CCFNB Bancorp, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$72.12
FAIR PRICE
$38.12
MARGIN
$34.00
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FPI RATING
Low debt levels and stable earnings and revenue, but limited growth momentum.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$30.50
Fair price × 0.80
DISTANCE
57.7%
Price to entry level
At the current price of $72.12, CCFN trades 57.7% above the conservative entry level of $30.50. This entry level represents a 20% margin of safety below the calculated fair price of $38.12 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate CCFN's fair price
CCFNB Bancorp, Inc.'s fair price of $38.12 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $72.12, CCFN trades 47.1% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CCFN's risk profile.
RELATIVE · 30%
Comparing CCFN's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for CCFN, weighted by recency and analyst accuracy.
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What is the fair price of CCFN?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for CCFNB Bancorp, Inc. is $38.12. At the current market price of $72.12, CCFN trades 47.1% above its calculated fair value.
Is CCFN overvalued or undervalued?+
CCFNB Bancorp, Inc. is currently overvalued based on our valuation model. The stock trades at $72.12, which is 47.1% above the fair price of $38.12. The P/E ratio of 10.7x is a key metric in the valuation.
What is the margin of safety for CCFN?+
With a 20% margin of safety applied to the fair price of $38.12, the conservative entry level for CCFN is $30.50. At the current market price of $72.12, the stock trades 57.7% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is CCFN's fair price updated?+
We update fair price calculations for CCFN daily after market close. The current fair price of $38.12 incorporates the latest market data and sector multiples.
What factors affect CCFN's fair price calculation?+
CCFN's fair price of $38.12 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 10.7x, ROE of 13.2%, and dividend yield of 4.48%.
Is CCFN a good buy right now?+
At $72.12, CCFN trades 47.1% above our fair value estimate of $38.12. The stock is currently overvalued. ROE stands at 13.2% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does CCFN pay dividends?+
CCFN has a dividend yield of 4.48%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.