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.


Jump directly to the stock analysis sections supported by the latest available data.

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 Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score Payout Ratio
OTC-CNAF
$8.66
-3.2% Downside
Fair
Not available
Not available
Fair
6.0%
October 22, 2026
12.3x
0.7x
1.6x
25.404 M
30.3%
-1.7
67.0%
Valuation • Fair Value

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

Review the available estimates for Commercial National Financial Corp (OTC-CNAF), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$8.66

Estimated downside of 3.2% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$7.81

Classic Ben Graham valuation formula reference.

DDM Fair Value

$7.58

Dividend discount model valuation reference.

Comps Fair Value

$9.02

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Commercial National Financial Corp (OTC-CNAF) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

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

Review the profitability and growth indicators currently supported by the latest data.

Revenue

15.889 M

Current operating scale indicator.

Revenue Forecast

15.626 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

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 the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

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 upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

34

Dividend Yield

6.0%

Current income yield reference.

Payout Ratio

67.0%

Dividend payout reference.

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.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

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
Neutral

The 15-minute technical read for Commercial National Financial Corp (OTC-CNAF) is currently Neutral. 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
Neutral

The 1-hour technical read for Commercial National Financial Corp (OTC-CNAF) is currently Neutral. 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
Neutral

The daily technical read for Commercial National Financial Corp (OTC-CNAF) is currently Neutral. 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
Neutral

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

FAQ Fast Investor Answers

Commercial National Financial Corp (OTC-CNAF) Stock FAQ

Data-supported answers about Commercial National Financial Corp (OTC-CNAF), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$8.66
Estimated downside 3.2%
Valuation Rating
Overvalued
Estimated downside of 3.2%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Commercial National Financial Corp (OTC-CNAF) is $8.66. This implies an estimated downside of 3.2% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 3.2% versus the current market price.

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 October 22, 2026.

Based on the current data, dividend yield is 6.0%.

The current P/E ratio listed for Commercial National Financial Corp (OTC-CNAF) is 12.3x. 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 25.404 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 30.3%, which helps investors evaluate the company’s financing structure and leverage profile.