Head to Head Analysis: Commercial National Financial (CNAF) and Its Rivals

Profitability

This table compares Commercial National Financial and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Commercial National Financial	10.67%	N/A	N/A
Commercial National Financial Competitors	12.47%	7.54%	0.85%

Earnings & Valuation

This table compares Commercial National Financial and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Commercial National Financial	$17.37 million	$1.84 million	11.23
Commercial National Financial Competitors	$470.64 million	$53.35 million	14.15

Commercial National Financial’s competitors have higher revenue and earnings than Commercial National Financial. Commercial National Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Institutional and Insider Ownership

3.6% of Commercial National Financial shares are owned by institutional investors. Comparatively, 46.6% of shares of all “BANKS – NORTHEAST” companies are owned by institutional investors. 22.4% of Commercial National Financial shares are owned by company insiders. Comparatively, 10.1% of shares of all “BANKS – NORTHEAST” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

Commercial National Financial pays an annual dividend of $0.44 per share and has a dividend yield of 6.1%. Commercial National Financial pays out 68.8% of its earnings in the form of a dividend. As a group, “BANKS – NORTHEAST” companies pay a dividend yield of 2.6% and pay out 34.6% of their earnings in the form of a dividend.

Volatility and Risk

Commercial National Financial has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, Commercial National Financial’s competitors have a beta of 0.55, indicating that their average share price is 45% less volatile than the S&P 500.

Summary

Commercial National Financial competitors beat Commercial National Financial on 9 of the 11 factors compared.

About Commercial National Financial

Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking products and services in Pennsylvania. The company offers checking, money market investment, and savings accounts; and business-time deposits, as well as certificates of deposit. It also provides loan products, such as home-equity, personal lines of credit, personal, and automobile loans, as well as residential and construction mortgages; and commercial loans, term loans, and lines of credit. In addition, the company offers other services, including automatic teller machine access/debit card, online banking, mobile banking, and online bill payment services; and direct deposit/payroll processing and night depository services. Further, it provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. The company operates a network of nine community offices with facilities in Greensburg, Hempfield Township, Latrobe, Ligonier, North Huntingdon, Unity Township, and West Newton. Commercial National Financial Corporation was founded in 1990 and is headquartered in Latrobe, Pennsylvania.