CNAF (Commercial National Financial (PA)) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


CNAF Commercial National Financial Corp (PA) CNAF
60 GF Score
Price $7.95
GF Value $8.88
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Commercial National Financial (PA) ROC (Joel Greenblatt) %?

Commercial National Financial (PA) CNAF -0.62% 60 ROC (Joel Greenblatt) % is % 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. Among 46 Banks companies, Commercial National Financial (PA) ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CNAF
60GF Score
Commercial National Financial Corp (PA) CNAF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Commercial National Financial (PA) (CNAF) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Commercial National Financial (PA) and its competitors. According to the industry distribution chart, Commercial National Financial (PA) ranks #999999 out of 46 companies in the Banks industry.
Is Commercial National Financial (PA)'s ROC (Joel Greenblatt) % too high?
Commercial National Financial (PA)'s current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Commercial National Financial (PA) ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to MCHT and UNIF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Commercial National Financial (PA) in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Commercial National Financial (PA) and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (PA)'s current ROC (Joel Greenblatt) % is %. 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 $7.95 — trading 10.5% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current ROC (Joel Greenblatt) % is % 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 $7.95 is trading 10.5% below its estimated GF Value™ of $8.88. GuruFocus considers Commercial National Financial (PA) to be Modestly Undervalued.

Key valuation signals for CNAF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $8.88 vs. price of $7.95 (10.5% 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.95
Price
$8.88
GF Value