1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Commercial National Financial Corporation

Commercial National Financial Corporation

CNAF
Commercial National Financial CorporationUS flagOther OTC
8.11
USD
+0.06
- -
23.20MMarket Cap
Commercial National Financial Corporation
CNAF
(Other OTC)

Recent

price

8.11

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.43
6.6
6.97
5.7
5.98
7.09
5.98
6.25
5.86
6.08
6.56
6.42
5.57
5.38
5.08
5.18
5.08
Revenue per Share
1.92
2.35
2.54
1.88
2.17
1.99
1.41
2.4
1.52
1.66
2
1.64
1.37
1.07
0.64
0.66
0.64
Basic EPS, GAAP
1.84
2.11
1.07
1.56
1.98
1.21
1.1
1.24
1.57
2.14
1.6
1.18
1.13
0.91
0.55
0.48
- -
Free Cash Flow per Basic Share
0.88
0.96
2.04
1.04
1.04
2.04
1.04
1.3
1.04
2.54
1.04
2.04
1.04
1.04
0.89
0.44
- -
Dividend per Share
19.02
20.4
20.9
21.75
22.88
22.83
23.2
24.09
24.57
23.68
24.64
24.24
24.56
24.59
24.34
24.58
24.43
Book Value per Share
16.08
18.37
18.44
16.13
20.38
19.27
19.21
20.98
20.81
21.99
24.27
22.71
11.35
12.63
11.46
13.2
11.23
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
18
19
20
16
17
20
17
18
17
17
19
18
16
15
15
15
15
Sales/Revenue/Turnover
37.02
- -
- -
30.46
32.05
40.86
27.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
6
7
7
5
6
6
4
7
4
5
6
5
4
3
2
2
2
Net Income, GAAP
19.16
15.79
18.52
- -
- -
31.37
15.6
- -
7.55
10.62
13.03
13.26
6.24
5.28
- -
- -
0.93
Effective Tax Rate (%)
29.92
35.58
36.43
33.05
36.33
28.04
23.62
38.4
25.93
27.24
30.44
25.5
24.52
19.79
12.67
12.69
12.69
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
10
10
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
46
53
53
46
58
55
55
60
60
63
69
65
32
36
33
38
32
Total Equity
6.25
- -
- -
- -
- -
7.81
6.11
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.4
11.91
12.29
8.84
9.73
8.7
6.14
10.15
6.24
6.86
8.26
6.7
5.6
4.33
2.63
2.68
2.64
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
39
30
33
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
19
20
19

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
21
158
158
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
39
30
33
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.51%
-7.85%
15.18%
Free Cash Flow
-6.09%
-20.41%
-12.75%
Net Income, GAAP
-6.03%
-18.84%
2.01%
Sales/Revenue/Turnover
-2.83%
-4.51%
1.85%
Total Cash Common Dividend
- -
- -
-50.59%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4
4
3
15
2025
4
4
3
- -
15
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.12
0.11
- -
0.64
2025
0.15
0.16
- -
- -
0.66
2026
0.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.89
2025
- -
- -
- -
- -
0.44
2026
- -
- -
- -
- -
- -
Similar Companies
Gulf Bank K.S.C. (GBK.KW)
Procrea Holdings, Inc. (7384.T)
Boyle Bancorp, Inc. (BYLB)
The Fukushima Bank, Ltd. (8562.T)
Customers Bancorp, Inc. (CUBI-PE)
Banco do Brasil S.A. (BDORY)
Business
Commercial National Financial Corporation functions as a holding company for Commercial Bank & Trust of PA, delivering a diverse array of financial products and services throughout Pennsylvania. It provides various deposit options, including checking, money market, and savings accounts, alongside business-time deposits and certificates of deposit. The institution also extends a wide range of credit solutions, such as residential and construction mortgages, home-equity, personal, and automobile loans, in addition to specialized commercial financing for businesses and agricultural operations. Customers benefit from modern conveniences like automatic teller machine access, debit cards, online and mobile banking platforms, and electronic bill payment capabilities. Furthermore, the company offers comprehensive asset management and trust services, encompassing trust and estate planning, investment oversight, and retirement products, with an asset management and trust division located in Greensburg, Pennsylvania. Established in 1934, the company operates a network of seven community banking offices across locations such as Hempfield Township, Latrobe, Ligonier, Unity Township, and West Newton, with its headquarters situated in Latrobe, Pennsylvania. Recent activities include authorizing a stock repurchase program and reporting increases in quarterly earnings, alongside consistent quarterly cash dividends for its shareholders. The company maintains strong capital adequacy, exceeding industry benchmarks.

Company News

APIChat

  • accessnewswire.com

    Commercial National Declares $.13 per Share Second Quarter Dividend

  • accessnewswire.com

    Commercial National Reports 16.71% Earnings Increase

  • accessnewswire.com

    Commercial National Reports Year-End 2025 Results

  • defenseworld.net

    Critical Review: Glen Burnie Bancorp (NASDAQ:GLBZ) vs. Commercial National Financial (OTCMKTS:CNAF)

  • accessnewswire.com

    Commercial National Reports 37% Third Quarter Earnings Increase

  • accessnewswire.com

    Commercial National Financial Corporation Authorizes Stock Repurchase Program

  • accessnewswire.com

    Commercial National Declares $.11 Per Share Third Quarter Dividend

  • accessnewswire.com

    Commercial National Reports 28% Second Quarter Earnings Rise

  • accessnewswire.com

    Commercial National Declares $.11 Per Share Second Quarter Dividend

  • accessnewswire.com

    Commercial National Reports March 31, 2025 Results

  • accessnewswire.com

    Commercial National Reports December 31, 2024 Results

  • accesswire.com

    Commercial National Declares $.26 Per Share Third Quarter Dividend

  • accesswire.com

    Commercial National Reports June 30, 2024 Results

  • accesswire.com

    Commercial National Reports March 31, 2024 Result

  • accesswire.com

    Commercial National Declares $.26 per Share First Quarter Dividend

  • accesswire.com

    Commercial National Reports December 31, 2023 Results

  • accesswire.com

    Commercial National Declares $.26 per Share Fourth Quarter Dividend

  • accesswire.com

    CORRECTION BY SOURCE: Commercial National Reports September 30, 2023 Results

  • accesswire.com

    Commercial National Reports September 30, 2023 Results

  • accesswire.com

    Commercial National Declares $.26 Per Share Third Quarter Dividend