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Commercial National Financial
(OTC:CNAF)
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Rating:64Neutral
Price Target:
$9.50
▲(13.77% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily driven by moderate financial performance with weakening profitability and revenue volatility, partially offset by continued positive cash flow. Technicals add support due to an uptrend and positive MACD, while valuation contributes positively given the moderate P/E and high dividend yield.
Positive Factors
Consistent positive cash flow
Sustained positive operating and free cash flow across the period supports earnings quality and internal funding. Over 2-6 months this durable cash generation improves financial flexibility for lending, dividend support or balance-sheet cushioning versus peers with weaker cash conversion.
Negative Factors
Revenue volatility and 2025 decline
Material revenue volatility, including a sharp 2025 drop, undermines predictability of core banking revenues and complicates strategic planning. Over the next months, uneven top-line trends can pressure loan growth, margins and limit management's ability to invest in stabilizing initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent positive cash flow
Sustained positive operating and free cash flow across the period supports earnings quality and internal funding. Over 2-6 months this durable cash generation improves financial flexibility for lending, dividend support or balance-sheet cushioning versus peers with weaker cash conversion.
Read all positive factors
Commercial National Financial (CNAF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.83M
Dividend Yield5.32%
Average Volume (3M)3.29K
Price to Earnings (P/E)12.7
Beta (1Y)0.29
Revenue Growth-2.08%
EPS Growth8.79%
CountryUS
Employees76
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.71
Shares Outstanding2,861,000
10 Day Avg. Volume3,297
30 Day Avg. Volume3,287
Financial Highlights & Ratios
PEG Ratio3.71
Price to Book (P/B)0.58
Price to Sales (P/S)1.28
P/FCF Ratio15.89
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Commercial National Financial Business Overview & Revenue Model
Company Description
Commercial National Financial Corporation functions as a bank holding company, overseeing Commercial Bank & Trust of PA, which delivers a comprehensive suite of banking and financial services throughout Pennsylvania. The institution provides diver...
Commercial National Financial Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
62
Positive
Cash Flow
57
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.91M | 17.07M | 17.37M | 16.86M | 16.32M | 18.60M |
| Gross Profit | 15.89M | 15.63M | 15.62M | 15.77M | 16.49M | 17.83M |
| EBITDA | 1.94M | 1.82M | 1.79M | 3.62M | 4.54M | 5.80M |
| Net Income | 2.00M | 1.88M | 1.84M | 3.05M | 3.91M | 4.68M |
Balance Sheet | ||||||
| Total Assets | 358.30M | 363.29M | 375.10M | 390.62M | 408.37M | 471.98M |
| Cash, Cash Equivalents and Short-Term Investments | 4.18M | 3.86M | 20.52M | 167.28M | 176.60M | 228.27M |
| Total Debt | 10.71M | 17.54M | 38.98M | 25.32M | 6.71M | 861.00K |
| Total Liabilities | 320.63M | 325.54M | 342.32M | 354.48M | 375.92M | 406.99M |
| Stockholders Equity | 37.67M | 37.75M | 32.77M | 36.14M | 32.46M | 64.98M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.38M | 1.58M | 2.60M | 3.22M | 3.37M |
| Operating Cash Flow | 0.00 | 1.81M | 1.92M | 3.35M | 3.53M | 3.54M |
| Investing Cash Flow | 0.00 | 17.39M | 12.61M | 20.32M | 1.08M | -44.13M |
| Financing Cash Flow | 0.00 | -18.54M | -14.91M | -24.56M | -31.61M | 45.58M |
Commercial National Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $25.83M | 12.70 | 5.23% | 5.75% | -2.08% | 8.79% | |
57 Neutral | $44.23M | 23.53 | 2.87% | ― | 8.66% | 958.30% | |
42 Neutral | $2.10M | -0.17 | -303.81% | ― | -28.59% | 94.79% | |
41 Neutral | $13.05M | -82.84 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
CNAF
Commercial National Financial
9.02
2.24
33.08%
CARV
Carver Bancorp
1.67
-0.06
-3.76%
GLBZ
Glen Burnie Bancorp
4.44
0.44
11.00%
KFFB
Kentucky First Federal Bancorp
5.55
2.23
67.17%
SHFS
SHF Holdings
0.17
-2.61
-93.88%
MBBC
Marathon Bancorp
15.13
4.80
46.42%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.