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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 : 7/10

vs
industry
vs
history
Cash to Debt No Debt
CNAF's Cash to Debt is ranked higher than
99% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. CNAF: No Debt )
Ranked among companies with meaningful Cash to Debt only.
CNAF' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.39 Max: No Debt
Current: No Debt
Equity to Asset 0.16
CNAF's Equity to Asset is ranked higher than
87% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNAF: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
CNAF' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.16
Current: 0.16
0.1
0.16
Interest Coverage 11.66
CNAF's Interest Coverage is ranked higher than
90% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CNAF: 11.66 )
Ranked among companies with meaningful Interest Coverage only.
CNAF' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 2.08 Max: 19.19
Current: 11.66
0.57
19.19
F-Score: 3
WACC vs ROIC
4.51%
6.13%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 28.04
CNAF's Operating margin (%) is ranked lower than
57% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. CNAF: 28.04 )
Ranked among companies with meaningful Operating margin (%) only.
CNAF' s Operating margin (%) Range Over the Past 10 Years
Min: 26.73  Med: 32.53 Max: 41.4
Current: 28.04
26.73
41.4
Net-margin (%) 21.74
CNAF's Net-margin (%) is ranked lower than
52% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. CNAF: 21.74 )
Ranked among companies with meaningful Net-margin (%) only.
CNAF' s Net-margin (%) Range Over the Past 10 Years
Min: 19.94  Med: 27.84 Max: 35.49
Current: 21.74
19.94
35.49
ROE (%) 6.80
CNAF's ROE (%) is ranked lower than
63% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CNAF: 6.80 )
Ranked among companies with meaningful ROE (%) only.
CNAF' s ROE (%) Range Over the Past 10 Years
Min: 6.8  Med: 10.66 Max: 13.63
Current: 6.8
6.8
13.63
ROA (%) 0.97
CNAF's ROA (%) is ranked higher than
57% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CNAF: 0.97 )
Ranked among companies with meaningful ROA (%) only.
CNAF' s ROA (%) Range Over the Past 10 Years
Min: 0.87  Med: 1.38 Max: 1.78
Current: 0.97
0.87
1.78
Revenue Growth (3Y)(%) 2.30
CNAF's Revenue Growth (3Y)(%) is ranked lower than
57% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CNAF: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNAF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.2  Med: 4.2 Max: 10.2
Current: 2.3
-7.2
10.2
EBITDA Growth (3Y)(%) 1.40
CNAF's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CNAF: 1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNAF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -42  Med: 1.8 Max: 58.9
Current: 1.4
-42
58.9
EPS Growth (3Y)(%) -5.40
CNAF's EPS Growth (3Y)(%) is ranked lower than
79% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CNAF: -5.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNAF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -49.9  Med: 3.85 Max: 77.7
Current: -5.4
-49.9
77.7
GuruFocus has detected 5 Warning Signs with Commercial National Financial Corp (PA) $CNAF.
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» CNAF's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FBSS, OTCPK:FABK, OTCPK:FXNC, OTCPK:CMOH, NAS:CZWI, OTCPK:STND, NAS:HMTA, NAS:SSFN, NAS:WEBK, NAS:PNBK, NAS:WBKC, NAS:EMCF, NAS:FUSB, NAS:BOTJ, OTCPK:FDVA, OTCPK:AVLY, OTCPK:FFHD, OTCPK:JFBC, OTCPK:SABK, OTCPK:HLND » details
Commercial National Financial Corp (PA) is a bank holding company. The Company, through its subsidiaries is engaged in banking and trust operations.

Commercial National Financial Corp (PA) 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 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).

Ratios

vs
industry
vs
history
P/E(ttm) 16.54
CNAF's P/E(ttm) is ranked lower than
60% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. CNAF: 16.54 )
Ranked among companies with meaningful P/E(ttm) only.
CNAF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.28  Med: 10.61 Max: 46.81
Current: 16.54
6.28
46.81
PE(NRI) 16.54
CNAF's PE(NRI) is ranked lower than
60% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CNAF: 16.54 )
Ranked among companies with meaningful PE(NRI) only.
CNAF' s PE(NRI) Range Over the Past 10 Years
Min: 6.28  Med: 10.61 Max: 46.81
Current: 16.54
6.28
46.81
Price/Owner Earnings (ttm) 20.89
CNAF's Price/Owner Earnings (ttm) is ranked lower than
71% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. CNAF: 20.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CNAF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.24  Med: 11.34 Max: 53.4
Current: 20.89
6.24
53.4
P/B 1.06
CNAF's P/B is ranked higher than
58% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CNAF: 1.06 )
Ranked among companies with meaningful P/B only.
CNAF' s P/B Range Over the Past 10 Years
Min: 0.95  Med: 1.16 Max: 1.85
Current: 1.06
0.95
1.85
P/S 4.82
CNAF's P/S is ranked lower than
74% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CNAF: 4.82 )
Ranked among companies with meaningful P/S only.
CNAF' s P/S Range Over the Past 10 Years
Min: 2.34  Med: 3.13 Max: 14.93
Current: 4.82
2.34
14.93
EV-to-EBIT 12.42
CNAF's EV-to-EBIT is ranked higher than
50% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. CNAF: 12.42 )
Ranked among companies with meaningful EV-to-EBIT only.
CNAF' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.2  Med: 11.8 Max: 19.4
Current: 12.42
0.2
19.4
EV-to-EBITDA 12.42
CNAF's EV-to-EBITDA is ranked lower than
56% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. CNAF: 12.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNAF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.2  Med: 10.95 Max: 17.5
Current: 12.42
0.2
17.5
Shiller P/E 11.62
CNAF's Shiller P/E is ranked higher than
84% of the 484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.92 vs. CNAF: 11.62 )
Ranked among companies with meaningful Shiller P/E only.
CNAF' s Shiller P/E Range Over the Past 10 Years
Min: 9.84  Med: 13.42 Max: 18.48
Current: 11.62
9.84
18.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.73
CNAF's Dividend Yield is ranked higher than
81% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. CNAF: 4.73 )
Ranked among companies with meaningful Dividend Yield only.
CNAF' s Dividend Yield Range Over the Past 10 Years
Min: 1.18  Med: 4.68 Max: 6.4
Current: 4.73
1.18
6.4
Dividend Payout 0.68
CNAF's Dividend Payout is ranked lower than
89% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CNAF: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
CNAF' s Dividend Payout Range Over the Past 10 Years
Min: 0.41  Med: 0.54 Max: 0.86
Current: 0.68
0.41
0.86
Dividend Growth (3y) 2.70
CNAF's Dividend Growth (3y) is ranked lower than
69% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. CNAF: 2.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CNAF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -7.2  Med: 5.15 Max: 35.7
Current: 2.7
-7.2
35.7
Forward Dividend Yield 4.73
CNAF's Forward Dividend Yield is ranked higher than
79% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. CNAF: 4.73 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.78
CNAF's Yield on cost (5-Year) is ranked higher than
76% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. CNAF: 5.78 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNAF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.44  Med: 5.72 Max: 7.82
Current: 5.78
1.44
7.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
CNAF's Price/Tangible Book is ranked higher than
60% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CNAF: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
CNAF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.95  Med: 1.44 Max: 1.92
Current: 1.06
0.95
1.92
Price/Projected FCF 0.92
CNAF's Price/Projected FCF is ranked lower than
62% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CNAF: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
CNAF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.87 Max: 1.15
Current: 0.92
0.57
1.15
Price/Median PS Value 1.54
CNAF's Price/Median PS Value is ranked lower than
82% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CNAF: 1.54 )
Ranked among companies with meaningful Price/Median PS Value only.
CNAF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.77  Med: 1.26 Max: 4.58
Current: 1.54
0.77
4.58
Price/Graham Number 0.88
CNAF's Price/Graham Number is ranked higher than
54% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CNAF: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
CNAF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 0.94 Max: 3.76
Current: 0.88
0.57
3.76
Earnings Yield (Greenblatt) (%) 8.10
CNAF's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CNAF: 8.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNAF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.2  Med: 8.5 Max: 536
Current: 8.1
5.2
536
Forward Rate of Return (Yacktman) (%) -1.49
CNAF's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CNAF: -1.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNAF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.1  Med: 12.4 Max: 48.1
Current: -1.49
-18.1
48.1

More Statistics

Revenue (TTM) (Mil) $17.34
EPS (TTM) $ 1.33
Beta0.36
Short Percentage of Float0.04%
52-Week Range $19.50 - 22.50
Shares Outstanding (Mil)2.86
» 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 

More From Other Websites
Commercial National Financial Corporation Announces Completed Merger With Capital Directions, Inc. Jan 03 2017
Commercial National Declares $.26 Per Share Fourth Quarter Dividend Nov 15 2016
2016 Third Quarter Earnings Nov 08 2016
Commercial National Financial Corp. (Pennsylvania) :CNAF-US: Earnings Analysis: Q3, 2016 By the... Nov 01 2016
Commercial National Reports September 30, 2016 Earnings Oct 31 2016
Commercial National Financial Corp. (Pennsylvania) : CNAF-US: Dividend Analysis : August 26th, 2016... Oct 21 2016
Commercial National Declares $.26 Per Share Third Quarter Dividend Aug 16 2016
Commercial National Financial Corp. (Pennsylvania) :CNAF-US: Earnings Analysis: Q2, 2016 By the... Aug 03 2016
Commercial National Reports June 30, 2016 Earnings Jul 28 2016
Commercial National Financial Corp. (Pennsylvania) : Undervalued relative to peers, but don’t... Jun 22 2016
OTCQX Dividend Index Launches Jun 02 2016
Commercial National Financial Corp. (Pennsylvania) :CNAF-US: Earnings Analysis: Q1, 2016 By the... May 18 2016
Commercial National Declares $.26 Per Share Second Quarter Dividend May 17 2016
Commercial National Reports March 31, 2016 Earnings May 02 2016
Commercial National Financial Corp. (Pennsylvania) : Fairly valued, but don’t skip the other... Apr 20 2016
Commercial National Declares $.26 Per Share First Quarter Dividend Feb 16 2016
Commercial National Financial Corp. (Pennsylvania) Earnings Analysis: 2015 By the Numbers Feb 04 2016
Commercial National Reports December 31, 2015 Earnings Jan 29 2016

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