Commercial National Financial (CNAF) AI Stock Analysis

• Market Cap: $19.40M
• Dividend Yield: 10.91%
• Average Volume (3M): 3.38K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.57
• Revenue Growth: -1.12%
• EPS Growth: -36.06%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.61
• Shares Outstanding: 2,861,000
• 10 Day Avg. Volume: 7,495
• 30 Day Avg. Volume: 3,378
• PEG Ratio: -0.47
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

Commercial National Financial receives an overall score of 68. The company's financial performance is stable with strong cost management and operational efficiency but faces challenges in revenue and profit growth sustainability. Technical analysis suggests a balanced market sentiment with potential overbought conditions. The stock's valuation is appealing with a low P/E ratio and high dividend yield, which enhances its attractiveness, especially for income-seeking investors.

Commercial National Financial Business Overview & Revenue Model

Company Description

Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking products and services in Pennsylvania. It offers checking, money market investment, and savings accounts; and business-time deposits and certificates of deposit. The company also provides loan products, such as home-equity, personal lines of credit, personal, and automobile loans, as well as residential and construction mortgages; and commercial loans. In addition, it offers other services, including automatic teller machine access, debit card, online banking, mobile banking, and online bill payment services; and direct deposit/payroll processing and night depository services. Further, the company provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. It operates a network of seven community offices with facilities in Hempfield Township, Latrobe, Ligonier, Unity Township, and West Newton. The company was founded in 1934 and is headquartered in Latrobe, Pennsylvania.

How the Company Makes Money

CNAF generates revenue through interest income from loans and mortgages, as well as non-interest income from various fees and service charges associated with its financial products and services. The company's key revenue streams include interest from consumer and commercial loans, mortgage origination and servicing fees, and income from wealth management and investment advisory services. Additionally, CNAF benefits from partnerships with other financial institutions and service providers, which enhance its product offerings and market reach, contributing to its overall earnings.

Commercial National Financial Financial Statement Overview

Summary

Commercial National Financial shows strong cost management and operational efficiency. However, challenges in sustaining consistent revenue and profit growth are evident. The balance sheet is stable with low leverage, though there's inefficiency in capital utilization. Cash flows are stable but show variability, posing risks for future financial flexibility.

Income Statement

The income statement shows a mixed performance. Gross Profit Margin is strong, indicating effective cost management. However, there is a decline in Net Income and fluctuating Revenue Growth over the years, suggesting potential challenges in sustaining profitability. EBIT and EBITDA margins are stable, reflecting consistent operational efficiency.

Balance Sheet

The balance sheet highlights a strong equity base with a reasonable Debt-to-Equity ratio, indicating manageable leverage. Return on Equity has decreased, pointing to potential inefficiencies in utilizing shareholder funds. The Equity Ratio is solid, showcasing a good proportion of equity financing relative to total assets.

Cash Flow

Cash flow analysis reveals adequate Operating Cash Flow to Net Income and Free Cash Flow to Net Income ratios, suggesting efficient cash conversion. However, Free Cash Flow Growth has been inconsistent, indicating variability in cash generation from core operations.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
16.61M	16.53M	15.93M	18.38M	18.77M	17.39M
	Gross Profit
16.65M	17.62M	15.93M	18.38M	18.77M	17.39M
	EBIT
5.23M	5.73M	4.17M	5.40M	6.57M	5.30M
	EBITDA
910.00K	3.62M	4.54M	5.80M	6.96M	5.65M
	Net Income Common Stockholders
2.24M	3.05M	3.91M	4.68M	5.71M	4.74M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
165.44M	5.45M	176.60M	228.27M	161.66M	155.40M
	Total Assets
419.63M	390.62M	408.37M	471.98M	425.43M	419.57M
	Total Debt
32.02M	25.32M	6.71M	458.00K	301.00K	17.68M
	Net Debt
26.32M	19.87M	380.00K	-32.87M	-28.04M	13.12M
	Total Liabilities
32.02M	354.48M	6.71M	407.44M	354.97M	17.68M
	Stockholders Equity
59.53M	36.14M	32.46M	64.98M	69.43M	62.92M
Cash Flow		Free Cash Flow
0.00	2.60M	3.22M	3.37M	4.57M	6.12M
	Operating Cash Flow
0.00	3.35M	3.53M	3.54M	5.15M	6.35M
	Investing Cash Flow
0.00	20.32M	1.08M	-44.13M	22.76M	5.97M
	Financing Cash Flow
0.00	-24.56M	-31.61M	45.58M	-4.12M	-13.46M

Commercial National Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.78
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNAF, the sentiment is Positive. The current price of 6.78 is above the 20-day moving average (MA) of 6.77, above the 50-day MA of 6.77, and below the 200-day MA of 7.50, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 50.97 is Neutral, neither overbought nor oversold. The STOCH value of 53.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNAF.

Commercial National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CNAF	68 Neutral	$19.40M	11.12	5.13%	10.91%	-1.12%	-36.06%
Sector *	64 Neutral	$12.67B	9.74	7.58%	17015.08%	12.21%	-6.96%
ASRV	55 Neutral	$43.28M	11.97	3.36%	4.58%	7.80%	―
CARV		$7.56M	―	-26.57%	―	―	―
PNBK	58 Neutral	$411.80M	―	-84.06%	―	-6.52%	-866.16%
GLBZ	52 Neutral	$15.20M	393.98	0.21%	7.63%	13.39%	-107.74%
KFFB	48 Neutral	$20.90M	―	-2.21%	3.03%	22.56%	-78.84%