* 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) OCF Margin % Chart
For the Banks - Regional subindustry, Commercial National Financial (PA)'s OCF Margin %, along with its competitors' market caps and OCF 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) OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s OCF Margin % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (PA)'s OCF 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 OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial National Financial (PA) and its competitors. Over the past decade, Commercial National Financial (PA)'s OCF Margin % has ranged from 12.21 to 36.53. According to the industry distribution chart, Commercial National Financial (PA) ranks #1041 out of 1500 companies in the Banks industry, placing it in the top 69.4%.
Is Commercial National Financial (PA)'s OCF Margin % too high?
Commercial National Financial (PA)'s current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 12.21 to a high of 36.53. Based on the distribution chart, Commercial National Financial (PA) ranks #1041 out of 1500 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to BCCB and SNNF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #1041 out of 1500 companies for OCF Margin %. This places Commercial National Financial (PA) in the lower half of its industry. The industry median OCF Margin % is 29.44. Historically, Commercial National Financial (PA)'s own OCF Margin % has ranged from 12.21 to 36.53 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial National Financial (PA) and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (PA)'s current OCF Margin % 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 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 OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current OCF Margin % 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 $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:
OCF Margin %: 0.00%
GF Value™: $8.45 vs. price of $7.85 (7.1% below fair value)
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNAF has been successfully added to your 
