CNAF'
s ROE % Range Over the Past 10 Years
Min: 5.33 Med: 7.54 Max: 11.94
Current: 5.53
During the past 13 years, Commercial National Financial (PA)'s highest ROE % was 11.94%. The lowest was 5.33%. And the median was 7.54%.
CNAF's ROE % is ranked worse than 79.58% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs CNAF: 5.53
Commercial National Financial (PA) (OTCPK:CNAF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Commercial National Financial (PA) ROE % Related Terms
Commercial National Financial (PA) ROE % 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.
For the Banks - Regional subindustry, Commercial National Financial (PA)'s ROE %, along with its competitors' market caps and ROE % 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) ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s ROE % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (PA)'s ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Commercial National Financial (PA) (CNAF) has a ROE % of 5.46% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial National Financial (PA) and its competitors. This is 28% below median its historical median of 7.54. Over the past decade, Commercial National Financial (PA)'s ROE % has ranged from 5.33 to 11.94. According to the industry distribution chart, Commercial National Financial (PA) ranks #1212 out of 1523 companies in the Banks industry, placing it in the top 79.6%.
Is Commercial National Financial (PA)'s ROE % too high?
Commercial National Financial (PA)'s current ROE % of 5.46% is 28% below median its 10-year median of 7.54. Over the past 10 years, this metric has ranged from a low of 5.33 to a high of 11.94. The Banks industry median ROE % is 10.22. Commercial National Financial (PA)'s value of 5.46% is 46.6% below this industry median. Based on the distribution chart, Commercial National Financial (PA) ranks #1212 out of 1523 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 ROE % compare to BCCB and SNNF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #1212 out of 1523 companies for ROE %. This places Commercial National Financial (PA) in the lower half of its industry. The industry median ROE % is 10.22. Commercial National Financial (PA)'s value of 5.46% is 46.6% below this benchmark. Historically, Commercial National Financial (PA)'s own ROE % has ranged from 5.33 to 11.94 over the past decade. While the company's 10-year median is 7.54 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (PA)'s current ROE % of 5.46% is 46.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial National Financial (PA) and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (PA)'s current ROE % is 5.46%, which is 28% below median its own 10-year median of 7.54. 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 ROE % is 5.46%, which is 28% below median its 10-year median of 7.54 and 46.6% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current ROE % is 5.46% 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:
ROE %: 5.46% (28% below median its 10-year median of 7.54)
GF Value™: $8.45 vs. price of $7.85 (7.1% below fair value)
Industry Position: 46.6% below the Banks median (#1212 of 1523)
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
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