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CNAF

Commercial National Financial Corporation

USD

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Price alert · CNAF

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8.43 USD 0.00 0.00%
As of Oct 30, 2026
8.43 Day range 8.43
7.51 52-week range 9.30
YTD
+10.20%
1 year
+6.71%
Open
8.43
Prev close
8.43
Mkt cap
23.67M
Vol
1.00K
Avg vol
2.89K
EPS
0.78
P/E
10.81
More statistics
Low
8.43
High
8.43
Earnings
Apr 29, 2024

5D chart

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Financial health

Altman Z-Score

0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 11.6×
FY 2016: 15.6×FY 2017: 9.3×FY 2018: 13.8×FY 2019: 12.3×FY 2020: 8.3×FY 2021: 11.0×FY 2022: 8.6×FY 2023: 9.3×FY 2024: 10.6×FY 2025: 11.6×
FY 2016 5y median 10.6× FY 2025
P/S 1.3×
FY 2016: 3.6×FY 2017: 3.4×FY 2018: 3.4×FY 2019: 3.1×FY 2020: 2.4×FY 2021: 2.8×FY 2022: 2.1×FY 2023: 1.7×FY 2024: 1.1×FY 2025: 1.3×
FY 2016 5y median 1.7× FY 2025
P/B 0.6×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.8× FY 2025
P/FCF 15.9×
FY 2016: 20.0×FY 2017: 17.9×FY 2018: 13.4×FY 2019: 9.5×FY 2020: 10.3×FY 2021: 15.4×FY 2022: 10.5×FY 2023: 11.0×FY 2024: 12.3×FY 2025: 15.9×
FY 2016 5y median 12.3× FY 2025
EV/EBITDA 19.5×
FY 2016: 9.3×FY 2017: 11.7×FY 2018: 17.0×FY 2019: 13.1×FY 2020: 2.7×FY 2021: 3.3×FY 2022: 7.6×FY 2023: 13.4×FY 2024: 24.2×FY 2025: 19.5×
FY 2016 5y median 13.4× FY 2025
EV/Sales 2.1×
FY 2016: 2.8×FY 2017: 3.5×FY 2018: 4.9×FY 2019: 3.9×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 2.1×FY 2023: 2.9×FY 2024: 3.1×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
FCF Yield 6.3%
FY 2016: 5.0%FY 2017: 5.6%FY 2018: 7.5%FY 2019: 10.5%FY 2020: 9.7%FY 2021: 6.5%FY 2022: 9.5%FY 2023: 9.1%FY 2024: 8.2%FY 2025: 6.3%
FY 2016 5y median 8.2% FY 2025

Profitability

Gross Margin 91.6%
FY 2016: 98.0%FY 2017: 91.7%FY 2018: 93.4%FY 2019: 91.6%FY 2020: 95.1%FY 2021: 95.8%FY 2022: 101.0%FY 2023: 93.5%FY 2024: 89.9%FY 2025: 91.6%
FY 2016 5y median 93.5% FY 2025
Operating Margin 10.7%
FY 2016: 27.4%FY 2017: 26.9%FY 2018: 26.2%FY 2019: 27.9%FY 2020: 34.0%FY 2021: 29.0%FY 2022: 25.5%FY 2023: 19.1%FY 2024: 25.3%FY 2025: 10.7%
FY 2016 5y median 25.3% FY 2025
Net Margin 11.0%
FY 2016: 23.1%FY 2017: 36.9%FY 2018: 24.2%FY 2019: 25.0%FY 2020: 29.6%FY 2021: 25.2%FY 2022: 23.9%FY 2023: 18.1%FY 2024: 10.6%FY 2025: 11.0%
FY 2016 5y median 18.1% FY 2025
ROE 5.0%
FY 2016: 7.4%FY 2017: 11.4%FY 2018: 7.3%FY 2019: 7.5%FY 2020: 8.2%FY 2021: 7.2%FY 2022: 12.0%FY 2023: 8.4%FY 2024: 5.6%FY 2025: 5.0%
FY 2016 5y median 7.2% FY 2025
ROIC 0.5%
FY 2016: 7.1%FY 2017: 7.5%FY 2018: 4.6%FY 2019: 5.4%FY 2020: 7.7%FY 2021: 6.8%FY 2022: 9.6%FY 2023: 4.8%FY 2024: 2.5%FY 2025: 0.5%
FY 2016 5y median 4.8% FY 2025
ROA 0.5%
FY 2016: 1.1%FY 2017: 1.8%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 1.3%FY 2021: 1.0%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -1.7%
FY 2016: -15.7%FY 2017: 6.6%FY 2018: -3.6%FY 2019: 5.7%FY 2020: 1.8%FY 2021: -3.7%FY 2022: -12.3%FY 2023: 3.3%FY 2024: 3.0%FY 2025: -1.7%
FY 2016 FY 2025
Operating Income -58.5%
FY 2016: -42.2%FY 2017: 4.7%FY 2018: -6.2%FY 2019: 12.7%FY 2020: 24.0%FY 2021: -17.8%FY 2022: -22.8%FY 2023: -22.8%FY 2024: 36.8%FY 2025: -58.5%
FY 2016 FY 2025
EPS (diluted) 3.1%
FY 2016: -29.1%FY 2017: 70.2%FY 2018: -36.7%FY 2019: 9.2%FY 2020: 20.5%FY 2021: -18.0%FY 2022: -16.5%FY 2023: -21.9%FY 2024: -40.2%FY 2025: 3.1%
FY 2016 FY 2025
Free Cash Flow -12.7%
FY 2016: -9.0%FY 2017: 12.7%FY 2018: 26.4%FY 2019: 36.4%FY 2020: -25.4%FY 2021: -26.2%FY 2022: -4.5%FY 2023: -19.2%FY 2024: -39.4%FY 2025: -12.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.3×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.5×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.7×FY 2024: 1.2×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 7.5×
FY 2016: -2.6×FY 2017: 0.1×FY 2018: 5.3×FY 2019: 2.8×FY 2020: -4.1×FY 2021: -5.6×FY 2022: 0.1×FY 2023: 5.5×FY 2024: 15.4×FY 2025: 7.5×
FY 2016 5y median 5.5× FY 2025
Interest Coverage 1.2×
FY 2016: 13.4×FY 2017: 6.8×FY 2018: 3.9×FY 2019: 3.3×FY 2020: 11.9×FY 2021: 23.7×FY 2022: 10.6×FY 2023: 2.2×FY 2024: 2.2×FY 2025: 1.2×
FY 2016 5y median 2.2× FY 2025

Dividends

Dividend Yield 5.8%
FY 2016: 4.7%FY 2017: 5.8%FY 2018: 4.9%FY 2019: 12.5%FY 2020: 6.3%FY 2021: 11.3%FY 2022: 8.8%FY 2023: 10.4%FY 2024: 13.2%FY 2025: 5.8%
FY 2016 5y median 10.4% FY 2025
Payout Ratio 67.0%
FY 2016: 73.6%FY 2017: 54.2%FY 2018: 68.5%FY 2019: 153.4%FY 2020: 52.1%FY 2021: 124.6%FY 2022: 76.1%FY 2023: 97.6%FY 2024: 138.3%FY 2025: 67.0%
FY 2016 5y median 97.6% FY 2025

Annual · latest fiscal year ends 2025-12-31