What is Commercial National Financial (PA) Financial Strength?
Commercial National Financial (PA) has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Commercial National Financial Corp (PA) displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
GuruFocus does not calculate Commercial National Financial (PA)'s interest coverage with the available data.
Commercial National Financial (PA)'s debt to revenue ratio for the quarter that ended in Mar. 2024 was 1.38.
Altman Z-Score does not apply to banks and insurance companies.
Commercial National Financial (PA) Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Commercial National Financial (PA) (OTCPK:CNAF) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
Commercial National Financial (PA) has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Commercial National Financial (PA) Financial Strength Related Terms
Thank you for viewing the detailed overview of Commercial National Financial (PA)'s Financial Strength 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
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.
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