Commercial National Financial (CNAF) AI Stock Analysis

Commercial National Financial

(Other OTC:CNAF)

Select Model

Rating:64Neutral

Price Target:$9.50▲(12.75% 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 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.

Negative Factors

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.

Commercial National Financial (CNAF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $24.12M
Dividend Yield: 5.93%
Average Volume (3M): 3,464
Price to Earnings (P/E): 10.7
Beta (1Y): 0.27
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 are stable but trending weaker: profitability and margins have compressed versus 2020–2022, revenue showed notable volatility including a sharp 2025 decline, and leverage/returns have been somewhat volatile. Positives include continued profitability and positive operating and free cash flow, supporting earnings quality despite softer momentum.

Income Statement

54Neutral

Balance Sheet

62Positive

Cash Flow

57Neutral

Financial statement breakdown
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 Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CNAF against its peers
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%
CNAF	64Neutral	$24.11M	10.67	6.41%	5.93%	-1.87%	14.96%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
GLBZ	52Neutral	$12.19M	-76.49	-0.39%	―	17.13%	-395.56%
SHFS	39Underperform	$1.55M	-0.01	-52.68%	―	-28.59%	94.79%

* Financial Sector Average

Performance Comparison

CNAF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CNAF	Commercial National Financial	8.43	1.05	14.28%
CARV	Carver Bancorp	1.85	-1.14	-38.13%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
KFFB	Kentucky First Federal	5.34	1.39	35.29%
SHFS	Shf Holdings Inc.	0.06	-29.82	-99.79%
MBBC	Marathon Bancorp, Inc.	14.44	3.50	31.95%

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.

Date of analysis: Aug 04, 2026

Commercial National Financial AI Stock Analysis