Susquehanna Community Financial, Inc. (SQCF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Susquehanna Community Financial, Inc. (SQCF) trades at $15.52. Susquehanna Community Financial, Inc. is a financial holding company providing banking services to individuals and businesses in Pennsylvania. Market cap: $44.3M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for SQCF: SQCF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SQCF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on SQCF.
How is this calculated? →Susquehanna Community Financial, Inc. (SQCF) Financial Services Profile
Susquehanna Community Financial, Inc., operating in the regional banking sector, provides financial services including deposit accounts and lending solutions to individuals and businesses across Union, Northumberland, and Snyder counties in Pennsylvania, leveraging a community-focused approach and digital banking services to maintain a competitive edge.
What Is the Investment Thesis for SQCF?
Susquehanna Community Financial, Inc. presents a community banking model with a focus on serving individuals and businesses in central Pennsylvania. With a market capitalization of $44.3M and a P/E ratio of 18.77, the company demonstrates a stable financial profile. A dividend yield of 4.64% may attract income-focused investors. Key value drivers include the company's ability to maintain a 14.0% profit margin and 100.0% gross margin. Growth catalysts include expanding digital banking services and increasing commercial lending activities. Potential risks include competition from larger regional and national banks and the impact of interest rate fluctuations on net interest margin. Investors should monitor the company's ability to grow its loan portfolio and manage credit risk in a changing economic environment.
Based on FMP financials and quantitative analysis
SQCF Key Highlights
Market capitalization of $44.3M indicates a small-cap regional bank.
- P/E ratio of 18.77 suggests the company is trading at a reasonable valuation compared to its earnings.
- Profit margin of 14.0% demonstrates the company's ability to generate profits from its revenue.
- Gross margin of 100.0% indicates efficient management of interest income and expenses.
- Dividend yield of 4.64% offers an attractive income stream for investors.
Who Are SQCF's Competitors?
SQCF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFOK Community First Bancorporation | $8.00 | -1.84% | $44.1M | 49 |
| CMUV CMUV Bancorp | $24.72 | +0.00% | $43.8M | 59 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.4M | 45 |
| MYBF Muncy Bank Financial, Inc. | $33.00 | -0.15% | $53.1M | 45 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SQCF's Key Strengths?
Strong local presence and community relationships.
- Diversified product and service offerings.
- Experienced management team.
- Solid financial performance with consistent profitability.
What Are SQCF's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Dependence on local economy.
- Smaller scale may limit investment in technology and innovation.
- OTC market listing may limit investor access.
What Could Drive SQCF Stock Higher?
Expansion of digital banking services to attract and retain customers.
- Growth in commercial lending activities to support local businesses.
- Potential partnerships with fintech companies to offer innovative financial products.
- Focus on maintaining a strong credit culture and managing risk effectively.
What Are the Key Risks for SQCF?
Financial-distress signal — its Altman Z-Score of 0.24 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks.
- Economic downturn and credit quality deterioration.
- Regulatory changes and compliance costs.
- Interest rate fluctuations and margin compression.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for SQCF?
- Expansion of Digital Banking Services: Susquehanna Community Financial, Inc. can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is projected to grow significantly, with a potential to increase customer acquisition and retention rates. Timeline: Ongoing.
- Increased Commercial Lending Activities: The company can focus on expanding its commercial lending portfolio by targeting small and medium-sized businesses in its operating region. This includes offering a variety of loan products, such as commercial real estate loans, equipment loans, and SBA loans. The market for commercial lending is substantial, and Susquehanna Community Financial, Inc. can leverage its local market knowledge and relationships to gain a competitive advantage. Timeline: Ongoing.
- Strategic Branch Expansion: Susquehanna Community Financial, Inc. can consider expanding its branch network into adjacent markets with favorable demographics and economic conditions. This includes conducting market research to identify potential locations and developing a strategic plan for branch expansion. While digital banking is growing, physical branches remain important for certain customer segments and services. Timeline: 1-3 years.
- Enhanced Treasury Management Services: The company can enhance its treasury management services to attract and retain corporate clients. This includes offering a comprehensive suite of services, such as automated clearing house (ACH) services, remote deposit capture, positive pay, and merchant services. The market for treasury management services is competitive, but Susquehanna Community Financial, Inc. can differentiate itself through personalized service and competitive pricing. Timeline: Ongoing.
- Partnerships with Fintech Companies: Susquehanna Community Financial, Inc. can explore partnerships with fintech companies to offer innovative financial products and services to its customers. This includes partnering with companies that specialize in areas such as online lending, digital payments, and financial planning. These partnerships can help the company expand its product offerings and reach new customer segments. Timeline: 1-2 years.
What Are SQCF's Competitive Advantages?
- Established presence in local markets with long-standing customer relationships.
- Community-focused approach with personalized service.
- Access to local market knowledge and expertise.
- Competitive pricing and product offerings.
What Does SQCF Do?
Susquehanna Community Financial, Inc., founded in 1920 and based in West Milton, Pennsylvania, has evolved from its origins as West Milton Bancorp, Inc. to a comprehensive financial services provider. Rebranding in February 2016, the company offers a suite of financial products and services tailored to individuals and corporate clients. Its core offerings include a variety of deposit products such as checking and savings accounts, certificates of deposit, individual retirement accounts, and money market accounts. The company also provides mortgage loans and home equity loans, catering to the residential financing needs of its customer base. In addition to deposit and mortgage services, Susquehanna Community Financial, Inc. delivers a range of lending solutions, encompassing personal lending, lines of credit, agricultural loans, equipment loans, commercial real estate financing, and small business administration (SBA) loans. These lending products support the financial needs of both individuals and businesses within its operating region. The company also offers debit and credit cards, online and mobile banking platforms, and ATM services to enhance customer convenience and accessibility. Susquehanna Community Financial, Inc. further extends its services to include treasury management solutions, such as automated clearing house (ACH) services, remote deposit capture, positive pay, and merchant services. These offerings are designed to meet the specific financial management needs of its corporate clients. The company operates through six full-service branches located in Union, Northumberland, and Snyder counties, maintaining a local presence and community-focused approach.
What Products and Services Does SQCF Offer?
- Accepts deposits through checking, savings, and money market accounts.
- Offers certificates of deposit and individual retirement accounts (IRAs).
- Provides mortgage loans and home equity loans.
- Offers personal lending and lines of credit.
- Provides agricultural and equipment loans.
- Offers commercial real estate and small business administration (SBA) loans.
- Provides debit and credit cards.
- Offers online and mobile banking services.
How Does SQCF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as debit and credit cards, online banking, and treasury management.
- Manages deposits and provides lending solutions to individuals and businesses.
- Operates a network of full-service branches in Union, Northumberland, and Snyder counties.
What Industry Does SQCF Operate In?
Susquehanna Community Financial, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Key trends include consolidation, regulatory changes, and the impact of interest rate movements on profitability. Susquehanna Community Financial, Inc. competes with larger regional and national banks, as well as other community banks, for deposits and loans. Its success depends on its ability to differentiate itself through personalized service, local market knowledge, and competitive pricing.
Who Are SQCF's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial lending and treasury management solutions.
- Agricultural businesses needing financing for equipment and operations.
- Customers in Union, Northumberland, and Snyder counties in Pennsylvania.
Key Financial Metrics
Return on equity for Susquehanna Community Financial, Inc. stands at 6.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. SQCF trades at a trailing price-to-earnings ratio of 18.77, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 9.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.3%, the inverse of the P/E and a quick read on earnings relative to price.
Susquehanna Community Financial, Inc. (SQCF) Valuation Context
Valued at $44.3M, SQCF is classified as a micro-cap stock.
Company Profile
Susquehanna Community Financial, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in West Milton, US. The company is led by CEO David S. Runk. SQCF has traded publicly since 1999.
Financial Health
Susquehanna Community Financial, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.24 places it in the distress zone, a signal of elevated financial risk.
SQCF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that those closest to the business believe it is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's strong local presence and community engagement.
- Recent developments in local partnerships have bolstered market perception, showcasing Susquehanna's commitment to growth and innovation.
- Investors are increasingly recognizing the potential for expansion in underserved markets, positioning the company favorably for future opportunities.
Bear Case
- Despite positive sentiment, some analysts express concerns about the competitive landscape, which could impact market share.
- Recent economic indicators suggest potential headwinds that may affect consumer spending, raising questions about revenue stability.
- There are lingering uncertainties regarding regulatory changes that could impact operations and profitability in the financial sector.
- Community discussions also reveal skepticism about the company's ability to scale effectively, with some investors questioning its growth strategy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SQCF Latest News
No recent news available for SQCF.
SQCF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SQCF.
Price Targets
Wall Street price target analysis for SQCF.
SQCF MoonshotScore
What does this score mean?
The MoonshotScore rates SQCF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David S. Runk
CEO
David S. Runk serves as the CEO of Susquehanna Community Financial, Inc., bringing extensive experience in the financial services industry. His career includes various leadership roles within community banking, focusing on strategic planning, risk management, and business development. Runk's background encompasses a deep understanding of the local market dynamics and a commitment to serving the financial needs of individuals and businesses in the region. He has a strong track record of driving growth and profitability while maintaining a focus on customer service and community engagement.
Track Record: Under David S. Runk's leadership, Susquehanna Community Financial, Inc. has focused on enhancing its digital banking capabilities and expanding its commercial lending portfolio. He has overseen the implementation of new technologies to improve customer experience and operational efficiency. Runk has also emphasized the importance of maintaining a strong credit culture and managing risk effectively. His strategic decisions have contributed to the company's consistent financial performance and its ability to navigate a challenging economic environment.
SQCF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Susquehanna Community Financial, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with limited operating history or those undergoing restructuring.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Lower trading volume and liquidity.
- Potential for price volatility.
- Higher risk of fraud or manipulation.
- Limited regulatory oversight.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's legal and regulatory filings.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Check for any news or reports about potential red flags or concerns.
- Long operating history since 1920.
- Presence of physical branch locations in Pennsylvania.
- Offers a range of traditional banking products and services.
- Operates under the regulatory oversight of banking authorities.
- Positive customer reviews and community reputation (if available).
Susquehanna Community Financial, Inc. Financial Services Stock: Key Questions Answered
What does Susquehanna Community Financial, Inc. do?
Susquehanna Community Financial, Inc. operates as a financial holding company providing a range of banking services to individuals and businesses. Its core business involves accepting deposits through various accounts like checking, savings, and CDs, and deploying these funds into loans. These loans include mortgage, home equity, personal, commercial, and agricultural loans.
What do analysts say about SQCF stock?
As of 2026-03-17, formal analyst ratings for SQCF are limited due to its OTC listing and smaller market capitalization. However, key valuation metrics include a P/E ratio of 18.77 and a dividend yield of 4.64%. Growth considerations center on the company's ability to expand its digital banking services and increase its commercial lending activities.
What are the main risks for SQCF?
The main risks for Susquehanna Community Financial, Inc. include competition from larger regional and national banks, which have greater resources and broader service offerings. Economic downturns could lead to credit quality deterioration and increased loan losses. Regulatory changes and compliance costs could also impact profitability. Interest rate fluctuations could affect net interest margin and overall financial performance. Additionally, the OTC market listing presents liquidity risks.
How does Susquehanna Community Financial, Inc. make money in financial services?
Susquehanna Community Financial, Inc. generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company also earns fee income from services such as debit and credit cards, online banking, and treasury management.
What is Susquehanna Community Financial, Inc.'s credit quality and risk management approach?
Susquehanna Community Financial, Inc.'s credit quality is a critical factor in its financial performance. The company's risk management approach involves assessing the creditworthiness of borrowers, setting appropriate loan loss reserves, and monitoring loan portfolio performance. Investors should review the company's financial statements and disclosures to assess its loan portfolio quality, provision levels, and risk management frameworks.
What are the key factors to evaluate for SQCF?
Evaluate SQCF on fundamentals, analyst consensus, and risk factors. Susquehanna Community Financial, Inc. presents a community banking model with a focus on serving individuals and businesses in central Pennsylvania. Not financial advice.
How frequently does SQCF data refresh on this page?
SQCF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SQCF's recent stock price performance?
Susquehanna Community Financial, Inc. (SQCF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to the company's size and OTC listing.