Commercial National Financial (PA) (Commercial National Financial (PA)) Cash-to-Debt : 0.21 (As of Mar. 2024)

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What is Commercial National Financial (PA) Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Commercial National Financial (PA)'s cash to debt ratio for the quarter that ended in Mar. 2024 was 0.21.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Commercial National Financial (PA) couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

The historical rank and industry rank for Commercial National Financial (PA)'s Cash-to-Debt or its related term are showing as below:

CNAF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.39 Max: No Debt
Current: 0.21

During the past 13 years, Commercial National Financial (PA)'s highest Cash to Debt Ratio was No Debt. The lowest was 0.11. And the median was 0.39.

CNAF's Cash-to-Debt is ranked worse than
86.94% of 1424 companies
in the Banks industry
Industry Median: 1.29 vs CNAF: 0.21

Commercial National Financial (PA) Cash-to-Debt Historical Data

The historical data trend for Commercial National Financial (PA)'s Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Commercial National Financial (PA) Cash-to-Debt Chart

Commercial National Financial (PA) Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

Get a 7-Day Free Trial

0.26

No Debt

0.94

0.22

Commercial National Financial (PA) Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															0.27	0.27	0.26	0.22	0.21

Competitive Comparison of Commercial National Financial (PA)'s Cash-to-Debt

For the Banks - Regional subindustry, Commercial National Financial (PA)'s Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Commercial National Financial (PA)'s Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Commercial National Financial (PA)'s Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Commercial National Financial (PA)'s Cash-to-Debt falls into.

Commercial National Financial (PA) Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Commercial National Financial (PA)'s Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	5.446	/	(25.317	+	0)
	=	0.22

Commercial National Financial (PA)'s Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	4.596	/	(21.633	+	0)
	=	0.21

Commercial National Financial (PA) (OTCPK:CNAF) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Commercial National Financial (PA) Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Commercial National Financial (PA)'s Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Commercial National Financial (PA) (Commercial National Financial (PA)) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Commercial National Financial Corp (PA) (OTCPK:CNAF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

900 Ligonier Street, PO Box 429, Latrobe, PA, USA, 15650

Website

https://www.cnbthebankonline.com

Commercial National Financial Corp (PA) is a bank holding company. The bank's primary business includes taking deposits and granting loans to customers in the area of Westmoreland County, Pennsylvania. The bank offers a full range of banking services including extending credit, providing deposit services, marketing non-deposit investments and offering financial counseling. It provides traditional banking and related financial services to individual, business and government customers which include time, savings and demand deposits, the making of commercial, consumer and mortgage loans, and other financial services.

Executives

John T Babilya	director	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
George V Welty	director, officer: Non-Executive Chairman	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Steven H Landers	director	PO BOX 429, 900 LIGONIER STREET, LATROBE PA 15650
Elaine Rose Bohatch	officer: VP/Chief Investmt Ofc/Trust	900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Roy Dale Landers	director	900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Bruce A Robinson	director	900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
C Edward Wible	director	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Debra L Spatola	director	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Kelly R Moreman	officer: Exec VP/Mgr Risk Mgmnt	PO BOX 429, LATROBE PA 15650
Cheryl M. Letterio	officer: Sr Vice President/Cmplnce Ofcr	900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650
Frank E Jobe	director	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Dorothy S Hunter	director, 10 percent owner	P O BOX 429, LATROBE PA 15650
Gregg E Hunter	director, 10 percent owner, officer: Vice Chairman/President & CEO	ENERGIZER HOLDINGS INC, 533 MARYVILLE UNIVERSITY DR, ST LOUIS MO 63141
Michael A Schmidt	officer: Executive Vice President/COO	PO BOX 429, LATROBE PA 15650
Hunter Stock Trust	director	900 LIGONIER STREET, PO BOX 429, LATROBE PA 15650

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