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Commercial National Financial (PA)CNAF 59 5-Year Yield-on-Cost % is 2.93 as of Jul. 18, 2026, which is 2% above its 10-year median of 2.86. GuruFocus rates CNAF with a GF Score™ of 59/100 and a GF Value™ of $8.87 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,255 Banks companies, Commercial National Financial (PA) ranks worse than 66.45% on this metric.
The historical rank and industry rank for Commercial National Financial (PA)'s 5-Year Yield-on-Cost % or its related term are showing as below:
CNAF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.14 Med: 2.86 Max: 7.27
Current: 2.93
During the past 13 years, Commercial National Financial (PA)'s highest Yield on Cost was 7.27. The lowest was 2.14. And the median was 2.86.
CNAF's 5-Year Yield-on-Cost % is ranked worse than 66.45% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs CNAF: 2.93
Commercial National Financial (PA) (OTCPK:CNAF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Commercial National Financial (PA) 5-Year Yield-on-Cost % Related Terms
CNAF vs MCHT, UNIF, SNNF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Commercial National Financial (PA)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (PA)'s 5-Year Yield-on-Cost % falls into.
Commercial National Financial (PA) 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Commercial National Financial (PA) (CNAF) has a 5-Year Yield-on-Cost % of 2.93 as of Jul. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commercial National Financial (PA) and its competitors. This is near median its historical median of 2.86. Over the past decade, Commercial National Financial (PA)'s 5-Year Yield-on-Cost % has ranged from 2.14 to 7.27. According to the industry distribution chart, Commercial National Financial (PA) ranks #834 out of 1255 companies in the Banks industry, placing it in the top 66.5%.
Is Commercial National Financial (PA)'s 5-Year Yield-on-Cost % too high?
Commercial National Financial (PA)'s current 5-Year Yield-on-Cost % of 2.93 is near median its 10-year median of 2.86. Over the past 10 years, this metric has ranged from a low of 2.14 to a high of 7.27. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Commercial National Financial (PA)'s value of 2.93 is 23.9% below this industry median. Based on the distribution chart, Commercial National Financial (PA) ranks #834 out of 1255 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 5-Year Yield-on-Cost % compare to MCHT and UNIF?
According to the Banks industry distribution chart, Commercial National Financial (PA) ranks #834 out of 1255 companies for 5-Year Yield-on-Cost %. This places Commercial National Financial (PA) in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Commercial National Financial (PA)'s value of 2.93 is 23.9% below this benchmark. Historically, Commercial National Financial (PA)'s own 5-Year Yield-on-Cost % has ranged from 2.14 to 7.27 over the past decade. While the company's 10-year median is 2.86 vs. the industry median of 3.85, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (PA)'s current 5-Year Yield-on-Cost % of 2.93 is 23.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commercial National Financial (PA) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (PA)'s current 5-Year Yield-on-Cost % is 2.93, which is near median its own 10-year median of 2.86. 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 $8.87, compared to a current price of $8.32 — trading 6.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.93, which is near median its 10-year median of 2.86 and 23.9% below the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Commercial National Financial (PA) (CNAF), the current 5-Year Yield-on-Cost % is 2.93 as of Jul. 18, 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 $8.32 is trading 6.2% below its estimated GF Value™ of $8.87.
GuruFocus considers Commercial National Financial (PA) to be Fairly Valued.
Key valuation signals for CNAF:
5-Year Yield-on-Cost %: 2.93 (near median its 10-year median of 2.86)
GF Value™: $8.87 vs. price of $8.32 (6.2% below fair value)
Industry Position: 23.9% below the Banks median (#834 of 1255)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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