Commercial National Financial Corporation (CNAF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 19 | 18 | 16 | 15 | 15 | 16 | 16 | - |
| Operating profit | $m | 2 | 2 | ||||||
| Net profit | $m | 6 | 5 | 4 | 3 | 2 | 2 | 2 | - |
| EPS reported | $ | 0.66 | 0.71 | ||||||
| Operating cashflow per share | $ | 0.63 | 0.00 | ||||||
| Capex per share | $ | 0.15 | 0.00 | ||||||
| FCF per share | $ | 0.48 | 0.00 | ||||||
| Free cash flow | $m | 1 | 0 | ||||||
| Net debt | $m | 14 | 7 | ||||||
| Book value equity | $m | 38 | 38 | ||||||
| Book value per share | $ | 13.20 | 13.26 | ||||||
| Number of shares | m | 2.86 | 2.84 | ||||||
| DPS (TTM paid) | $ | 0.44 | 0.50 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.59 | 12.32 | ||||||
| P/B LTM | x | 0.58 | 0.58 | ||||||
| P/S LTM | x | 1.41 | 1.38 | ||||||
| P/FCF LTM | x | 15.89 | 0.00 | ||||||
| EV/EBITDA LTM | x | 19.48 | 18.34 | ||||||
| EV/Sales LTM | x | 2.08 | 1.92 | ||||||
| Earnings Yield LTM | % | +8.63% | +8.12% | ||||||
| FCF Yield | % | +6.29% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +4.97% | +5.40% | ||||||
| ROIC | % | +0.50% | +0.54% | ||||||
| Operating margin | % | +10.69% | +11.46% | ||||||
| Gross margin | % | +91.55% | +93.98% | ||||||
| FCF/Sales | % | +8.06% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +3.13% | +10.94% | ||||||
| Sales Growth YoY | % | +1.57% | +3.15% | ||||||
| Net Income Growth YoY | % | +2.01% | +8.47% | ||||||
| FCF Growth | % | -12.75% | -100.00% | ||||||
| Operating Profit Growth | % | -58.53% | -55.96% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.75% | +5.46% | ||||||
| Dividend Growth | % | -50.56% | -43.82% | ||||||
| Payout Ratio | % | +66.67% | 0.00% | ||||||
| FCF/Debt | x | 0.08 | 0.00 | ||||||
| Net Debt/EBITDA | x | 7.49 | 3.37 | ||||||
| EBIT/Net interest | x | 1.21 | 1.76 | ||||||
| Net debt/market cap | % | +80.18% | +41.24% | ||||||
| Net debt/Equity | x | 0.36 | 0.17 | ||||||
| Gross debt/equity | x | 0.46 | 0.28 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Commercial National Financial Corporation (CNAF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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