What is CNAF P/E ratio?

Commercial National Financial Corporation's P/E ratio is 12.82. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is CNAF return on equity (ROE)?

Commercial National Financial Corporation's return on equity (ROE) is 5.26%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Commercial National Financial Corporation's market cap?

Commercial National Financial Corporation has a market capitalization of $24.05M.

OTC · Banks - Regional

Commercial National Financial Corporation (CNAF) Stock

Q: What is Commercial National Financial Corporation (CNAF) stock price today?

Commercial National Financial Corporation (CNAF) is currently trading at $8.46, up 0.48% today.

$8.46 +0.48% OTC: CNAF Financial Services

Valuation

Metric	Value
Price	$8.46
Market Cap	$24.05M
P/E Ratio	12.82
P/B Ratio	0.63
P/S Ratio	1.41
EPS (TTM)	$0.66
52-Week High	$8.70
52-Week Low	$6.72
Dividend Yield	6.15%

Financials & Margins

Metric	Value
ROE	5.26%
ROA	0.55%
ROCE	0.56%
Gross Margin	11.76%
Operating Margin	11.76%
Net Margin	11.76%
Debt/Equity	0.47
Current Ratio	0.33

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$19.0M	$16.0M	$17.0M	$17.0M	$17.0M
Operating Profit	$5.0M	$4.0M	$3.0M	$4.0M	$2.0M
Net Profit	$5.0M	$4.0M	$3.0M	$2.0M	$2.0M
EPS	$1.64	$1.37	$1.07	$0.64	$0.66
Op Margin	29.0%	25.5%	19.1%	25.3%	10.7%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$472.0M	$408.0M	$391.0M	$375.0M	$363.0M
Total Liabilities	$407.0M	$376.0M	$354.0M	$342.0M	$326.0M
Cash	$33.0M	$6.0M	$5.0M	$5.0M	$4.0M
Borrowings	$1.0M	$7.0M	$25.0M	$39.0M	$18.0M

Latest News

Commercial National Reports 13.49% First Half Earnings Increase ACCESS Newswire · Jul 22, 2026 Commercial National Declares $.13 per Share Second Quarter Dividend ACCESS Newswire · May 19, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$4.0M	$4.0M	$3.0M	$2.0M	$2.0M
Investing Cash Flow	$-44.0M	$1.0M	$20.0M	$12.0M	$17.0M
Financing Cash Flow	$51.0M	$-35.0M	$-40.0M	$-26.0M	$4.0M
Net Cash Flow	$5.0M	$-27.0M	$-1.0M	$0	$0
Free Cash Flow	$3.0M	$3.0M	$3.0M	$2.0M	$1.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.82
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	28.56%
Return 3Y	-10.65%
Return 5Y	-39.67%

Ownership

Insiders Held0.00%

Institutions Held0.00%

Institutions Float Held0.00%

Institutional Holder	Shares	Report Date
Waldron Private Wealth LLC	101,603	2024-06-30

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
APLOApollo Bancorp, Inc.	$54.00	+0.00%	12.50	$27.14M	4.30%
CBHCCBC Holding Company	$28.40	+0.00%	9.44	$20.79M	2.82%
EFSGEnterprise Financial Services Group, Inc.	$32.00	+0.00%	9.52	$37.25M	1.78%
FRFCFirst Robinson Financial Corporation	$67.00	+0.00%	7.94	$28.61M	2.15%
LKSBLakeside Bancshares, Inc.	$19.25	+0.00%	0.00	$40.39M	0.00%

About Commercial National Financial Corporation

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.

Commercial National Financial Corporation (CNAF) stock trades at $8.46 with a market capitalization of $24.05M. The stock is valued at a price-to-earnings (P/E) ratio of 12.82, price-to-book of 0.63, price-to-sales of 1.41. Over the past 52 weeks the stock has ranged between $6.72 and $8.70, and currently trades 2.8% below its 52-week high. It pays a dividend yielding 6.15%.

On profitability, Commercial National Financial Corporation generates a return on equity (ROE) of 5.26%, return on capital employed of 0.56%, an operating margin of 11.76%, a net profit margin of 11.76%.

Official website: www.cnbthebankonline.com