CNAF (Commercial National Financial (PA)) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is Commercial National Financial (PA) LT-Debt-to-Total-Asset?

Commercial National Financial (PA) CNAF 60 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates CNAF with a GF Score™ of 60/100 and a GF Value™ of $8.88 (Modestly Undervalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Commercial National Financial (PA)'s long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

Commercial National Financial (PA)'s long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

Commercial National Financial (PA) (OTCPK:CNAF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Commercial National Financial (PA) LT-Debt-to-Total-Asset Related Terms

Commercial National Financial (PA) LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Commercial National Financial (PA)'s LT-Debt-to-Total-Asset 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) LT-Debt-to-Total-Asset Chart

Commercial National Financial (PA) Annual Data

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LT-Debt-to-Total-Asset

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0.00

Commercial National Financial (PA) Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

60GF Score

Commercial National Financial Corp (PA) CNAF

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Commercial National Financial (PA) LT-Debt-to-Total-Asset Calculation

Commercial National Financial (PA)'s Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0	/	362.387
	=	0.00

Commercial National Financial (PA)'s Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	0	/	359.736
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Commercial National Financial (PA) (CNAF) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Commercial National Financial (PA) and its competitors.

Is Commercial National Financial (PA)'s LT-Debt-to-Total-Asset too high?

Commercial National Financial (PA)'s current LT-Debt-to-Total-Asset is 0.00. Overall, Commercial National Financial (PA) has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Commercial National Financial (PA)'s LT-Debt-to-Total-Asset compare to MCHT and UNIF?

Commercial National Financial (PA)'s LT-Debt-to-Total-Asset of 0.00 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Commercial National Financial (PA) and its competitors. Commercial National Financial (PA)'s current LT-Debt-to-Total-Asset is 0.00. 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 Modestly Undervalued. The stock's GF Value™ is $8.88, compared to a current price of $8.00 — trading 9.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. Commercial National Financial (PA)'s overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current LT-Debt-to-Total-Asset is 0.00 as of Mar. 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 undervalued. The current stock price of $8.00 is trading 9.9% below its estimated GF Value™ of $8.88. GuruFocus considers Commercial National Financial (PA) to be Modestly Undervalued.

Key valuation signals for CNAF:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $8.88 vs. price of $8.00 (9.9% below fair value)
GF Score™: 60/100 with 2 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

Industry Financial Services Banks

Comparable Companies MCHT UNIF SNNF BCCB GWBK FLEW MKIN GOVB CIBN TDCB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 900 Ligonier Street, PO Box 429, Latrobe, PA, USA, 15650

Website https://www.cnbthebankonline.com

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.

60GF Score

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$8.00

Price

$8.88

GF Value

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