CNAF (Commercial National Financial (PA)) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CNAF Commercial National Financial Corp (PA) CNAF
60 GF Score
Price $7.93
GF Value $8.87
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Commercial National Financial (PA) Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Commercial National Financial (PA) Quality Rank Related Terms

CNAF
60GF Score
Commercial National Financial Corp (PA) CNAF
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $7.93 is trading 10.6% below its estimated GF Value™ of $8.87. GuruFocus considers Commercial National Financial (PA) to be Modestly Undervalued.

Key valuation signals for CNAF:

  • Quality Rank:
  • GF Value™: $8.87 vs. price of $7.93 (10.6% 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

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

$7.93
Price
$8.87
GF Value