CNAF (Commercial National Financial (PA)) Moat Score: 3/10 (As of Jul. 03, 2026)


CNAF Commercial National Financial Corp (PA) CNAF
60 GF Score
Price $8.00
GF Value $8.88
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Commercial National Financial (PA) Moat Score?

Commercial National Financial (PA) CNAF 60 Moat Score is 3 as of Jul. 03, 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. Among 1,611 Banks companies, Commercial National Financial (PA) ranks better than 74.49% on this metric.

Commercial National Financial (PA) has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Commercial National Financial (PA) has No Moat: Commercial National Financial Corp operates in a competitive banking sector with limited market share and no significant cost advantages or proprietary technology. The company lacks strong brand strength or regulatory barriers that would provide a sustainable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Commercial National Financial (PA) might have No Moat - Very weak/transient advantages.

Commercial National Financial (PA)  (OTCPK:CNAF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Commercial National Financial (PA) Moat Score Related Terms

CNAF vs MCHT, UNIF, SNNF: Moat Score Comparison

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

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

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


CNAF
60GF Score
Commercial National Financial Corp (PA) CNAF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Commercial National Financial (PA) (CNAF) has a Moat Score of 3 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Commercial National Financial (PA) ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Commercial National Financial (PA)'s Moat Score too high?
Commercial National Financial (PA)'s current Moat Score is 3. Based on the distribution chart, Commercial National Financial (PA) ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to MCHT and UNIF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #411 out of 1611 companies for Moat Score. This puts Commercial National Financial (PA) in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Commercial National Financial (PA)'s current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current Moat Score is 3 as of Jul. 03, 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:

  • Moat Score: 3
  • 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

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.
60GF Score

Get the complete analysis for CNAF

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

$8.00
Price
$8.88
GF Value