Financial Survey: Commercial National Financial (OTCMKTS:CNAF) & CFSB Bancorp (NASDAQ:CFSB)
by Jessica Moore · The Cerbat GemCFSB Bancorp (NASDAQ:CFSB – Get Free Report) and Commercial National Financial (OTCMKTS:CNAF – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, profitability, analyst recommendations, earnings and institutional ownership.
Institutional & Insider Ownership
1.4% of CFSB Bancorp shares are held by institutional investors. Comparatively, 3.5% of Commercial National Financial shares are held by institutional investors. 4.9% of CFSB Bancorp shares are held by company insiders. Comparatively, 22.4% of Commercial National Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares CFSB Bancorp and Commercial National Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CFSB Bancorp | -1.92% | -0.35% | -0.07% |
| Commercial National Financial | 11.43% | N/A | N/A |
Volatility & Risk
CFSB Bancorp has a beta of 0.5, suggesting that its stock price is 50% less volatile than the S&P 500. Comparatively, Commercial National Financial has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent recommendations for CFSB Bancorp and Commercial National Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CFSB Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Commercial National Financial | 0 | 0 | 0 | 0 | 0.00 |
Valuation and Earnings
This table compares CFSB Bancorp and Commercial National Financial”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CFSB Bancorp | $7.60 million | 12.27 | -$260,000.00 | ($0.04) | -356.25 |
| Commercial National Financial | $17.37 million | 1.25 | $1.84 million | $0.69 | 11.01 |
Commercial National Financial has higher revenue and earnings than CFSB Bancorp. CFSB Bancorp is trading at a lower price-to-earnings ratio than Commercial National Financial, indicating that it is currently the more affordable of the two stocks.
Summary
Commercial National Financial beats CFSB Bancorp on 9 of the 12 factors compared between the two stocks.
About CFSB Bancorp
CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.
About Commercial National Financial
Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking products and services in Pennsylvania. The company offers checking, money market investment, and savings accounts; and business-time deposits, as well as certificates of deposit. It also provides loan products, such as home-equity, personal lines of credit, personal, and automobile loans, as well as residential and construction mortgages; and commercial loans, term loans, and lines of credit. In addition, the company offers other services, including automatic teller machine access/debit card, online banking, mobile banking, and online bill payment services; and direct deposit/payroll processing and night depository services. Further, it provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. The company operates a network of nine community offices with facilities in Greensburg, Hempfield Township, Latrobe, Ligonier, North Huntingdon, Unity Township, and West Newton. Commercial National Financial Corporation was founded in 1990 and is headquartered in Latrobe, Pennsylvania.