Commercial National Financial (CNAF) Stock Price, News & Analysis

Company Overview

Commercial National Financial, Inc. is a bank holding company headquartered in Springfield, Missouri, operating through its primary subsidiary, Commercial National Bank. The company offers a comprehensive suite of financial products and services designed to meet the needs of individual consumers, small businesses, agricultural enterprises and commercial clients. Its headquarters in southwestern Missouri positions it to serve a diverse customer base across the Ozarks region.

The company’s core deposit products include checking and savings accounts, money market deposit accounts and certificates of deposit. On the lending side, Commercial National Financial provides commercial real estate financing, construction and development loans, agricultural lending, consumer and consumer real estate loans, and Small Business Administration (SBA) loan programs. Additionally, the bank offers treasury management solutions, merchant services and cash management tools to support the operational needs of its business clients.

Complementing its traditional banking operations, Commercial National Financial delivers trust and wealth management services, including investment advisory, trust administration and retirement planning. Customers benefit from the bank’s digital offerings, such as online and mobile banking platforms, which enable account management, remote check deposit and electronic payments. The company maintains a network of full-service branches and ATMs throughout Springfield and surrounding communities, reinforcing its commitment to local accessibility and customer convenience.

Founded in 1909, Commercial National Financial has grown through a combination of organic expansion and community-centered initiatives. The company is guided by a seasoned leadership team and board of directors with deep roots in regional banking and financial services. Emphasizing personalized service, prudent risk management and community reinvestment, the company strives to maintain long-term stability while supporting economic development across its operating markets.

Key Stats

• Today's Range: $6.85 to $7.00
• 50-Day Range: $6.21 to $7.00
• 52-Week Range: $6.21 to $10.46
• Volume: 3,326 shs
• Average Volume: 3,452 shs
• Market Capitalization: $20.02 million
• P/E Ratio: 10.94
• Dividend Yield: 6.29%
• Price Target: N/A
• Consensus Rating: N/A

Commercial National Financial Stock Analysis - MarketRank™

Commercial National Financial scored higher than 40% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Commercial National Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Commercial National Financial is 10.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Commercial National Financial is 10.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.04% of the float of Commercial National Financial has been sold short.

Short Interest Ratio / Days to Cover

Commercial National Financial has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Commercial National Financial has recently increased by 28.57%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Commercial National Financial is a leading dividend payer. It pays a dividend yield of 6.39%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Commercial National Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Commercial National Financial is 68.75%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.04% of the float of Commercial National Financial has been sold short.

Short Interest Ratio / Days to Cover

Commercial National Financial has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Commercial National Financial has recently increased by 28.57%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.36

News Sentiment

Commercial National Financial has a news sentiment score of 0.36. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Commercial National Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Commercial National Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

22.36% of the stock of Commercial National Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 3.55% of the stock of Commercial National Financial is held by institutions.

CNAF Stock Analysis - Frequently Asked Questions

How have CNAF shares performed this year?

Commercial National Financial's stock was trading at $6.76 on January 1st, 2025. Since then, CNAF shares have increased by 3.6% and is now trading at $7.00.

How were Commercial National Financial's earnings last quarter?

Commercial National Financial Corp. (OTCMKTS:CNAF) released its quarterly earnings results on Tuesday, July, 15th. The bank reported $0.16 earnings per share (EPS) for the quarter. The bank earned $3.89 million during the quarter.

How do I buy shares of Commercial National Financial?

Shares of CNAF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Commercial National Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Commercial National Financial investors own include Aflac (AFL), Chemung Financial (CHMG), Cinemark (CNK), Cheniere Energy (LNG), SLR Investment (SLRC), AT&T (T) and

Company Calendar

• Ex-Dividend for 6/6 Dividend: 5/30/2025
• Record date for 6/6 Dividend: 6/02/2025
• Dividend Payable: 6/06/2025
• Last Earnings: 7/15/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:CNAF
• CIK: 866054
• Web: www.cnbthebankonline.com
• Phone: 724-539-3501
• Fax: 724-539-0816
• Employees: 93
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.64
• Trailing P/E Ratio: 10.33
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $1.84 million
• Net Margins: 10.67%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $17.37 million
• Price / Sales: 1.09
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 2,860,000
• Free Float: 2,221,000
• Market Cap: $18.90 million
• Optionable: Not Optionable
• Beta: 0.44