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Commercial National Financial Corp (CNAF)

Commercial National Financial Corp is a common stock listing on OTC Markets. The company operates as a bank holding company through Commercial Bank & Trust of PA, serving customers in Pennsylvania. Its banking and financial services include deposit products such as checking, savings, and money market accounts, along with business time deposits and certificates of deposit. The company also provides a range of lending products, including home equity, personal, automobile, residential mortgage, construction, and commercial loans. Beyond core banking, Commercial National Financial offers ATM access, debit cards, online and mobile banking, bill payment, money management, and payroll-related services. It also provides asset management and trust services, including estate, investment, cash management, charitable giving, IRA administration, and employer retirement plan services. The company was founded in 1934 and is headquartered in Latrobe, Pennsylvania.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CNAF
$8.05
-4.4% Downside
Fair
—
—
—
Fair
—
—
0.52
6.2%
July 22, 2026
12.1x
0.7x
1.5x
23.895 M
—
44.5%
—
-1.7
—
70.6%
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Valuation • Fair Value

Commercial National Financial Corp (OTC-CNAF) Fair Value by Valuation Model

Compare the primary fair value estimate for Commercial National Financial Corp (OTC-CNAF) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$8.05

Estimated downside of 4.4% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$7.62

Classic Ben Graham valuation formula reference.

DDM Fair Value

$6.97

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$8.41

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Commercial National Financial Corp (OTC-CNAF) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Commercial National Financial Corp (OTC-CNAF)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

15.778 M

Current operating scale indicator.

Revenue Forecast

15.626 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Commercial National Financial Corp (OTC-CNAF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Commercial National Financial Corp (OTC-CNAF)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

FCF / Net Income

70.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Commercial National Financial Corp (OTC-CNAF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Commercial National Financial Corp (OTC-CNAF)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 22, 2026

Days to Earnings

1

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

6.2%

Income yield reference.

Upcoming Dividend

0.52

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Commercial National Financial Corp (OTC-CNAF), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Commercial National Financial Corp (OTC-CNAF) Stock Forecast & Technical Outlook

Review Commercial National Financial Corp (OTC-CNAF) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Commercial National Financial Corp (OTC-CNAF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Commercial National Financial Corp (OTC-CNAF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Commercial National Financial Corp (OTC-CNAF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Commercial National Financial Corp (OTC-CNAF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for Commercial National Financial Corp (OTC-CNAF) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Commercial National Financial Corp (OTC-CNAF)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Commercial National Financial Corp (OTC-CNAF) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Commercial National Financial Corp (OTC-CNAF) Stock FAQ

Quick answers about Commercial National Financial Corp (OTC-CNAF) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$8.05
Estimated downside 4.4%
Valuation Rating
Overvalued
Estimated downside of 4.4%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for Commercial National Financial Corp (OTC-CNAF) is $8.05. This implies an estimated downside of 4.4% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 4.4% versus the current market price.

An analyst price target for Commercial National Financial Corp (OTC-CNAF) is not currently available in the latest data file.

The current financial health read for Commercial National Financial Corp (OTC-CNAF) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Commercial National Financial Corp (OTC-CNAF) is July 22, 2026.

Based on the current data, dividend yield is 6.2%, upcoming dividend amount is 0.52.

The current P/E ratio listed for Commercial National Financial Corp (OTC-CNAF) is 12.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Commercial National Financial Corp is 23.895 M.

The ticker symbol for Commercial National Financial Corp is OTC-CNAF, and the stock is listed on OTC Markets.

Commercial National Financial Corp (OTC-CNAF) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Commercial National Financial Corp is 44.5%, which helps investors evaluate the company’s financing structure and leverage profile.

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