Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2024-04-24), Commercial National Financial (PA)'s Intrinsic Value: Projected FCF is $23.38. The stock price of Commercial National Financial (PA) is $10.15. Therefore, Commercial National Financial (PA)'s Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.
The historical rank and industry rank for Commercial National Financial (PA)'s Intrinsic Value: Projected FCF or its related term are showing as below:
CNAF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.41 Med: 0.67 Max: 0.74
Current: 0.43
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Commercial National Financial (PA) was 0.74. The lowest was 0.41. And the median was 0.67.
CNAF's Price-to-Projected-FCF is ranked better than 52.34% of 1217
companies
in the Banks industry
Industry Median: 0.44
vs CNAF: 0.43
Commercial National Financial (PA) Intrinsic Value: Projected FCF Historical Data
The historical data trend for Commercial National Financial (PA)'s Intrinsic Value: Projected FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Commercial National Financial (PA)'s Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commercial National Financial (PA) Price-to-Projected-FCF Distribution
For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (PA)'s Price-to-Projected-FCF falls into.
Commercial National Financial (PA) Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commercial National Financial (PA) (OTCPK:CNAF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Commercial National Financial (PA)'s Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
10.15
/
23.378833473097
=
0.43
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commercial National Financial (PA) Intrinsic Value: Projected FCF Related Terms
Thank you for viewing the detailed overview of Commercial National Financial (PA)'s Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.
Commercial National Financial (PA) (Commercial National Financial (PA)) Business Description
Commercial National Financial Corp (PA) is a bank holding company. The bank's primary business includes taking deposits and granting loans to customers in the area of Westmoreland County, Pennsylvania. The bank offers a full range of banking services including extending credit, providing deposit services, marketing non-deposit investments and offering financial counseling. It provides traditional banking and related financial services to individual, business and government customers which include time, savings and demand deposits, the making of commercial, consumer and mortgage loans, and other financial services.
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