STOCK TITAN

Three-for-one split to boost Muncy Columbia (OTCQX: CCFN) share liquidity

Filing Impact
(High)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Muncy Columbia Financial Corporation declared a three-for-one stock split in the form of a 200% stock dividend on its outstanding common shares. Shareholders of record as of the close of business on May 7, 2026 will receive two additional shares for each share held, distributed after the close of business on May 14, 2026.

Based on the current shares outstanding, the company expects to have 10,612,227 common shares issued and outstanding on a split-adjusted basis. Management highlighted recent financial performance and noted expectations that the additional shares will support greater trading liquidity and broader shareholder participation.

Positive

  • None.

Negative

  • None.
Item 8.01 Other Events Other
Voluntary disclosure of events the company deems important to shareholders but not covered by other items.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Stock split ratio 3-for-1 Declared by Board of Directors on April 23, 2026
Stock dividend percentage 200% Form of stock split on outstanding common shares
Record date May 7, 2026 Determines shareholders entitled to receive split shares
Distribution date May 14, 2026 Additional shares issued after close of business
Post-split shares outstanding 10,612,227 shares Issued and outstanding common stock, net of treasury, on split-adjusted basis
three-for-one stock split financial
"declared a three-for-one stock split in the form of a 200% stock dividend"
stock dividend financial
"three-for-one stock split in the form of a 200% stock dividend on its outstanding shares"
A stock dividend is when a company gives its existing shareholders extra shares instead of cash. It’s like receiving more pieces of the same pie rather than a bigger piece of money, which can increase the number of shares you own but usually doesn’t change the total value of your investment right away. Investors care about it because it can signal the company's growth and affect the stock’s price.
liquidity risk financial
"our ability to successfully manage liquidity risk"
Liquidity risk is the chance that an investor or company cannot quickly buy or sell an asset or raise cash without substantially affecting its price. Like trying to sell a specialty item in a quiet market and having to steeply cut the price, this risk matters because it can force losses, delay payments or investments, or make short-term funding much more expensive. Investors assess it to know how easily holdings can be turned into cash when needed.
allowance for credit loss financial
"our ability to maintain an adequate level of allowance for credit loss on loans"
An allowance for credit loss is a reserve a lender records on its balance sheet to cover loans or receivables it expects it won’t fully collect, similar to setting money aside in a rainy-day fund for bills that might not be paid. It matters to investors because larger allowances reduce reported profits and available capital, signaling higher credit risk and affecting valuations, capital adequacy and future earnings expectations.
forward-looking statements regulatory
"This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

Current Report

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

 

April 23, 2026

Date of Report (Date of earliest event reported)

 

MUNCY COLUMBIA FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

 

Pennsylvania 000-19028 23-2254643
(State or other jurisdiction of
incorporation)
(Commission File
Number)
(I.R.S. Employer
Identification No.)

 

1199 Lightstreet Road

Bloomsburg, PA 17815

(Address of principal executive offices)

 

570-784-4400

(Registrant’s telephone number, including area code)

 

N/A

(Former name or former address, if changed since last report.)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

 

Securities registered pursuant to Section 12(b) of the Exchange Act:

 

Title of each class Trading Symbol(s) Name of each exchange on which registered
None None None

 

Indicated by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2)

 

If an emerging growth company, indicate by check mark if registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act

 

 

 

 

ITEM 8.01 OTHER EVENTS

 

On April 23, 2026, Muncy Columbia Financial Corporation issued a press release titled “Muncy Columbia Financial Corporation Declares Stock Split” attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

 

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

 

(a) Not applicable

(b) Not applicable

(c) Not applicable

(d) Exhibits

 

Exhibit Number Description
   
99.1 Press Release issued by Muncy Columbia Financial Corporation on April 23, 2026 titled “Muncy Columbia Financial Corporation Declares Stock Split”
   
104 Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

 

 

SIGNATURE

 

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

Date:     April 23, 2026 Muncy Columbia Financial Corporation
     
     
  By: /s/ Joseph K. O’Neill, Jr.
  Name: Joseph K. O’Neill, Jr.
  Title: Executive Vice President and Chief Financial Officer

 

 

 

 

Exhibit 99.1

Press Release – For Immediate Release

April 23, 2026

Muncy Columbia Financial Corporation Declares Stock Split

 

Bloomsburg, PA – Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (”Bank”), announced that on April 23, 2026, the Corporation’s Board of Directors declared a three-for-one stock split on its outstanding shares of common stock.

 

Stock Split

 

On April 23, 2026, the Corporation’s Board of Directors declared a three-for-one stock split in the form of a 200% stock dividend on its outstanding shares of common stock. Each shareholder of record as of the close of business on May 7, 2026 will receive two additional shares of common stock for each share then held, to be distributed after the close of business on May 14, 2026. Based on the number of shares currently outstanding, the Corporation will have 10,612,227 shares of common stock issued and outstanding, net of treasury shares, on a split-adjusted basis.

 

"We are very pleased with our recent financial performance and are happy to recognize and reward our shareholders with this three-for-one stock split," stated Lance O. Diehl, President and CEO. "The additional shares issued will allow for increased liquidity and daily trading volumes as well as greater participation of existing shareholders at value prices,” Diehl explained.

About Muncy Columbia Financial Corporation

 

Muncy Columbia Financial Corporation ("MCFC") is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. MCFC has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Luzerne, Lycoming, Montour, Northumberland and Sullivan Counties through 22 banking offices.

 

Cautionary Note Regarding Forward Looking Statements

 

This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of current or historical fact and involve substantial risks and uncertainties. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "plans," "projects," "may," "will," "should," and other similar expressions can be used to identify forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the following: changes in general economic trends, including inflation and changes in interest rates; our ability to manage credit risk; our ability to maintain an adequate level of allowance for credit loss on loans; increased competition; changes in consumer demand for financial services; our ability to control costs and expenses; fluctuations in the values of securities held in our securities portfolio, including as a result of changes in interest rates; our ability to successfully manage liquidity risk; adverse developments in borrower industries and, in particular, declines in real estate values; the concentration of large deposits from certain customers who have balances above current FDIC insurance limits; changes in and compliance with federal and state laws that regulate our business and capital levels; our ability to raise capital as needed; and any other risks described in the “Risk Factors” sections of reports filed by the Corporation with the Securities and Exchange Commission. We do not undertake, and specifically disclaim, any obligation to publicly revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements, except as required by law. Accordingly, you should not place undue reliance on forward-looking statements.

 

 

 

FAQ

What did Muncy Columbia Financial Corporation (CCFN) announce in this 8-K?

Muncy Columbia Financial Corporation announced a three-for-one stock split in the form of a 200% stock dividend. The split increases each shareholder’s holdings while keeping their overall economic ownership the same, primarily aiming to enhance trading liquidity and accessibility of the shares.

How will the three-for-one stock split for CCFN work for shareholders?

Each CCFN shareholder of record on May 7, 2026 will receive two additional shares for every one share held. These additional shares will be distributed after the close of business on May 14, 2026, tripling the number of shares in each shareholder’s account.

What will be Muncy Columbia Financial’s share count after the stock split?

After the three-for-one stock split, Muncy Columbia Financial expects to have 10,612,227 shares of common stock issued and outstanding, net of treasury shares. This figure reflects the split-adjusted share count based on the number of shares outstanding at the time of the Board’s decision.

Why is Muncy Columbia Financial (CCFN) implementing a three-for-one stock split?

The company cited strong recent financial performance and a desire to reward shareholders as reasons for the split. Management also expects the added shares to support increased liquidity, higher daily trading volumes and greater participation by existing shareholders at more accessible price levels.

When are the key dates for CCFN’s three-for-one stock split?

The record date for the split is May 7, 2026, determining which shareholders receive additional shares. The distribution date is after the close of business on May 14, 2026, when the two extra shares per existing share will be issued to eligible shareholders’ accounts.

Filing Exhibits & Attachments

4 documents