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21.9 (1y: -13%)
Market Cap 63.2 M P/E(ttm)
Enterprise Value 63.23 M P/B
CNAF- OTCPK (USA)
Commercial National Financial Corp (PA)
Not Rated
Top Ranked Predictable Companies
$21.90
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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» CNAF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2011

CNAF Guru Trades in Q2 2011

Chuck Royce 74,900 sh (unchged)
» More
Q3 2011

CNAF Guru Trades in Q3 2011

Chuck Royce 74,900 sh (unchged)
» More
Q4 2011

CNAF Guru Trades in Q4 2011

Chuck Royce 37,996 sh (-49.27%)
» More
Q1 2012

CNAF Guru Trades in Q1 2012

Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CNAF



No Insider Trades Found!

Ratios

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history
P/S 2.80
CNAF's P/S is ranked lower than
111857% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CNAF: 2.80 )
CNAF' s 10-Year P/S Range
Min: 0   Max: 2.8
Current: 2.8
0
2.8
EV-to-EBIT 13.3
CNAF's EV-to-EBIT is ranked higher than
96% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CNAF: 13.3 )
CNAF' s 10-Year EV-to-EBIT Range
Min: 0   Max: 0
Current: 13.3

Dividend & Buy Back

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Dividend Yield 3.56
CNAF's Dividend Yield is ranked higher than
96% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. CNAF: 3.56 )
CNAF' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 3.56
Dividend Payout 0.3349
CNAF's Dividend Payout is ranked lower than
65% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. CNAF: 0.3349 )
CNAF' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.33
Yield on cost (5-Year) 3.50
CNAF's Yield on cost (5-Year) is ranked higher than
97% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CNAF: 3.50 )
CNAF' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 3.5

Valuation & Return

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Business Description

Commercial National Financial Corporation is a Pennsylvania corporation and is registered as a bank holding company under the Bank Holding Company Act of 1956 as amended. Through its subsidiary the Corporation is engaged in banking and trust operations. The Bank offers a range of banking services normally associated with a general commercial banking business. Services include extending credit, providing deposit services, marketing non-deposit investments and offering financial counseling. Each of the banking offices is equipped with a 24 hour a day automatic teller machine (ATM). Bank ATM units are also located on the campus of Saint Vincent College in Unity Township, the terminal of the Arnold Palmer Regional Airport, at the Latrobe Area Hospital, an in-store machine in the Norvelt Open Pantry and Latrobe 30 Shop-N- Save. A separate freestanding drive-up teller staffed banking facility is attached to the Lincoln Road office in Latrobe. This facility also provides ATM service. By using a personal computer with internet access, customers can access their Commercial Bank accounts, perform common banking tasks and pay bills 24 hours a day, seven days a week, 365 days a year. The Corporation competes for deposits, loans and banking services with major financial institutions, several national and state banks, thrift institutions, credit unions, mortgage brokers, finance companies, insurance companies, investment companies and mutual funds. The Corporation, as a bank holding company is subject to regulation by the Federal Reserve Board (FRB), the Securities and Exchange Commission, and the Federal Deposit Insurance Corporation (FDIC).
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for CNAF

Headlines

Articles On GuruFocus.com
Commercial National Financial Corp. Reports Operating Results (10-Q) Nov 10 2010 
Commercial National Financial Corp. Reports Operating Results (10-Q) May 13 2010 
Commercial National Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 
Commercial National Financial Corp. Reports Operating Results (10-Q) Aug 10 2009 
Commercial National Financial Corp. Reports Operating Results (10-Q) May 11 2009 

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