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Complete financial analysis of Commercial National Financial Corporation (CNAF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Commercial National Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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Commercial National Financial Corporation (CNAF)
About Commercial National Financial Corporation
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. It offers checking, money market investment, and savings accounts; and business-time deposits and certificates of deposit. The company 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. In addition, it 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, the company provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. It operates a network of seven community offices with facilities in Hempfield Township, Latrobe, Ligonier, Unity Township, and West Newton. The company was founded in 1934 and is headquartered in Latrobe, Pennsylvania.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16.53M | 15.93M | 18.38M | 18.77M | 17.39M | 17.04M | 17.88M | 17.11M | 20.28M | 17.10M | 16.31M | 19.95M | 19.26M | 18.38M | 18.38M | 16.63M | 14.89M | 14.83M | 14.76M | 16.88M | 17.26M | 18.54M | 17.31M | 16.72M | 16.30M | 15.00M | 13.70M | 12.80M |
| Cost of Revenue | -1.09M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 17.62M | 15.93M | 18.38M | 18.77M | 17.39M | 17.04M | 17.88M | 17.11M | 20.28M | 17.10M | 16.31M | 19.95M | 19.26M | 18.38M | 18.38M | 16.63M | 14.89M | 14.83M | 14.76M | 16.88M | 17.26M | 18.54M | 17.31M | 16.72M | 16.30M | 15.00M | 13.70M | 12.80M |
| Gross Profit Ratio | 106.59% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 8.40M | 7.85M | 8.21M | 8.01M | 8.11M | 7.91M | 7.76M | 7.92M | 7.70M | 7.66M | 7.44M | 7.00M | 7.50M | 7.24M | 7.02M | 5.75M | 5.32M | 5.15M | 5.20M | 6.24M | 6.23M | 5.66M | 5.50M | 5.11M | 5.10M | 4.90M | 4.70M | 4.20M |
| Selling & Marketing | 2.40M | 43.00K | 33.00K | 34.00K | 64.00K | 53.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 10.80M | 7.85M | 8.21M | 8.01M | 8.11M | 7.91M | 7.76M | 7.92M | 7.70M | 7.66M | 7.44M | 7.00M | 7.50M | 7.24M | 7.02M | 5.75M | 5.32M | 5.15M | 5.20M | 6.24M | 6.23M | 5.66M | 5.50M | 5.11M | 5.10M | 4.90M | 4.70M | 4.20M |
| Other Expenses | 0.00 | -19.61M | -21.19M | -20.22M | -20.20M | -20.25M | -3.45M | -3.50M | 0.00 | 0.00 | 0.00 | -18.03M | -18.79M | -18.81M | -18.37M | -16.77M | -16.08M | -16.02M | -15.36M | -22.71M | -18.71M | -16.99M | -16.21M | -15.77M | -17.70M | -13.80M | -13.00M | -11.90M |
| Operating Expenses | 10.80M | -11.76M | -12.98M | -12.20M | -12.09M | -12.34M | 3.45M | 3.50M | 12.31M | 12.02M | 11.76M | -11.03M | -11.29M | -11.58M | -11.35M | -11.02M | -10.75M | -10.87M | -10.17M | -16.47M | -12.49M | -11.33M | -10.71M | -10.67M | -12.60M | -8.90M | -8.30M | -7.70M |
| Cost & Expenses | 10.80M | -11.76M | -12.98M | -12.20M | -12.09M | -12.34M | 13.99M | 13.08M | 12.31M | 12.02M | 11.76M | -11.03M | -11.29M | -11.58M | -11.35M | -11.02M | -10.75M | -10.87M | -10.17M | -16.47M | -12.49M | -11.33M | -10.71M | -10.67M | -12.60M | -8.90M | -8.30M | -7.70M |
| Interest Income | 15.00M | 15.16M | 14.51M | 16.05M | 16.82M | 15.89M | 15.44M | 13.76M | 14.46M | 15.27M | 14.69M | 15.47M | 18.43M | 18.22M | 19.50M | 19.59M | 19.04M | 17.64M | 16.18M | 18.24M | 19.80M | 22.94M | 24.40M | 26.06M | 24.30M | 23.70M | 21.90M | 19.90M |
| Interest Expense | 1.46M | 393.00K | 228.00K | 550.00K | 1.59M | 1.19M | 738.00K | 356.00K | 432.00K | 643.00K | 801.00K | 1.19M | 2.03M | 2.74M | 4.18M | 6.05M | 7.28M | 5.86M | 4.38M | 5.95M | 6.53M | 7.57M | 9.72M | 11.70M | 10.00M | 10.40M | 9.70M | 8.40M |
| Depreciation & Amortization | 400.00K | 371.00K | 396.00K | 393.00K | 353.00K | 447.00K | 473.00K | 514.00K | 473.00K | 451.00K | 394.00K | 384.00K | 430.00K | 505.00K | 512.00K | 519.00K | 521.00K | 623.00K | 762.00K | 905.00K | 885.00K | -176.57K | 124.18K | 496.04K | 700.00K | 800.00K | 800.00K | 800.00K |
| EBITDA | 3.62M | 4.54M | 5.80M | 6.96M | 5.65M | 5.15M | 5.49M | 5.30M | 8.76M | 5.93M | 5.36M | 9.44M | 8.40M | 7.31M | 7.55M | 6.13M | 4.66M | 4.59M | 5.36M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 21.88% | 28.49% | 31.55% | 37.09% | 32.51% | 30.21% | 30.68% | 30.99% | 43.20% | 34.69% | 32.87% | 46.63% | 43.63% | 39.77% | 41.06% | 36.86% | 31.28% | 30.93% | 36.28% | 7.80% | 32.78% | 37.97% | 38.86% | 39.17% | 26.99% | 46.00% | 45.26% | 46.09% |
| Operating Income | 5.73M | 4.17M | 5.40M | 6.57M | 5.30M | 4.70M | 5.01M | 4.79M | 8.29M | 5.48M | 4.97M | 8.92M | 7.97M | 6.81M | 7.04M | 5.61M | 4.14M | 3.96M | 4.59M | 412.00K | 4.77M | 7.22M | 6.60M | 6.05M | 3.70M | 6.10M | 5.40M | 5.10M |
| Operating Income Ratio | 34.67% | 26.16% | 29.39% | 35.00% | 30.48% | 27.59% | 28.03% | 27.98% | 40.86% | 32.05% | 30.46% | 44.70% | 41.40% | 37.02% | 38.27% | 33.74% | 27.78% | 26.73% | 31.12% | 2.44% | 27.66% | 38.92% | 38.14% | 36.20% | 22.70% | 40.67% | 39.42% | 39.84% |
| Total Other Income/Expenses | -2.51M | -2.80M | -2.61M | -2.27M | -2.54M | -2.57M | -2.69M | 0.00 | 0.00 | 0.00 | 0.00 | -525.00K | -2.46M | 0.00 | 0.00 | 0.00 | -1.00 | 0.00 | 0.00 | -4.64M | 0.00 | 0.00 | 0.00 | 0.00 | 3.70M | 0.00 | 5.40M | 0.00 |
| Income Before Tax | 3.22M | 4.17M | 5.40M | 6.57M | 5.30M | 4.70M | 5.01M | 4.79M | 8.29M | 5.48M | 4.97M | 8.92M | 7.97M | 6.81M | 7.04M | 5.61M | 4.14M | 3.96M | 4.59M | 412.00K | 4.77M | 7.22M | 6.60M | 6.05M | 3.70M | 6.10M | 5.40M | 5.10M |
| Income Before Tax Ratio | 19.46% | 26.16% | 29.39% | 35.00% | 30.48% | 27.59% | 28.03% | 27.98% | 40.86% | 32.05% | 30.46% | 44.70% | 41.40% | 37.02% | 38.27% | 33.74% | 27.78% | 26.73% | 31.12% | 2.44% | 27.66% | 38.92% | 38.14% | 36.20% | 22.70% | 40.67% | 39.42% | 39.84% |
| Income Tax Expense | 170.00K | 260.00K | 716.00K | 856.00K | 563.00K | 355.00K | -1.85M | 747.00K | 2.60M | -731.00K | -423.00K | 1.65M | 1.26M | 1.30M | 1.91M | 1.59M | 1.07M | 1.01M | 1.22M | -209.00K | 837.00K | 1.87M | 1.70M | 1.42M | 500.00K | 1.50M | 1.30M | 1.30M |
| Net Income | 3.05M | 3.91M | 4.69M | 5.71M | 4.74M | 4.35M | 6.87M | 4.04M | 5.69M | 6.21M | 5.39M | 7.27M | 6.72M | 5.50M | 5.13M | 4.02M | 3.07M | 2.96M | 3.38M | 621.00K | 3.94M | 5.34M | 4.90M | 4.63M | 3.20M | 4.60M | 4.10M | 3.80M |
| Net Income Ratio | 18.44% | 24.52% | 25.50% | 30.44% | 27.24% | 25.50% | 38.40% | 23.62% | 28.04% | 36.33% | 33.05% | 36.43% | 34.86% | 29.92% | 27.90% | 24.19% | 20.58% | 19.94% | 22.88% | 3.68% | 22.81% | 28.82% | 28.33% | 27.71% | 19.63% | 30.67% | 29.93% | 29.69% |
| EPS | 1.07 | 1.37 | 1.64 | 2.00 | 1.66 | 1.52 | 2.40 | 1.41 | 1.99 | 2.17 | 1.88 | 2.54 | 2.35 | 1.92 | 1.79 | 1.36 | 1.01 | 0.95 | 0.99 | 0.18 | 1.14 | 1.56 | 1.43 | 1.32 | 0.90 | 1.29 | 1.09 | 0.99 |
| EPS Diluted | 1.07 | 1.37 | 1.64 | 2.00 | 1.66 | 1.52 | 2.40 | 1.41 | 1.99 | 2.17 | 1.88 | 2.54 | 2.35 | 1.92 | 1.79 | 1.36 | 1.01 | 0.95 | 0.99 | 0.18 | 1.14 | 1.56 | 1.43 | 1.32 | 0.90 | 1.29 | 1.09 | 0.99 |
| Weighted Avg Shares Out | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.87M | 2.95M | 3.04M | 3.11M | 3.41M | 3.45M | 3.45M | 3.43M | 3.43M | 3.51M | 3.56M | 3.57M | 3.78M | 3.84M |
| Weighted Avg Shares Out (Dil) | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.87M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.87M | 2.95M | 3.04M | 3.11M | 3.41M | 3.45M | 3.45M | 3.43M | 3.43M | 3.51M | 3.77M | 3.76M | 3.78M | 3.84M |
Commercial National Declares $.26 Per Share Third Quarter Dividend
LATROBE, PA / ACCESSWIRE / August 20, 2024 / Commercial National Financial Corporation (OTCQX:CNAF), parent company of Commercial Bank & Trust of PA, has declared a quarterly dividend of $0.26 per share payable September 6 to shareholders of record as...
Commercial National Reports June 30, 2024 Results
LATROBE, PA / ACCESSWIRE / July 31, 2024 / Commercial National Financial Corporation (OTCQX:CNAF)(Company), parent Company of Commercial Bank & Trust of PA, has reported results for the quarter ended June 30, 2024. The Company earned $353,000 (or $0.12 per...
Commercial National Reports March 31, 2024 Result
LATROBE, PA / ACCESSWIRE / April 29, 2024 / Commercial National Financial Corporation (OTCQX:CNAF)(Company), parent Company of Commercial Bank & Trust of PA, has reported results for the quarter ended March 31, 2024. The Company earned $527,000 (or $0.18 per...
Commercial National Declares $.26 per Share First Quarter Dividend
LATROBE, PA / ACCESSWIRE / February 20, 2024 / Commercial National Financial Corporation (OTCQX:CNAF), parent company of Commercial Bank & Trust of PA, has declared a quarterly dividend of $0.26 per share payable March 8 to shareholders of record as...
Commercial National Reports December 31, 2023 Results
LATROBE, PA / ACCESSWIRE / January 29, 2024 / Commercial National Financial Corporation (OTCQX:CNAF)(Company), parent Company of Commercial Bank & Trust of PA, has reported results for the quarter ended December 31, 2023. The Company earned $479,000 (or $0.17 per...
Commercial National Declares $.26 per Share Fourth Quarter Dividend
LATROBE, PA / ACCESSWIRE / November 21, 2023 / Commercial National Financial Corporation (OTCQX:CNAF), parent company of Commercial Bank & Trust of PA, has declared a quarterly dividend of $0.26 per share payable December 8 to shareholders of record as...
CORRECTION BY SOURCE: Commercial National Reports September 30, 2023 Results
This release corrects and replaces the release that was issued earlier today. The last sentence in the first paragraph, core deposits number should read: 83%.
Commercial National Reports September 30, 2023 Results
LATROBE, PA / ACCESSWIRE / October 23, 2023 / Commercial National Financial Corporation (OTCQX:CNAF)(Company), parent Company of Commercial Bank & Trust of PA, has reported results for the quarter ended September 30, 2023. The Company earned $881,000 (or $0.31 per...
Commercial National Declares $.26 Per Share Third Quarter Dividend
LATROBE, PA / ACCESSWIRE / August 15, 2023 / Commercial National Financial Corporation (OTCQX:CNAF), parent company of Commercial Bank & Trust of PA, has declared a quarterly dividend of $0.26 per share payable September 1 to shareholders of record as...
Commercial National Reports June 30, 2023 Results
LATROBE, PA / ACCESSWIRE / July 31, 2023 / Commercial National Financial Corporation (OTC Markets:CNAF)(Company), parent Company of Commercial Bank & Trust of PA, has reported results for the quarter ended June 30, 2023. The Company earned $842,000 (or $0.29...
Source: https://incomestatements.info
Category: Stock Reports