CNAF'
s Net Margin % Range Over the Past 10 Years
Min: 12.67 Med: 25.01 Max: 38.4
Current: 13.07
CNAF's Net Margin % is ranked worse than 84.14% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CNAF: 13.07
Commercial National Financial (PA) (OTCPK:CNAF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Commercial National Financial (PA) Net Margin % Related Terms
Commercial National Financial (PA) Net Margin % Historical Data
* 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) Net Margin % Chart
For the Banks - Regional subindustry, Commercial National Financial (PA)'s Net Margin %, along with its competitors' market caps and Net Margin % 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) Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s Net Margin % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (PA)'s Net Margin % falls into.
* 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) (CNAF) has a Net Margin % of 12.69% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Commercial National Financial (PA) and its competitors. This is 49% below median its historical median of 25.01. Over the past decade, Commercial National Financial (PA)'s Net Margin % has ranged from 12.67 to 38.40. According to the industry distribution chart, Commercial National Financial (PA) ranks #1284 out of 1526 companies in the Banks industry, placing it in the top 84.1%.
Is Commercial National Financial (PA)'s Net Margin % too high?
Commercial National Financial (PA)'s current Net Margin % of 12.69% is 49% below median its 10-year median of 25.01. Over the past 10 years, this metric has ranged from a low of 12.67 to a high of 38.40. The Banks industry median Net Margin % is 26.97. Commercial National Financial (PA)'s value of 12.69% is 52.9% below this industry median. Based on the distribution chart, Commercial National Financial (PA) ranks #1284 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Commercial National Financial (PA) has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial National Financial (PA)'s Net Margin % compare to BCCB and SNNF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #1284 out of 1526 companies for Net Margin %. This places Commercial National Financial (PA) in the lower half of its industry. The industry median Net Margin % is 26.97. Commercial National Financial (PA)'s value of 12.69% is 52.9% below this benchmark. Historically, Commercial National Financial (PA)'s own Net Margin % has ranged from 12.67 to 38.40 over the past decade. While the company's 10-year median is 25.01 vs. the industry median of 26.97, Commercial National Financial (PA) has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (PA)'s current Net Margin % of 12.69% is 52.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Commercial National Financial (PA) and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (PA)'s current Net Margin % is 12.69%, which is 49% below median its own 10-year median of 25.01. 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 $8.45, compared to a current price of $7.85 — trading 7.1% below its estimated fair value. The current Net Margin % is 12.69%, which is 49% below median its 10-year median of 25.01 and 52.9% below the Banks industry median of 26.97. Commercial National Financial (PA)'s overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current Net Margin % is 12.69% 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 $7.85 is trading 7.1% below its estimated GF Value™ of $8.45.
GuruFocus considers Commercial National Financial (PA) to be Fairly Valued.
Key valuation signals for CNAF:
Net Margin %: 12.69% (49% below median its 10-year median of 25.01)
GF Value™: $8.45 vs. price of $7.85 (7.1% below fair value)
Industry Position: 52.9% below the Banks median (#1284 of 1526)
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
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.
59GF Score
Get the complete analysis for CNAF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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