GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Commercial National Financial Corp (PA) (OTCPK:CNAF) » Definitions » PB Ratio
中文

Commercial National Financial (PA) (Commercial National Financial (PA)) PB Ratio

: 0.80 (As of Today)
View and export this data going back to 2012. Start your Free Trial

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-23), Commercial National Financial (PA)'s share price is $10.15. Commercial National Financial (PA)'s Book Value per Share for the quarter that ended in Dec. 2023 was $12.63. Hence, Commercial National Financial (PA)'s PB Ratio of today is 0.80.

Good Sign:

Commercial National Financial Corp (PA) stock PB Ratio (=0.8) is close to 3-year low of 0.75

The historical rank and industry rank for Commercial National Financial (PA)'s PB Ratio or its related term are showing as below:

CNAF' s PB Ratio Range Over the Past 10 Years
Min: 0.67   Med: 1.04   Max: 1.41
Current: 0.8

During the past 13 years, Commercial National Financial (PA)'s highest PB Ratio was 1.41. The lowest was 0.67. And the median was 1.04.

CNAF's PB Ratio is ranked better than
55.27% of 1460 companies
in the Banks industry
Industry Median: 0.85 vs CNAF: 0.80

During the past 12 months, Commercial National Financial (PA)'s average Book Value Per Share Growth Rate was 11.30% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -19.60% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -12.20% per year. During the past 10 years, the average Book Value Per Share Growth Rate was -2.30% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Commercial National Financial (PA) was 10.70% per year. The lowest was -19.80% per year. And the median was 3.50% per year.

Back to Basics: PB Ratio


Commercial National Financial (PA) PB Ratio Historical Data

The historical data trend for Commercial National Financial (PA)'s PB Ratio 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.

* Premium members only.

Commercial National Financial (PA) Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.93 0.68 0.80 1.04 0.76

Commercial National Financial (PA) Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.04 0.85 0.91 1.15 0.76

Competitive Comparison

For the Banks - Regional subindustry, Commercial National Financial (PA)'s PB Ratio, along with its competitors' market caps and PB Ratio 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) PB Ratio Distribution

For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s PB Ratio distribution charts can be found below:

* The bar in red indicates where Commercial National Financial (PA)'s PB Ratio falls into.



Commercial National Financial (PA) PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Commercial National Financial (PA)'s PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=10.15/12.631
=0.80

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Commercial National Financial (PA)  (OTCPK:CNAF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Commercial National Financial (PA) PB Ratio Related Terms

Thank you for viewing the detailed overview of Commercial National Financial (PA)'s PB Ratio 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

Traded in Other Exchanges
N/A
Address
900 Ligonier Street, PO Box 429, Latrobe, PA, USA, 15650
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.
Executives
John T Babilya director ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
George V Welty director, officer: Non-Executive Chairman ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Steven H Landers director PO BOX 429, 900 LIGONIER STREET, LATROBE PA 15650
Elaine Rose Bohatch officer: VP/Chief Investmt Ofc/Trust 900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Roy Dale Landers director 900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Bruce A Robinson director 900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
C Edward Wible director ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Debra L Spatola director ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Kelly R Moreman officer: Exec VP/Mgr Risk Mgmnt PO BOX 429, LATROBE PA 15650
Cheryl M. Letterio officer: Sr Vice President/Cmplnce Ofcr 900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Frank E Jobe director ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Dorothy S Hunter director, 10 percent owner P O BOX 429, LATROBE PA 15650
Gregg E Hunter director, 10 percent owner, officer: Vice Chairman/President & CEO ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Michael A Schmidt officer: Executive Vice President/COO PO BOX 429, LATROBE PA 15650
Hunter Stock Trust director 900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650

Commercial National Financial (PA) (Commercial National Financial (PA)) Headlines