Commercial National Financial AI Stock Analysis
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Commercial National Financial (CNAF) AI Stock Analysis
Commercial National Financial
(Other OTC:CNAF)
The score is primarily held back by weakening financial performance trends (notably margin/return compression and a sharp 2025 revenue decline) and modestly weak technical momentum (negative MACD, below the 50-day average). These risks are partly balanced by supportive valuation metrics, including a moderate P/E and a high dividend yield.
Commercial National Financial (CNAF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $23.95M
- Dividend Yield
- 5.97%
- Average Volume (3M)
- 3,415
- Price to Earnings (P/E)
- 10.6
- Beta (1Y)
- 0.31
- Revenue Growth
- -1.87%
- EPS Growth
- 14.96%
- Country
- US
- Employees
- 76
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 diverse...
Commercial National Financial Financial Statement Overview
Summary
Financials show continued profitability and positive operating/free cash flow, but business momentum has weakened: revenue was flat-to-volatile with a sharp decline in 2025, net margins compressed materially (about ~30% in 2020 to ~11% in 2025), and returns (ROE) trended down. Leverage improved in 2025 after a 2024 spike, but capital structure volatility remains a risk.
Income Statement
54NeutralBalance Sheet
62PositiveCash Flow
57Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.86M | 17.07M | 17.37M | 16.86M | 16.32M | 18.60M |
| Gross Profit | 16.13M | 15.63M | 15.62M | 15.77M | 16.49M | 17.83M |
| EBITDA | 2.20M | 1.82M | 2.21M | 3.62M | 4.54M | 5.80M |
| Net Income | 2.24M | 1.88M | 1.84M | 3.05M | 3.91M | 4.68M |
Balance Sheet | ||||||
| Total Assets | 393.78M | 363.29M | 375.10M | 390.62M | 408.37M | 471.98M |
| Cash, Cash Equivalents and Short-Term Investments | 6.07M | 3.86M | 20.52M | 167.28M | 176.60M | 228.27M |
| Total Debt | 57.04M | 17.54M | 38.98M | 25.32M | 6.71M | 861.00K |
| Total Liabilities | 365.09M | 325.54M | 342.32M | 354.48M | 375.92M | 406.99M |
| Stockholders Equity | 28.70M | 37.75M | 32.77M | 36.14M | 32.46M | 64.98M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 1.38M | 1.58M | 2.60M | 3.22M | 3.37M |
| Operating Cash Flow | 0 | 1.81M | 1.92M | 3.35M | 3.53M | 3.54M |
| Investing Cash Flow | 0 | 17.39M | 12.61M | 20.32M | 1.08M | -44.13M |
| Financing Cash Flow | 0 | -18.54M | -14.91M | -24.56M | -31.61M | 45.58M |
Commercial National Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNAF, the sentiment is Neutral. The current price of 8.37 is below the 20-day moving average (MA) of 8.37, below the 50-day MA of 8.60, and above the 200-day MA of 8.20, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 45.15 is Neutral, neither overbought nor oversold. The STOCH value of 63.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CNAF.
Commercial National Financial Peers Comparison
Overall Rating
KFFB62Neutral- CNAF59Neutral
GLBZ39Underperform
SHFS37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $46.74M | 19.36 | 4.97% | 0.85% | 7.36% | 360.42% |
| CNAF | 59Neutral | $23.95M | 10.59 | 6.41% | 5.97% | -1.87% | 14.96% |
| GLBZ | 39Underperform | $11.97M | -151.50 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 37Underperform | $2.10M | -0.00 | -0.37% | ― | -14.63% | 94.07% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CNAF | Commercial National Financial | 8.37 | 1.21 | 16.89% | |
| CARV | Carver Bancorp | 1.99 | -1.52 | -43.30% | |
| GLBZ | Glen Burnie | 4.05 | -0.71 | -14.99% | |
| KFFB | Kentucky First Federal | 5.87 | 1.58 | 36.74% | |
| SHFS | Shf Holdings Inc. | 0.02 | -17.14 | -99.86% | |
| MBBC | Marathon Bancorp, Inc. | 14.57 | 3.62 | 33.06% |
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.
Date of analysis: Nov 04, 2026