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Commercial National Financial(OTC) CNAF

Market Cap$25.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1994)+545%
5 Year-36%
1 Year+35%
1 Month+9%
$9.08
+0.09%
+0.01Today
Commercial National Financial last closing stock price
MetricPriceDate
Last closeUSD 9.072026-08-17
Commercial National Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.24%USD 9.052026-08-10
1 month+9.03%USD 8.322026-07-16
3 month+15.27%USD 7.872026-05-19
Year to date+22.38%USD 7.412025-12-31
1 year+35.33%USD 6.702025-08-15
3 year+4.52%USD 8.682023-08-18
5 year-35.75%USD 14.122021-08-18
Since inception+545.2%USD 1.411994-03-09

Commercial National Financial Financials at a Glance

Market Cap

$25.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$16.91M

Net Income (TTM)

$2.00M

EPS (TTM)

$0.70

P/E Ratio

12.94

Dividend

$0.48

Beta (Volatility)

0.13 (Low)

Price

$9.08

Volume

1,373

Open

$9.06

Previous Close

$9.07

Daily Range

$9.06 - $9.08

52-Week Range

$7.12 - $9.08

Estimated Earnings Date

Oct 22, 2026

CNAF News

No articles available.

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About Commercial National Financial

Commercial National Financial Corporation operates as a bank holding company, overseeing Commercial Bank & Trust of PA. The company provides a comprehensive suite of banking and financial services throughout Pennsylvania.

Products and Services
  • Diverse deposit options including checking, savings, and money market accounts
  • Wide array of loan products such as personal, auto, and mortgages
  • Modern banking tools including online and mobile banking services
Growth Outlook
  • Revenue of $4.19 million in Q2 2026, showing consistent performance
  • Net income of $498,000 in Q2 2026, reflecting strong profitability
  • Dividend yield of 5.49% indicates attractive returns for investors
Financial Highlights
  • Trailing twelve months (TTM) P/E ratio of 12.32 suggests reasonable valuation
  • Net profit margin of 11.81% demonstrates effective cost management
  • Return on equity (ROE) of 5.40% indicates efficient use of shareholder funds
Commercial National Financial Corporation has established a solid foundation in the regional banking sector. With a focus on customer service and a diverse range of financial products, the company is well-positioned for continued growth. The recent financial performance highlights a commitment to profitability and shareholder value, making it an intriguing option for potential investors.
AI Generated • Jul 31, 2026

Industry

Banks

Sector

Financials

Employees

76

CEO

Gregg E. Hunter

Website

www.cnbthebankonline.com

Headquarters

Latrobe, PA 15650-1834, US

CNAF Financials

Key Financial Metrics (TTM)

Gross Margin

93.98%

Operating Margin

11.46%

Net Income Margin

11.81%

Return on Equity

5.40%

Return on Capital

3.30%

Return on Assets

0.56%

Earnings Yield

7.73%

Dividend Yield

5.29%

Payout Ratio

0.00%

Stock Overview

Market Cap

$25.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.86M

Volume

1.37K

Avg. Volume

1.77K

Financials (TTM)

Gross Profit

$15.89M

Operating Income

$1.94M

EBITDA

$1.94M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$4.18M

Total Debt

$10.71M

Commercial National Financial Performance Analysis

Commercial National Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 17,102,000-11.6%
20232023-12-31USD 17,617,0003.0%
20242024-12-31USD 17,369,000-1.4%
20252025-12-31USD 17,069,000-1.7%
Commercial National Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.6%
Q42025-12-31-0.3%
Q12026-03-31-0.5%
Q22026-06-30-0.7%
Commercial National Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.37-16.6%
20232023-12-31USD 1.07-22.0%
20242024-12-31USD 0.64-39.6%
20252025-12-31USD 0.662.1%
Commercial National Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-3118.8%
Q12026-03-31-5.3%
Q22026-06-30N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$4.19M

-2.0%

Gross Profit

$4.00M

+2.9%

Gross Margin

95.52%

N/A

Market Cap

$25.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$341.49K

N/A

Employees

76

N/A

Net Income

$498.00K

+10.4%

EBITDA

$455.00K

+4.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$4.18M

-97.3%

Total Debt

$10.71M

-67.4%

Accounts Receivable

$2.29M

+2.3%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$10.71M

-67.4%

Return on Assets

0.56%

N/A

Return on Invested Capital

0.56%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CNAF

What is the current price of Commercial National Financial?

Commercial National Financial is trading at $9.08 per share.

What is the 52-week range for Commercial National Financial?

Over the past 52 weeks, Commercial National Financial has traded between $7.12 and $9.08.

How much debt does Commercial National Financial have?

As of the most recent reporting period, Commercial National Financial reported total debt of $10.71M.

How much cash does Commercial National Financial have on hand?

Commercial National Financial does not have cash on hand data available.

What is Commercial National Financial’s dividend yield?

Commercial National Financial currently has a dividend yield of 5.29%.

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