CNAF (Commercial National Financial (PA)) Cyclically Adjusted Revenue per Share: $7.06 (As of Jun. 2026)

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CNAF Commercial National Financial Corp (PA) CNAF
61 GF Score
Price $8.96
GF Value $8.66
Valuation Fairly Valued
! 5 Warning Signs
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What is Commercial National Financial (PA) Cyclically Adjusted Revenue per Share?

Commercial National Financial (PA) CNAF 61 Cyclically Adjusted Revenue per Share is $7.06 as of Jun. 2026. GuruFocus rates CNAF with a GF Score™ of 61/100 and a GF Value™ of $8.66 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Commercial National Financial (PA)'s adjusted revenue per share for the three months ended in Jun. 2026 was $1.413. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $7.06 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Commercial National Financial (PA)'s average Cyclically Adjusted Revenue Growth Rate was -1.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was -1.30% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 0.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 1.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Commercial National Financial (PA) was 3.40% per year. The lowest was -1.30% per year. And the median was 1.90% per year.

As of today (2026-09-02), Commercial National Financial (PA)'s current stock price is $8.96. Commercial National Financial (PA)'s Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $7.06. Commercial National Financial (PA)'s Cyclically Adjusted PS Ratio of today is 1.27.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Commercial National Financial (PA) was 3.52. The lowest was 0.87. And the median was 2.49.


Commercial National Financial (PA)  (OTCPK:CNAF) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Commercial National Financial (PA)'s Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=8.96/7.06
=1.27

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Commercial National Financial (PA) was 3.52. The lowest was 0.87. And the median was 2.49.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Commercial National Financial (PA) Cyclically Adjusted Revenue per Share Related Terms


Commercial National Financial (PA) Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Commercial National Financial (PA)'s Cyclically Adjusted Revenue per Share 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.

Commercial National Financial (PA) Cyclically Adjusted Revenue per Share Chart

Commercial National Financial (PA) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.25 7.31 7.33 7.26 7.02

Commercial National Financial (PA) Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share 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 7.13 7.11 7.02 7.07 7.06

CNAF vs CAIB, FBPI, GTPS: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Commercial National Financial (PA)'s Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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) Cyclically Adjusted PS Ratio vs Banks Industry

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

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


CNAF
61GF Score
Commercial National Financial Corp (PA) CNAF
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Commercial National Financial (PA) Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Commercial National Financial (PA)'s adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.413/333.9520*333.9520
=1.413

Current CPI (Jun. 2026) = 333.9520.

Commercial National Financial (PA) Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.401 241.428 1.938
201612 1.286 241.432 1.779
201703 1.470 243.801 2.014
201706 1.558 244.955 2.124
201709 1.578 246.819 2.135
201712 1.643 246.524 2.226
201803 1.513 249.554 2.025
201806 1.507 251.989 1.997
201809 1.546 252.439 2.045
201812 1.290 251.233 1.715
201903 1.571 254.202 2.064
201906 1.545 256.143 2.014
201909 1.607 256.759 2.090
201912 1.353 256.974 1.758
202003 1.816 258.115 2.350
202006 1.794 257.797 2.324
202009 1.607 260.280 2.062
202012 1.343 260.474 1.722
202103 1.531 264.877 1.930
202106 1.518 271.696 1.866
202109 1.480 274.310 1.802
202112 1.894 278.802 2.269
202203 1.566 287.504 1.819
202206 1.490 296.311 1.679
202209 1.167 296.808 1.313
202212 1.345 296.797 1.513
202303 1.466 301.836 1.622
202306 1.432 305.109 1.567
202309 1.391 307.789 1.509
202312 1.093 306.746 1.190
202403 1.369 312.332 1.464
202406 1.334 314.175 1.418
202409 1.314 315.301 1.392
202412 1.340 315.605 1.418
202503 1.342 319.799 1.401
202506 1.361 322.561 1.409
202509 1.356 324.800 1.394
202512 1.386 324.054 1.428
202603 1.392 330.213 1.408
202606 1.413 333.952 1.413

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $7.06 mean?
Commercial National Financial (PA) (CNAF) has a Cyclically Adjusted Revenue per Share of $7.06 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Commercial National Financial (PA) and its competitors.
Is Commercial National Financial (PA)'s Cyclically Adjusted Revenue per Share too high?
Commercial National Financial (PA)'s current Cyclically Adjusted Revenue per Share is $7.06. Overall, Commercial National Financial (PA) has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial National Financial (PA)'s Cyclically Adjusted Revenue per Share compare to CAIB and FBPI?
Commercial National Financial (PA)'s Cyclically Adjusted Revenue per Share of $7.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Commercial National Financial (PA) and its competitors. Commercial National Financial (PA)'s current Cyclically Adjusted Revenue per Share is $7.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial National Financial (PA) stock overvalued right now?
Based on GuruFocus' analysis, Commercial National Financial (PA) (CNAF) is currently considered Fairly Valued. The stock's GF Value™ is $8.66, compared to a current price of $8.96 — trading 3.5% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $7.06. Commercial National Financial (PA)'s overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current Cyclically Adjusted Revenue per Share is $7.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Commercial National Financial (PA) (CNAF) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial National Financial (PA) stock appears to be overvalued. The current stock price of $8.96 is trading 3.5% above its estimated GF Value™ of $8.66. GuruFocus considers Commercial National Financial (PA) to be Fairly Valued.

Key valuation signals for CNAF:

  • Cyclically Adjusted Revenue per Share: $7.06
  • GF Value™: $8.66 vs. price of $8.96 (3.5% above fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the CNAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Commercial National Financial (PA) Business Description

Address 900 Ligonier Street, PO Box 429, Latrobe, PA, USA, 15650
Commercial National Financial Corp (PA) is a bank holding company. The Bank operates under a state bank charter and provides full banking services. 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.
61GF Score

Get the complete analysis for CNAF

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.96
Price
$8.66
GF Value