.544.944 -4.76%
2016 3.932.445 -15.58%
2017 2.800.000 -40.44%
2018 4.658.000 39.89%
2019 5.242.000 11.14%
2020 5.748.000 8.8%
2021 7.635.000 24.72%
2022 6.279.000 -21.6%
2023 4.504.000 -39.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Muncy Bank Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2010 2 0%
2011 3 50%
2012 3 0%
2013 3 0%
2014 3 0%
2015 3 0%
2016 2 0%
2017 2 -100%
2018 3 50%
2019 3 33.33%
2020 4 0%
2021 5 25%
2022 4 -33.33%
2023 3 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Muncy Bank Financial, Inc. Free Cashflow
Year Free Cashflow Growth
2002 1.724.251
2003 -342.647 603.21%
2004 1.666.294 120.56%
2005 1.526.409 -9.16%
2006 0 0%
2007 0 0%
2010 3.828.737 100%
2011 2.797.597 -36.86%
2012 5.568.286 49.76%
2013 4.359.772 -27.72%
2014 4.989.975 12.63%
2015 5.439.188 8.26%
2016 1.997.736 -172.27%
2017 2.800.000 28.65%
2018 5.206.000 46.22%
2019 4.969.000 -4.77%
2020 4.279.000 -16.13%
2021 4.711.000 9.17%
2022 1.420.000 -231.76%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Muncy Bank Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 1.819.644
2003 828.843 -119.54%
2004 2.685.703 69.14%
2005 2.160.485 -24.31%
2006 0 0%
2007 0 0%
2010 3.930.070 100%
2011 2.888.754 -36.05%
2012 6.056.920 52.31%
2013 5.087.961 -19.04%
2014 5.475.813 7.08%
2015 5.598.655 2.19%
2016 3.004.461 -86.34%
2017 4.954.000 39.35%
2018 5.420.000 8.6%
2019 5.806.000 6.65%
2020 6.144.000 5.5%
2021 7.044.000 12.78%
2022 7.428.000 5.17%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Muncy Bank Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 95.393
2003 1.171.490 91.86%
2004 1.019.409 -14.92%
2005 634.076 -60.77%
2006 0 0%
2007 0 0%
2010 101.333 100%
2011 91.157 -11.16%
2012 488.634 81.34%
2013 728.189 32.9%
2014 485.838 -49.88%
2015 159.467 -204.66%
2016 1.006.725 84.16%
2017 2.154.000 53.26%
2018 214.000 -906.54%
2019 837.000 74.43%
2020 1.865.000 55.12%
2021 2.333.000 20.06%
2022 6.008.000 61.17%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Muncy Bank Financial, Inc. Equity
Year Equity Growth
2002 14.783.789
2003 16.038.647 7.82%
2004 16.972.569 5.5%
2005 17.789.634 4.59%
2006 18.424.000 3.44%
2010 25.162.100 26.78%
2011 29.973.729 16.05%
2012 34.153.313 12.24%
2013 36.872.229 7.37%
2014 39.161.926 5.85%
2015 41.466.390 5.56%
2016 43.148.487 3.9%
2017 43.838.000 1.57%
2018 46.598.000 5.92%
2019 46.816.000 0.47%
2020 54.450.000 14.02%
2021 59.107.000 7.88%
2022 47.505.000 -24.42%
2023 57.257.000 17.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Muncy Bank Financial, Inc. Assets
Year Assets Growth
2002 125.887.095
2003 138.752.549 9.27%
2004 145.390.149 4.57%
2005 168.758.257 13.85%
2006 183.981.000 8.27%
2010 289.339.355 36.41%
2011 300.002.716 3.55%
2012 322.975.097 7.11%
2013 353.362.054 8.6%
2014 360.241.127 1.91%
2015 376.134.069 4.23%
2016 393.344.034 4.38%
2017 427.433.000 7.98%
2018 459.665.000 7.01%
2019 489.427.000 6.08%
2020 531.574.000 7.93%
2021 594.334.000 10.56%
2022 632.605.000 6.05%
2023 663.307.000 4.63%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Muncy Bank Financial, Inc. Liabilities
Year Liabilities Growth
2002 111.103.306
2003 122.713.902 9.46%
2004 128.417.580 4.44%
2005 150.968.623 14.94%
2006 165.557.000 8.81%
2010 264.177.255 37.33%
2011 270.028.987 2.17%
2012 288.821.784 6.51%
2013 316.489.825 8.74%
2014 321.079.201 1.43%
2015 334.667.679 4.06%
2016 350.195.547 4.43%
2017 33.000 -1061098.63%
2018 30.000 -10%
2019 10.027.000 99.7%
2020 477.124.000 97.9%
2021 256.000 -186276.56%
2022 585.100.000 99.96%
2023 46.401.000 -1160.96%

Muncy Bank Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.82
Net Income per Share
2.32
Price to Earning Ratio
14.24x
Price To Sales Ratio
3.36x
POCF Ratio
32.5
PFCF Ratio
38.35
Price to Book Ratio
0.93
EV to Sales
2.45
EV Over EBITDA
6.42
EV to Operating CashFlow
23.65
EV to FreeCashFlow
27.96
Earnings Yield
0.07
FreeCashFlow Yield
0.03
Market Cap
0,05 Bil.
Enterprise Value
0,04 Bil.
Graham Number
43.05
Graham NetNet
-19.87

Income Statement Metrics

Net Income per Share
2.32
Income Quality
0.44
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.85
EBT Per Ebit
0.66
Ebit per Revenue
0.5
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.5
Pretax Profit Margin
0.33
Net Profit Margin
0.28

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.17
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.02
Free CashFlow per Share
0.86
Capex to Operating CashFlow
-0.15
Capex to Revenue
-0.02
Capex to Depreciation
-1.4
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.16

Balance Sheet

Cash per Share
8,92
Book Value per Share
35,53
Tangible Book Value per Share
382.85
Shareholders Equity per Share
35.53
Interest Debt per Share
29.8
Debt to Equity
0.81
Debt to Assets
0.07
Net Debt to EBITDA
-2.39
Current Ratio
0
Tangible Asset Value
0,62 Bil.
Net Current Asset Value
-0,03 Bil.
Invested Capital
0.81
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.87

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Muncy Bank Financial, Inc. Dividends
Year Dividends Growth
2001 1
2002 6 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 2 0%
2023 2 0%

Muncy Bank Financial, Inc. Profile

About Muncy Bank Financial, Inc.

Muncy Bank Financial, Inc., together with its subsidiaries, provides banking products and services to individuals and businesses in Pennsylvania. It accepts savings, money market, and checking accounts, as well as demand, time, and certificates of deposit. The company's loan products include mortgage, home equity, vehicle, commercial mortgages, personal, commercial equipment loans, as well as business and real estate loans. It also offers investment services, such as wealth transition, retirement accounts, college savings strategies, insurance protection, portfolio analysis, brokerage services, tax-deferred investments, and tax-advantaged income; and wealth management and trust services comprising estate administration, investment management services, guardianship, and IRA/retirement accounts, as well as living/grantor, charitable, irrevocable, and special needs trusts. In addition, the company provides cash management services consisting of ACH origination, check positive pay, online wire transfer, and remote deposit capture services; merchant services; and telephone and electronic banking services, as well as debit and credit cards. It operates through eight offices located in Muncy, Hughesville, Clarkstown, Montoursville, Dewart, Avis, Linden, and Montgomery, Pennsylvania. The company was founded in 1893 and is based in Muncy, Pennsylvania.

CEO
Mr. Robert J. Glunk
Employee
127
Address
Two North Main Street
Muncy, 17756

Muncy Bank Financial, Inc. Executives & BODs

Muncy Bank Financial, Inc. Executives & BODs
# Name Age
1 Ms. Beth A. Benson
Corporate Secretary
70
2 Mr. Kevin Weinhoffer
Senior Vice President & Chief Lending Officer
70
3 Ms. Tammy L. Gunsallus
Senior Vice President & Chief Retail Officer
70
4 Michelle A. Rohrbach
Assistant Sec.
70
5 Kathlene M. Bower
Senior Vice President of Bus. Devel.- The Muncy Bank and Trust Company
70
6 Jason A. Fischer
Chief Credit Officer of The Muncy Bank & Trust Co. and Vice President of The Muncy Bank & Trust Co.
70
7 Mr. Joseph K. O'Neill Jr., C.P.A.
Senior Vice President, Chief Financial Officer & Treasurer
70
8 Mr. Robert J. Glunk
Chairman, President & Chief Executive Officer
70
9 Mr. Joseph K. O'Neill Jr., CPA
Senior Vice President, Chief Financial Officer & Treasurer
70

Muncy Bank Financial, Inc. Competitors