Commercial National Financial Corporation
CNAF
Rank in Stocks
#21764
Commercial National Financial Corporation operates as the holding company for... Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural and commercial businesses, and light industries in Michigan. It accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. The company offers personal loan products, such as automobile, recreational vehicle, boat, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including business lines of credit, SBA loans, equipment lines of credit, real estate loans, USDA loan programs, and capital access loan programs. It also provides treasury management services comprising merchant, automated clearing houses and remote deposit services; debit, credit, and ATM cards; and online services consisting of online bill pay, and mobile, online, and telephone banking. The company provides its services through offices located in Barry, Gratiot, Ingham, Montcalm, and Ottawa counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.
Share Price
$8.28
Last synced: 2026-11-09
Market Cap
$62.97M
Change (1 day)
1.39%
Change (1 year)
8.28%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Commercial National Financial Corporation (CNAF)
Category
Financial Services
Operating Margin for Commercial National Financial Corporation (CNAF)
Operating Margin as of November 2026 TTM: 13.07%
According to Commercial National Financial Corporation's latest financial reports, its current operating margin (TTM) is 13.07%. At the end of 2025 the company had an operating margin of 10.69%.
Operating Margin history for Commercial National Financial Corporation from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 13.07% | 22.26% |
| 2025 | 10.69% | -57.81% |
| 2024 | 25.34% | 32.81% |
| 2023 | 19.08% | -25.26% |
| 2022 | 25.53% | -12.06% |
| 2021 | 29.03% | -14.62% |
| 2020 | 34.00% | 21.73% |
| 2019 | 27.93% | 6.64% |
| 2018 | 26.19% | -2.71% |
| 2017 | 26.92% | -1.79% |
| 2016 | 27.41% | -31.49% |
| 2015 | 40.01% | 29.52% |
| 2014 | 30.89% | 6.41% |
| 2013 | 29.03% | -31.19% |
| 2012 | 42.19% | 10.59% |
| 2011 | 38.15% | 18.44% |
| 2010 | 32.21% | 2.84% |
| 2009 | 31.32% | 26.60% |
| 2008 | 24.74% | 32.58% |
| 2007 | 18.66% | -2.56% |
| 2006 | 19.15% | -20.21% |
| 2005 | 24.00% | 1,233.33% |
| 2004 | 1.80% | -91.03% |
| 2003 | 20.07% | -27.36% |
| 2002 | 27.63% | 12.78% |
| 2001 | 24.50% | 14.81% |
| 2000 | 21.34% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -95.85% |
CN
|
|
| 57.52% | -95.60% |
IT
|
|
| 21.82% | -98.33% |
IN
|
|
| 26.74% | -97.95% |
IN
|
|
| 20.55% | -98.43% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Commercial National Financial Corporation's operating margin
What is Commercial National Financial Corporation's operating margin?
Commercial National Financial Corporation's operating margin is 13.07%, as of Nov 2026.
What was Commercial National Financial Corporation's operating margin in 2025?
In 2025, Commercial National Financial Corporation's operating margin was 10.69%, compared with 25.34% in 2024.
How has Commercial National Financial Corporation's operating margin changed since 2020?
From 2020 to 2025, Commercial National Financial Corporation's operating margin was highest in 2020 (34.00%) and lowest in 2025 (10.69%).
How does Commercial National Financial Corporation's operating margin compare with similar companies?
Commercial National Financial Corporation's operating margin (13.07%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.