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CNAF Stock Chart & Stats
$9.08
$0.00(0.00%)
At close: 4:00 PM EDT
$9.08
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$7.50 - $9.40
Previous CloseN/A
Volume6.30K
Average Volume (3M)1.61K
Market Cap
$25.66M
Enterprise Value$29.39
Total Cash (Recent Filing)$4.18M
Total Debt (Recent Filing)$10.71M
Price to Earnings (P/E)12.5
Beta0.28
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.75%
Share Statistics
EPS (TTM)0.71
Shares Outstanding2,861,000
10 Day Avg. Volume2,873
30 Day Avg. Volume1,609
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
Bulls Say, Bears Say
Bulls Say
Consistent Positive Cash FlowSustained 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.
Meaningful Equity Base And De-leveragingA sizable equity base and the material de-leveraging in 2025 strengthen capital adequacy and loss-absorption capacity. This structural capital improvement enhances resilience to credit cycles and allows more stable lending and regulatory flexibility over the medium term.
Sustained ProfitabilityDespite margin compression, the company continues to generate positive net income and healthy gross profitability. Persistent profitability underpins the franchise economics, supports dividend policy and provides time to address structural margin pressures without immediate solvency risk.
Bears Say
Revenue Volatility And 2025 DeclineMaterial 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.
Significant Margin CompressionA marked decline in net margins signals weakening earnings power and potential structural cost or revenue mix issues. Persistently lower margins reduce retained earnings, constrain capital build-up and make long-term dividend and growth plans more vulnerable to economic stress.
Volatile Leverage And Falling ROESwinging leverage and declining return on equity indicate unstable capital management and earnings efficiency. This variability raises execution risk: management may need to prioritize de-risking over growth, limiting strategic flexibility and increasing sensitivity to adverse credit or rate moves.
CNAF FAQ
What was Commercial National Financial Corp.’s price range in the past 12 months?
Commercial National Financial Corp. lowest stock price was $7.50 and its highest was $9.40 in the past 12 months.
What is Commercial National Financial Corp.’s market cap?
Commercial National Financial Corp.’s market cap is $25.66M.
When is Commercial National Financial Corp.’s upcoming earnings report date?
Commercial National Financial Corp.’s upcoming earnings report date is Oct 22, 2026 which is in 34 days.
How were Commercial National Financial Corp.’s earnings last quarter?
Commercial National Financial Corp. released its earnings results on Jul 22, 2026. The company reported $0.175 earnings per share for the quarter.
Is Commercial National Financial Corp. overvalued?
According to Wall Street analysts Commercial National Financial Corp.’s price is currently Overvalued.
Does Commercial National Financial Corp. pay dividends?
Commercial National Financial Corp. pays a Quarterly dividend of $0.13 which represents an annual dividend yield of 5.75%. See more information on Commercial National Financial Corp. dividends here
What is Commercial National Financial Corp.’s EPS estimate?
Commercial National Financial Corp.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Commercial National Financial Corp. have?
Commercial National Financial Corp. has 2,861,000 shares outstanding.
What happened to Commercial National Financial Corp.’s price movement after its last earnings report?
Commercial National Financial Corp. reported an EPS of $0.175 in its last earnings report. Following the earnings report the stock price went up 0.41%.
Which hedge fund is a major shareholder of Commercial National Financial Corp.?
Currently, no hedge funds are holding shares in CNAF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Commercial National Financial Corp.
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 deposit options, including checking, savings, and money market investment accounts, alongside business-specific time deposits and certificates of deposit. For individuals and businesses seeking credit, they offer a wide array of loan products. These encompass personal and auto loans, home equity lines of credit, as well as residential, construction, and commercial mortgages. The company further enhances client convenience with modern banking tools like ATM access, debit cards, online and mobile banking, and digital bill payment services. Additional offerings include direct deposit, payroll processing, and night depository facilities. Beyond traditional banking, Commercial National Financial Corporation extends its expertise to asset management and trust services. These specialized offerings cover trust and estate planning, investment management, cash management solutions, and various retirement products. The corporation operates through a network of seven local branches situated in Hempfield Township, Latrobe, Ligonier, Unity Township, and West Newton. Established in 1934, its main operational base is located in Latrobe, Pennsylvania.
Technical Analysis
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Ownership Overview
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Insiders
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Mutual Funds
3.55% Other Institutional Investors
96.45% Public Companies and
Individual Investors