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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.13
CNAF's Cash-to-Debt is ranked lower than
92% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. CNAF: 0.13 )
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: 0.13
Equity-to-Asset 0.14
CNAF's Equity-to-Asset is ranked higher than
81% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNAF: 0.14 )
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: 0.14
0.1
0.16
Interest Coverage 11.91
CNAF's Interest Coverage is ranked higher than
90% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CNAF: 11.91 )
Ranked among companies with meaningful Interest Coverage only.
CNAF' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 3.21 Max: 19.19
Current: 11.91
0.57
19.19
WACC vs ROIC
3.76%
6.18%
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 : 4/10

vs
industry
vs
history
Operating Margin % 26.84
CNAF's Operating Margin % is ranked lower than
63% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CNAF: 26.84 )
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: 26.84
26.73
41.4
Net Margin % 22.55
CNAF's Net Margin % is ranked lower than
51% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. CNAF: 22.55 )
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: 22.55
19.94
35.49
ROE % 6.80
CNAF's ROE % is ranked lower than
64% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 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 % 1.00
CNAF's ROA % is ranked higher than
58% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CNAF: 1.00 )
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: 1
0.87
1.78
3-Year Revenue Growth Rate 1.50
CNAF's 3-Year Revenue Growth Rate is ranked lower than
65% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CNAF: 1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CNAF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.2  Med: 2.3 Max: 10.2
Current: 1.5
-7.2
10.2
3-Year EBITDA Growth Rate -0.40
CNAF's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CNAF: -0.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CNAF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -42  Med: 1.4 Max: 58.9
Current: -0.4
-42
58.9
3-Year EPS without NRI Growth Rate -9.10
CNAF's 3-Year EPS without NRI Growth Rate is ranked lower than
84% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CNAF: -9.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CNAF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -49.9  Med: 3.5 Max: 77.7
Current: -9.1
-49.9
77.7
GuruFocus has detected 5 Warning Signs with Commercial National Financial Corp (PA) $CNAF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CNAF's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:HLND, NAS:PBIB, NAS:EMCF, OTCBB:FETM, OTCPK:BVBC, OTCPK:SABK, OTCPK:HCFB, NAS:UBCP, NAS:HMTA, NAS:PNBK, OTCPK:AVLY, OTCPK:CBCO, OTCPK:JFBC, NAS:BOTJ, NAS:WBKC, NAS:ESBK, NAS:PFBX, NAS:FUSB, NAS:WEBK, OTCPK:PBCA » details
Headquarter Location:USA
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 operates under a state bank charter and provides full banking services. Commercial National Financial Corporation is subject to regulation by the Federal Reserve Board and the Bank is subject to regulation by the Federal Deposit Insurance Corporation (FDIC) and the Pennsylvania Department of Banking and Securities. The Bank's primary business consists of taking deposits and granting loans to customers who generally do business in the area of Westmoreland County, Pennsylvania.

Ratios

vs
industry
vs
history
PE Ratio 16.04
CNAF's PE Ratio is ranked lower than
59% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CNAF: 16.04 )
Ranked among companies with meaningful PE Ratio only.
CNAF' s PE Ratio Range Over the Past 10 Years
Min: 6.28  Med: 10.65 Max: 46.81
Current: 16.04
6.28
46.81
PE Ratio without NRI 16.04
CNAF's PE Ratio without NRI is ranked lower than
57% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CNAF: 16.04 )
Ranked among companies with meaningful PE Ratio without NRI only.
CNAF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.28  Med: 10.65 Max: 46.81
Current: 16.04
6.28
46.81
Price-to-Owner-Earnings 24.91
CNAF's Price-to-Owner-Earnings is ranked lower than
84% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. CNAF: 24.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CNAF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.24  Med: 11.36 Max: 53.4
Current: 24.91
6.24
53.4
PB Ratio 1.09
CNAF's PB Ratio is ranked higher than
57% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CNAF: 1.09 )
Ranked among companies with meaningful PB Ratio only.
CNAF' s PB Ratio Range Over the Past 10 Years
Min: 0.95  Med: 1.15 Max: 1.73
Current: 1.09
0.95
1.73
PS Ratio 5.00
CNAF's PS Ratio is ranked lower than
77% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CNAF: 5.00 )
Ranked among companies with meaningful PS Ratio only.
CNAF' s PS Ratio Range Over the Past 10 Years
Min: 2.32  Med: 3.14 Max: 14.93
Current: 5
2.32
14.93
EV-to-EBIT 20.79
CNAF's EV-to-EBIT is ranked lower than
75% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. CNAF: 20.79 )
Ranked among companies with meaningful EV-to-EBIT only.
CNAF' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.2  Med: 11.7 Max: 21.1
Current: 20.79
0.2
21.1
EV-to-EBITDA 20.79
CNAF's EV-to-EBITDA is ranked lower than
79% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. CNAF: 20.79 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNAF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.2  Med: 10.9 Max: 21.1
Current: 20.79
0.2
21.1
Shiller PE Ratio 11.21
CNAF's Shiller PE Ratio is ranked higher than
83% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. CNAF: 11.21 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNAF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.84  Med: 13.37 Max: 18.48
Current: 11.21
9.84
18.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.84
CNAF's Dividend Yield % is ranked higher than
83% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CNAF: 4.84 )
Ranked among companies with meaningful Dividend Yield % only.
CNAF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.18  Med: 4.65 Max: 6.4
Current: 4.84
1.18
6.4
Dividend Payout Ratio 0.79
CNAF's Dividend Payout Ratio is ranked lower than
91% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CNAF: 0.79 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CNAF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.54 Max: 0.84
Current: 0.79
0.41
0.84
Forward Dividend Yield % 4.84
CNAF's Forward Dividend Yield % is ranked higher than
81% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CNAF: 4.84 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.64
CNAF's 5-Year Yield-on-Cost % is ranked higher than
73% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CNAF: 5.64 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CNAF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.37  Med: 5.43 Max: 7.46
Current: 5.64
1.37
7.46

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.09
CNAF's Price-to-Tangible-Book is ranked higher than
60% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CNAF: 1.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CNAF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.95  Med: 1.43 Max: 1.92
Current: 1.09
0.95
1.92
Price-to-Intrinsic-Value-Projected-FCF 0.96
CNAF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
67% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CNAF: 0.96 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CNAF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.88 Max: 1.15
Current: 0.96
0.57
1.15
Price-to-Median-PS-Value 1.59
CNAF's Price-to-Median-PS-Value is ranked lower than
84% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CNAF: 1.59 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CNAF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.26 Max: 4.56
Current: 1.59
0.77
4.56
Price-to-Graham-Number 0.88
CNAF's Price-to-Graham-Number is ranked higher than
56% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CNAF: 0.88 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CNAF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 0.93 Max: 3.76
Current: 0.88
0.57
3.76
Earnings Yield (Greenblatt) % 4.81
CNAF's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. CNAF: 4.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNAF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.7  Med: 8.6 Max: 536
Current: 4.81
4.7
536
Forward Rate of Return (Yacktman) % -5.86
CNAF's Forward Rate of Return (Yacktman) % is ranked lower than
87% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. CNAF: -5.86 )
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: -16.3  Med: 12.2 Max: 48.8
Current: -5.86
-16.3
48.8

More Statistics

Revenue (TTM) (Mil) $17.05
EPS (TTM) $ 1.34
Beta0.29
Short Percentage of Float0.04%
52-Week Range $19.55 - 22.75
Shares Outstanding (Mil)2.86
» More Articles for CNAF

Headlines

Articles On GuruFocus.com
Commercial National Declares $.26 Per Share Second Quarter Dividend May 16 2017 
Commercial National Reports March 31, 2017 Core Earnings Improvement Apr 27 2017 
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 Corp. (Pennsylvania) : CNAF-US: Dividend Analysis : May 26th, 2017... May 25 2017
Commercial National Declares $.26 Per Share Second Quarter Dividend May 16 2017
Commercial National Financial Corp. (Pennsylvania) :CNAF-US: Earnings Analysis: Q1, 2017 By the... May 01 2017
Commercial National Reports March 31, 2017 Core Earnings Improvement Apr 27 2017
Commercial National Declares $.26 Per Share First Quarter Dividend Feb 21 2017
Commercial National Financial Corp. (Pennsylvania) :CNAF-US: Earnings Analysis: 2016 By the Numbers... Feb 02 2017
Commercial National Reports December 31, 2016 Earnings Jan 31 2017
Commercial National Financial Corp. (Pennsylvania) : CNAF-US: Dividend Analysis : November 25th,... Jan 23 2017
Commercial National Declares $.26 Per Share Fourth Quarter Dividend Nov 15 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 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 Financial Corp. (Pennsylvania) : Fairly valued, but don’t skip the other... Apr 20 2016

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