CNAF (Commercial National Financial (PA)) EV-to-FCF: (As of Aug. 01, 2026)

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CNAF Commercial National Financial Corp (PA) CNAF
62 GF Score
Price $8.59
GF Value $8.75
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Commercial National Financial (PA) EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Commercial National Financial (PA)'s Enterprise Value is $30.35 Mil. Commercial National Financial (PA)'s Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, Commercial National Financial (PA)'s EV-to-FCF for today is .

The historical rank and industry rank for Commercial National Financial (PA)'s EV-to-FCF or its related term are showing as below:

CNAF' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 22.38
Current: 22.06

During the past 13 years, the highest EV-to-FCF of Commercial National Financial (PA) was 22.38. The lowest was 0.00. And the median was 0.00.

CNAF's EV-to-FCF is ranked worse than
83.12% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs CNAF: 22.06

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-01), Commercial National Financial (PA)'s stock price is $8.5915. Commercial National Financial (PA)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $0.710. Therefore, Commercial National Financial (PA)'s PE Ratio (TTM) for today is 12.10.


Commercial National Financial (PA)  (OTCPK:CNAF) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Commercial National Financial (PA)'s PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=8.5915/0.710
=12.10

Commercial National Financial (PA)'s share price for today is $8.5915.
Commercial National Financial (PA)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.710.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Commercial National Financial (PA) EV-to-FCF Related Terms


Commercial National Financial (PA) EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Commercial National Financial (PA)'s EV-to-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.

Commercial National Financial (PA) EV-to-FCF Chart

Commercial National Financial (PA) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.48 10.65 18.20 33.57 24.42

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
EV-to-FCF 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 0.00 0.00 24.42 0.00 0.00

CNAF vs FBPI, CTYP, UNIF: EV-to-FCF Comparison

For the Banks - Regional subindustry, Commercial National Financial (PA)'s EV-to-FCF, along with its competitors' market caps and EV-to-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) EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Commercial National Financial (PA)'s EV-to-FCF falls into.


CNAF
62GF Score
Commercial National Financial Corp (PA) CNAF
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Commercial National Financial (PA) EV-to-FCF Calculation

Commercial National Financial (PA)'s EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=30.351/0
=

Commercial National Financial (PA)'s current Enterprise Value is $30.35 Mil.
Commercial National Financial (PA)'s Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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

Based on GuruFocus' analysis, Commercial National Financial (PA) stock appears to be undervalued. The current stock price of $8.59 is trading 1.8% below its estimated GF Value™ of $8.75. GuruFocus considers Commercial National Financial (PA) to be Fairly Valued.

Key valuation signals for CNAF:

  • EV-to-FCF:
  • GF Value™: $8.75 vs. price of $8.59 (1.8% below fair value)
  • GF Score™: 62/100 with 4 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.
62GF Score

Get the complete analysis for CNAF

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.59
Price
$8.75
GF Value