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Commercial National Financial Corporation
Buy, Hold or Sell?

Let's analyse Commercial National Financial Corporation together

PenkeI guess you are interested in Commercial National Financial Corporation. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Commercial National Financial Corporation. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Commercial National Financial Corporation (30 sec.)










What can you expect buying and holding a share of Commercial National Financial Corporation? (30 sec.)

How much money do you get?

How much money do you get?
$2.24
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$11.80
Expected worth in 1 year
$19.37
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
$9.80
Return On Investment
110.1%

For what price can you sell your share?

Current Price per Share
$8.90
Expected price per share
$8.35 - $9.1579
How sure are you?
50%

1. Valuation of Commercial National Financial Corporation (5 min.)




Live pricePrice per Share (EOD)

$8.90

Intrinsic Value Per Share

$13.48 - $19.64

Total Value Per Share

$25.29 - $31.44

2. Growth of Commercial National Financial Corporation (5 min.)




Is Commercial National Financial Corporation growing?

Current yearPrevious yearGrowGrow %
How rich?$46.8m$39.3m$7.4m16.0%

How much money is Commercial National Financial Corporation making?

Current yearPrevious yearGrowGrow %
Making money$6.1m$8m-$1.9m-30.9%
Net Profit Margin22.5%31.5%--

How much money comes from the company's main activities?

3. Financial Health of Commercial National Financial Corporation (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Commercial National Financial Corporation? (5 min.)

Welcome investor! Commercial National Financial Corporation's management wants to use your money to grow the business. In return you get a share of Commercial National Financial Corporation.

What can you expect buying and holding a share of Commercial National Financial Corporation?

First you should know what it really means to hold a share of Commercial National Financial Corporation. And how you can make/lose money.

Speculation

The Price per Share of Commercial National Financial Corporation is $8.9. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Commercial National Financial Corporation.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Commercial National Financial Corporation, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $11.80. Based on the TTM, the Book Value Change Per Share is $1.89 per quarter. Based on the YOY, the Book Value Change Per Share is $-1.41 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.56 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Commercial National Financial Corporation.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.5617.5%1.5617.5%2.0422.9%1.5117.0%1.1412.8%
Usd Book Value Change Per Share1.8921.2%1.8921.2%-1.41-15.8%0.667.4%0.576.4%
Usd Dividend Per Share0.566.3%0.566.3%0.566.3%0.556.2%0.505.6%
Usd Total Gains Per Share2.4527.5%2.4527.5%-0.85-9.5%1.2113.6%1.0712.0%
Usd Price Per Share9.26-9.26-10.50-10.69-10.60-
Price to Earnings Ratio5.95-5.95-5.15-7.33-10.82-
Price-to-Total Gains Ratio3.78-3.78--12.39-2.88-2.13-
Price to Book Ratio0.78-0.78-1.06-1.01-1.30-
Price-to-Total Gains Ratio3.78-3.78--12.39-2.88-2.13-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.9
Number of shares112
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.560.55
Usd Book Value Change Per Share1.890.66
Usd Total Gains Per Share2.451.21
Gains per Quarter (112 shares)274.46135.51
Gains per Year (112 shares)1,097.85542.04
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
12518471088247295532
2502169421864955891074
3753254132847428841616
410043388438298911792158
5125442355480123614742700
6150550826578148417683242
7175659297676173120633784
8200767768774197823584326
9225876239872222626534868
102509847010970247329475410

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%14.06.00.070.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.03.085.0%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%14.06.00.070.0%

Fundamentals of Commercial National Financial Corporation

About Commercial National Financial Corporation

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services. It provides its services through offices located in Barry, Gratiot, Ingham, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.

Fundamental data was last updated by Penke on 2024-05-15 17:48:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Commercial National Financial Corporation.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Commercial National Financial Corporation earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • A Net Profit Margin of 22.5% means that $0.23 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Commercial National Financial Corporation:

  • The MRQ is 22.5%. The company is making a huge profit. +2
  • The TTM is 22.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ22.5%TTM22.5%0.0%
TTM22.5%YOY31.5%-9.0%
TTM22.5%5Y25.2%-2.7%
5Y25.2%10Y23.1%+2.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ22.5%38.5%-16.0%
TTM22.5%29.6%-7.1%
YOY31.5%26.3%+5.2%
5Y25.2%23.6%+1.6%
10Y23.1%20.4%+2.7%
1.1.2. Return on Assets

Shows how efficient Commercial National Financial Corporation is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • 1.1% Return on Assets means that Commercial National Financial Corporation generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Commercial National Financial Corporation:

  • The MRQ is 1.1%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.1%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.1%TTM1.1%0.0%
TTM1.1%YOY1.3%-0.3%
TTM1.1%5Y1.0%+0.0%
5Y1.0%10Y0.9%+0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1%0.3%+0.8%
TTM1.1%0.2%+0.9%
YOY1.3%0.2%+1.1%
5Y1.0%0.2%+0.8%
10Y0.9%0.2%+0.7%
1.1.3. Return on Equity

Shows how efficient Commercial National Financial Corporation is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • 13.2% Return on Equity means Commercial National Financial Corporation generated $0.13 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Commercial National Financial Corporation:

  • The MRQ is 13.2%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 13.2%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ13.2%TTM13.2%0.0%
TTM13.2%YOY20.6%-7.4%
TTM13.2%5Y14.3%-1.1%
5Y14.3%10Y12.7%+1.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.2%3.1%+10.1%
TTM13.2%2.5%+10.7%
YOY20.6%2.7%+17.9%
5Y14.3%2.5%+11.8%
10Y12.7%2.8%+9.9%

1.2. Operating Efficiency of Commercial National Financial Corporation.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Commercial National Financial Corporation is operating .

  • Measures how much profit Commercial National Financial Corporation makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Commercial National Financial Corporation:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY34.7%-34.7%
TTM-5Y22.6%-22.6%
5Y22.6%10Y11.3%+11.3%
1.2.2. Operating Ratio

Measures how efficient Commercial National Financial Corporation is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.10 means that the operating costs are $0.10 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Commercial National Financial Corporation:

  • The MRQ is 0.096. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.096. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.096TTM0.0960.000
TTM0.096YOY0.100-0.003
TTM0.0965Y0.106-0.009
5Y0.10610Y0.411-0.305

1.3. Liquidity of Commercial National Financial Corporation.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Commercial National Financial Corporation is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.10 means the company has $0.10 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Commercial National Financial Corporation:

  • The MRQ is 0.099. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.099. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.099TTM0.0990.000
TTM0.099YOY0.206-0.107
TTM0.0995Y0.191-0.093
5Y0.19110Y0.174+0.018
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0990.124-0.025
YOY0.2060.167+0.039
5Y0.1910.207-0.016
10Y0.1740.131+0.043
1.3.2. Quick Ratio

Measures if Commercial National Financial Corporation is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • A Quick Ratio of 0.08 means the company can pay off $0.08 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Commercial National Financial Corporation:

  • The MRQ is 0.084. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.084. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.084TTM0.0840.000
TTM0.084YOY0.175-0.091
TTM0.0845Y0.150-0.066
5Y0.15010Y0.129+0.021

1.4. Solvency of Commercial National Financial Corporation.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Commercial National Financial Corporation assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Commercial National Financial Corporation to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Commercial National Financial Corporation assets are financed with 91.9% credit (debt) and the remaining percentage (100% - 91.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Commercial National Financial Corporation:

  • The MRQ is 0.919. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.919. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.919TTM0.9190.000
TTM0.919YOY0.936-0.017
TTM0.9195Y0.926-0.007
5Y0.92610Y0.932-0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9190.915+0.004
TTM0.9190.916+0.003
YOY0.9360.918+0.018
5Y0.9260.919+0.007
10Y0.9320.926+0.006
1.4.2. Debt to Equity Ratio

Measures if Commercial National Financial Corporation is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,137.3% means that company has $11.37 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Commercial National Financial Corporation:

  • The MRQ is 11.373. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.373. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.373TTM11.3730.000
TTM11.373YOY14.612-3.239
TTM11.3735Y12.573-1.200
5Y12.57310Y13.795-1.222
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.37310.799+0.574
TTM11.37310.909+0.464
YOY14.61211.266+3.346
5Y12.57311.324+1.249
10Y13.79512.886+0.909

2. Market Valuation of Commercial National Financial Corporation

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Commercial National Financial Corporation generates.

  • Above 15 is considered overpriced but always compare Commercial National Financial Corporation to the Banks - Regional industry mean.
  • A PE ratio of 5.95 means the investor is paying $5.95 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Commercial National Financial Corporation:

  • The EOD is 5.717. Based on the earnings, the company is cheap. +2
  • The MRQ is 5.949. Based on the earnings, the company is cheap. +2
  • The TTM is 5.949. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.717MRQ5.949-0.231
MRQ5.949TTM5.9490.000
TTM5.949YOY5.152+0.797
TTM5.9495Y7.330-1.381
5Y7.33010Y10.824-3.494
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.7173.675+2.042
MRQ5.9493.418+2.531
TTM5.9494.741+1.208
YOY5.1526.901-1.749
5Y7.3309.496-2.166
10Y10.8249.770+1.054
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Commercial National Financial Corporation:

  • The EOD is 6.224. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.476. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 6.476. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.224MRQ6.476-0.252
MRQ6.476TTM6.4760.000
TTM6.476YOY5.209+1.267
TTM6.4765Y7.914-1.438
5Y7.91410Y12.019-4.105
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.224-2.538+8.762
MRQ6.476-2.360+8.836
TTM6.476-1.072+7.548
YOY5.2096.461-1.252
5Y7.9140.248+7.666
10Y12.0190.032+11.987
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Commercial National Financial Corporation is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.78 means the investor is paying $0.78 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Commercial National Financial Corporation:

  • The EOD is 0.754. Based on the equity, the company is cheap. +2
  • The MRQ is 0.784. Based on the equity, the company is cheap. +2
  • The TTM is 0.784. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.754MRQ0.784-0.030
MRQ0.784TTM0.7840.000
TTM0.784YOY1.059-0.275
TTM0.7845Y1.010-0.226
5Y1.01010Y1.295-0.285
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7540.452+0.302
MRQ0.7840.420+0.364
TTM0.7840.439+0.345
YOY1.0590.594+0.465
5Y1.0100.763+0.247
10Y1.2950.991+0.304
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Commercial National Financial Corporation compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.8911.8910%-1.407+174%0.658+187%0.571+231%
Book Value Per Share--11.80511.8050%9.914+19%10.648+11%8.693+36%
Current Ratio--0.0990.0990%0.206-52%0.191-48%0.174-43%
Debt To Asset Ratio--0.9190.9190%0.936-2%0.926-1%0.932-1%
Debt To Equity Ratio--11.37311.3730%14.612-22%12.573-10%13.795-18%
Dividend Per Share--0.5600.5600%0.5600%0.552+1%0.499+12%
Eps--1.5571.5570%2.038-24%1.513+3%1.136+37%
Free Cash Flow Per Share--1.4301.4300%2.016-29%1.422+1%1.075+33%
Free Cash Flow To Equity Per Share---9.744-9.7440%3.658-366%2.888-437%2.622-472%
Gross Profit Margin---0.680-0.6800%-0.262-62%-0.634-7%0.183-471%
Intrinsic Value_10Y_max--19.640--------
Intrinsic Value_10Y_min--13.483--------
Intrinsic Value_1Y_max--1.619--------
Intrinsic Value_1Y_min--1.418--------
Intrinsic Value_3Y_max--5.131--------
Intrinsic Value_3Y_min--4.228--------
Intrinsic Value_5Y_max--8.964--------
Intrinsic Value_5Y_min--6.981--------
Market Cap--36718705.78036718705.7800%41635681.500-12%42397023.816-13%42874810.405-14%
Net Profit Margin--0.2250.2250%0.315-29%0.252-11%0.231-2%
Operating Margin----0%0.347-100%0.226-100%0.113-100%
Operating Ratio--0.0960.0960%0.100-3%0.106-9%0.411-77%
Pb Ratio0.754-4%0.7840.7840%1.059-26%1.010-22%1.295-39%
Pe Ratio5.717-4%5.9495.9490%5.152+15%7.330-19%10.824-45%
Price Per Share8.900-4%9.2609.2600%10.500-12%10.692-13%10.603-13%
Price To Free Cash Flow Ratio6.224-4%6.4766.4760%5.209+24%7.914-18%12.019-46%
Price To Total Gains Ratio3.632-4%3.7793.7790%-12.392+428%2.877+31%2.135+77%
Quick Ratio--0.0840.0840%0.175-52%0.150-44%0.129-35%
Return On Assets--0.0110.0110%0.013-19%0.010+2%0.009+22%
Return On Equity--0.1320.1320%0.206-36%0.143-8%0.127+4%
Total Gains Per Share--2.4512.4510%-0.847+135%1.210+103%1.071+129%
Usd Book Value--46809895.00046809895.0000%39313275.000+19%42221452.000+11%35004370.000+34%
Usd Book Value Change Per Share--1.8911.8910%-1.407+174%0.658+187%0.571+231%
Usd Book Value Per Share--11.80511.8050%9.914+19%10.648+11%8.693+36%
Usd Dividend Per Share--0.5600.5600%0.5600%0.552+1%0.499+12%
Usd Eps--1.5571.5570%2.038-24%1.513+3%1.136+37%
Usd Free Cash Flow--5670293.0005670293.0000%7993509.000-29%5637522.200+1%4318582.700+31%
Usd Free Cash Flow Per Share--1.4301.4300%2.016-29%1.422+1%1.075+33%
Usd Free Cash Flow To Equity Per Share---9.744-9.7440%3.658-366%2.888-437%2.622-472%
Usd Market Cap--36718705.78036718705.7800%41635681.500-12%42397023.816-13%42874810.405-14%
Usd Price Per Share8.900-4%9.2609.2600%10.500-12%10.692-13%10.603-13%
Usd Profit--6172641.0006172641.0000%8081338.000-24%6000616.400+3%4563451.000+35%
Usd Revenue--27391217.00027391217.0000%25630123.000+7%23708707.600+16%19352156.800+42%
Usd Total Gains Per Share--2.4512.4510%-0.847+135%1.210+103%1.071+129%
 EOD+4 -2MRQTTM+0 -0YOY+14 -205Y+25 -1110Y+26 -10

3.2. Fundamental Score

Let's check the fundamental score of Commercial National Financial Corporation based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-155.717
Price to Book Ratio (EOD)Between0-10.754
Net Profit Margin (MRQ)Greater than00.225
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.084
Current Ratio (MRQ)Greater than10.099
Debt to Asset Ratio (MRQ)Less than10.919
Debt to Equity Ratio (MRQ)Less than111.373
Return on Equity (MRQ)Greater than0.150.132
Return on Assets (MRQ)Greater than0.050.011
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Commercial National Financial Corporation based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5055.784
Ma 20Greater thanMa 508.627
Ma 50Greater thanMa 1008.753
Ma 100Greater thanMa 2009.084
OpenGreater thanClose8.900
Total2/5 (40.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets579,161
Total Liabilities532,351
Total Stockholder Equity46,810
 As reported
Total Liabilities 532,351
Total Stockholder Equity+ 46,810
Total Assets = 579,161

Assets

Total Assets579,161
Total Current Assets38,843
Long-term Assets540,318
Total Current Assets
Cash And Cash Equivalents 32,943
Total Current Assets  (as reported)38,843
Total Current Assets  (calculated)32,943
+/- 5,900
Long-term Assets
Property Plant Equipment 9,252
Goodwill 3,100
Intangible Assets 228
Long-term Assets Other 18,296
Long-term Assets  (as reported)540,318
Long-term Assets  (calculated)30,877
+/- 509,441

Liabilities & Shareholders' Equity

Total Current Liabilities392,896
Long-term Liabilities139,455
Total Stockholder Equity46,810
Total Current Liabilities
Short-term Debt 10,041
Other Current Liabilities 382,855
Total Current Liabilities  (as reported)392,896
Total Current Liabilities  (calculated)392,896
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)139,455
Long-term Liabilities  (calculated)0
+/- 139,455
Total Stockholder Equity
Common Stock20,518
Retained Earnings 34,264
Accumulated Other Comprehensive Income -7,972
Total Stockholder Equity (as reported)46,810
Total Stockholder Equity (calculated)46,810
+/-0
Other
Cash and Short Term Investments 32,943
Common Stock Shares Outstanding 3,965
Liabilities and Stockholders Equity 579,161
Net Debt -4,872
Net Working Capital -354,053
Short Long Term Debt Total 28,071



Balance Sheet

All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312004-12-312003-12-312002-12-312001-12-312000-12-311999-12-311998-12-311997-12-311996-12-311995-12-31
> Total Assets 
151,075
166,190
172,405
181,096
191,022
215,886
218,398
238,251
239,788
255,279
374,489
385,169
400,367
526,374
527,368
504,713
547,780
610,802
613,754
579,161
579,161613,754610,802547,780504,713527,368526,374400,367385,169374,489255,279239,788238,251218,398215,886191,022181,096172,405166,190151,075
   > Total Current Assets 
8,575
13,151
16,547
14,059
10,701
9,809
17,962
21,985
11,603
9,808
34,799
45,141
47,370
75,508
87,564
54,710
68,396
51,294
71,990
38,843
38,84371,99051,29468,39654,71087,56475,50847,37045,14134,7999,80811,60321,98517,9629,80910,70114,05916,54713,1518,575
       Cash And Cash Equivalents 
8,575
13,151
15,177
12,555
8,669
7,462
14,347
19,270
8,075
7,738
5,824
14,851
8,440
20,348
31,716
21,808
42,773
28,714
61,072
32,943
32,94361,07228,71442,77321,80831,71620,3488,44014,8515,8247,7388,07519,27014,3477,4628,66912,55515,17713,1518,575
       Short-term Investments 
0
0
0
0
0
0
5,000
6,850
645
0
25,653
29,104
38,061
53,781
54,498
31,956
0
0
0
0
000031,95654,49853,78138,06129,10425,65306456,8505,000000000
       Net Receivables 
0
0
1,370
1,504
2,032
2,347
3,615
2,715
3,528
2,069
0
0
0
0
0
0
0
0
0
0
00000000002,0693,5282,7153,6152,3472,0321,5041,37000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
785
725
684
1,069
977
54,710
68,396
51,294
71,990
38,843
38,84371,99051,29468,39654,7109771,0696847257850000000000
   > Long-term Assets 
32,758
29,381
32,009
32,119
29,255
30,397
30,568
29,722
30,010
29,084
0
0
0
0
0
450,002
479,383
559,509
541,765
540,318
540,318541,765559,509479,383450,0020000029,08430,01029,72230,56830,39729,25532,11932,00929,38132,758
       Property Plant Equipment 
3,328
4,047
3,189
2,790
2,695
2,465
2,600
3,687
3,933
3,808
4,376
4,315
4,784
6,972
8,295
8,343
8,149
8,480
8,795
9,252
9,2528,7958,4808,1498,3438,2956,9724,7844,3154,3763,8083,9333,6872,6002,4652,6952,7903,1894,0473,328
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
3,100
3,100
3,100
3,100
3,100
3,100
3,100
3,1003,1003,1003,1003,1003,1003,1000000000000000
       Long Term Investments 
0
0
0
0
0
0
194,786
209,347
220,207
0
49,229
38,888
28,117
39,077
41,036
38,214
0
0
0
0
000038,21441,03639,07728,11738,88849,2290220,207209,347194,786000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
65
685
608
532
456
380
304
228
22830438045653260868565000000000000
       Long-term Assets Other 
-32,758
-29,381
-32,009
-32,119
-29,255
-30,397
-30,568
-29,722
-30,010
-29,084
0
0
0
0
0
17,401
17,829
19,108
22,420
18,296
18,29622,42019,10817,82917,40100000-29,084-30,010-29,722-30,568-30,397-29,255-32,119-32,009-29,381-32,758
> Total Liabilities 
0
10,942
15,753
13,053
18,691
195,776
196,334
214,547
215,505
230,165
351,873
361,387
375,771
493,542
492,256
465,959
506,443
565,909
574,441
532,351
532,351574,441565,909506,443465,959492,256493,542375,771361,387351,873230,165215,505214,547196,334195,77618,69113,05315,75310,9420
   > Total Current Liabilities 
0
0
0
0
0
1,770
137
492
412
381
313,394
314,527
330,243
424,649
430,379
204,790
304,839
319,525
349,114
392,896
392,896349,114319,525304,839204,790430,379424,649330,243314,527313,3943814124921371,77000000
       Short-term Debt 
0
0
0
0
0
1,770
137
492
412
381
42,766
0
0
0
0
7,397
5,121
5,441
5,041
10,041
10,0415,0415,4415,1217,397000042,7663814124921371,77000000
       Short Long Term Debt 
0
0
0
0
0
0
32,467
47,565
44,283
0
42,766
0
0
0
11,000
0
0
0
0
0
0000011,00000042,766044,28347,56532,467000000
       Accounts payable 
0
0
0
0
0
0
1,288
922
1,658
0
305,198
307,125
317,286
416,622
421,030
390,064
450,901
515,059
0
0
00515,059450,901390,064421,030416,622317,286307,125305,19801,6589221,288000000
       Other Current Liabilities 
0
0
0
0
0
-1,770
-137
-492
-412
-381
0
0
0
0
0
197,393
299,718
314,084
344,073
382,855
382,855344,073314,084299,718197,39300000-381-412-492-137-1,77000000
   > Long-term Liabilities 
0
10,942
15,753
13,053
18,691
26,500
26,093
32,807
32,104
38,895
0
0
0
0
0
261,169
201,604
246,383
225,327
139,455
139,455225,327246,383201,604261,1690000038,89532,10432,80726,09326,50018,69113,05315,75310,9420
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
3,909
1,815
2,003
1,389
396
230
182
142
0
0
001421822303961,3892,0031,8153,9090000000000
> Total Stockholder Equity
14,643
15,496
16,883
17,660
18,965
20,110
22,064
23,704
24,283
25,114
22,616
23,782
24,595
32,831
35,111
38,754
41,337
44,894
39,313
46,810
46,81039,31344,89441,33738,75435,11132,83124,59523,78222,61625,11424,28323,70422,06420,11018,96517,66016,88315,49614,643
   Common Stock
815
873
954
17,525
19,947
21,617
22,105
23,255
24,117
24,678
13,573
13,573
13,573
20,518
20,518
20,518
20,518
20,518
20,518
20,518
20,51820,51820,51820,51820,51820,51820,51813,57313,57313,57324,67824,11723,25522,10521,61719,94717,525954873815
   Retained Earnings 
2,203
1,499
648
-8
-830
-1,714
-416
4
-112
405
9,043
10,177
11,083
12,465
14,904
17,861
20,005
24,150
30,011
34,264
34,26430,01124,15020,00517,86114,90412,46511,08310,1779,043405-1124-416-1,714-830-86481,4992,203
   Capital Surplus 00000000000000000000
   Treasury Stock00000000000000000000
   Other Stockholders Equity 
11,625
13,123
15,278
0
0
0
376
445
278
0
-140
33
-60
-151
-311
375
814
226
0
0
00226814375-311-151-6033-140027844537600015,27813,12311,625



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

All numbers in thousands.