Commercial National Financial Corporation (CNAF)
Commercial National Financial Corporation functions as a bank holding company, overseeing Commercial Bank & Trust of PA, which delivers a comprehensive suite of banking and financial services throughout Pennsylvania. The institution provides diverse deposit options, including checking, savings, and money market investment accounts, alongside business-specific time deposits and certificates of deposit. For individuals and businesses seeking credit, they offer a wide array of loan products. These encompass personal and auto loans, home equity lines of credit, as well as residential, construction, and commercial mortgages. The company further enhances client convenience with modern banking tools like ATM access, debit cards, online and mobile banking, and digital bill payment services. Additional offerings include direct deposit, payroll processing, and night depository facilities. Beyond traditional banking, Commercial National Financial Corporation extends its expertise to asset management and trust services. These specialized offerings cover trust and estate planning, investment management, cash management solutions, and various retirement products. Established in 1934, its main operational base is located in Latrobe, Pennsylvania.
Sector: Banks - Regional
Industry: Banks - Regional
COMML NATL FINCL CORP PA
OTC:CNAFFinancial Services · Banks - Regional
-0.59%$8.40
Mkt Cap$24.03M
Float2.84M
O/S2.86M
Inst Own-
SI<0.1%
Div Yield5.95%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$17.07M
Net Income$1.88M
Total Assets$363.29M
Free Cash Flow$1.38M
Debt & Equity
Debt 32%
Equity 68%
Total Debt$17.54M
Total Equity$37.75M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in CNAF's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$363.29M
Liabilities$325.54M
Accounts Receivable$2.23M
Accounts Payable$0
Inventory$0
PP&E (Net)$2.77M
Goodwill$0
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 |
| Revenue | $17.07M | $17.37M | $16.86M | $16.32M | $18.6M | $19.32M | $18.97M | $17.95M | $18.62M | $17.46M | $20.71M | $17.74M | $17.11M | $21.13M | $20.9M | $21.13M | $22.46M | $22.68M | $22.17M | $20.7M | $19.14M | $22.83M | $23.78M | $26.12M | $26.95M | $28.36M | $26.3M | $25.4M | $23.4M | $21.2M |
| YoY Growth | -1.7% | 3.0% | 3.3% | -12.3% | -3.7% | 1.8% | 5.7% | -3.6% | 6.6% | -15.7% | 16.8% | 3.6% | -19.0% | 1.1% | -1.1% | -6.0% | -1.0% | 2.3% | 7.1% | 8.1% | -16.2% | -4.0% | -8.9% | -3.1% | -5.0% | 7.8% | 3.6% | 8.5% | 10.4% | - |
| Cost of Revenue | $1.44M | $1.75M | $1.09M | -$168K | $778K | $950K | $1.59M | $1.19M | $1.54M | $356K | $432K | $643K | $801K | $1.19M | $2.03M | $2.74M | $4.18M | $6.07M | $7.37M | $6.07M | $4.02M | $5.51M | $6.56M | $7.87M | $10.26M | $12.88M | $13.3M | $10.8M | $10M | $8.5M |
| Gross Profit | $15.63M | $15.62M | $15.77M | $16.49M | $17.83M | $18.37M | $17.39M | $16.76M | $17.08M | $17.11M | $20.28M | $17.09M | $16.31M | $19.95M | $18.87M | $18.38M | $18.28M | $16.62M | $14.8M | $14.62M | $15.13M | $17.32M | $17.22M | $18.25M | $16.7M | $15.48M | $13M | $14.6M | $13.4M | $12.7M |
| Gross Margin | 91.6% | 89.9% | 93.5% | 101.0% | 95.8% | 95.1% | 91.6% | 93.4% | 91.7% | 98.0% | 97.9% | 96.4% | 95.3% | 94.4% | 90.3% | 87.0% | 81.4% | 73.3% | 66.8% | 70.6% | 79.0% | 75.8% | 72.4% | 69.9% | 61.9% | 54.6% | 49.4% | 57.5% | 57.3% | 59.9% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $9.48M | $10.05M | $8.39M | $7.85M | $8.21M | $8.01M | $8.11M | $7.91M | $7.76M | $7.92M | $7.7M | $7.66M | $7.44M | $7M | $6.83M | $7.49M | $7.02M | $6.56M | $5.32M | $5.15M | $5.2M | $6.24M | $6.23M | $5.66M | $5.5M | $5.11M | $5.1M | $4.9M | $4.7M | $4.2M |
| Other | $4.33M | $3.77M | $4.16M | $4.48M | $4.21M | $3.79M | $3.98M | $4.14M | $4.3M | $4.4M | $4.3M | $3.96M | $3.9M | $4.03M | $4.07M | $4.09M | $4.23M | $4.44M | $5.34M | $5.5M | $5.34M | $10.67M | $6.22M | $5.37M | $4.6M | $4.32M | $4.2M | $3.6M | $3.3M | $3.4M |
| Total Operating Expenses | $13.8M | $13.83M | $12.55M | $12.32M | $12.43M | $11.8M | $12.09M | $12.06M | $12.07M | $12.32M | $11.99M | $11.62M | $11.35M | $11.03M | $10.9M | $11.58M | $11.25M | $11.01M | $10.66M | $10.66M | $10.53M | $16.91M | $12.45M | $11.03M | $10.09M | $9.43M | $9.3M | $8.5M | $8M | $7.6M |
| Operating Income (EBIT) | $1.82M | $4.4M | $3.22M | $4.17M | $5.4M | $6.57M | $5.3M | $4.7M | $5.01M | $4.79M | $8.29M | $5.48M | $4.97M | $8.92M | $7.97M | $6.8M | $7.04M | $5.61M | $4.14M | $3.96M | $4.59M | $412K | $4.77M | $7.22M | $6.6M | $6.05M | $3.7M | $6.1M | $5.4M | $5.1M |
| Operating Margin | 10.7% | 25.3% | 19.1% | 25.5% | 29.0% | 34.0% | 27.9% | 26.2% | 26.9% | 27.4% | 40.0% | 30.9% | 29.0% | 42.2% | 38.1% | 32.2% | 31.3% | 24.7% | 18.7% | 19.2% | 24.0% | 1.8% | 20.1% | 27.6% | 24.5% | 21.3% | 14.1% | 24.0% | 23.1% | 24.1% |
| Interest Expense | $1.5M | $2.04M | $1.46M | $393K | $228K | $550K | $1.59M | $1.19M | $738K | $356K | $432K | $643K | $801K | $1.19M | $2.03M | $2.74M | $4.18M | $6.05M | $7.28M | $5.86M | $4.38M | $5.95M | $6.53M | $7.57M | $9.72M | $11.7M | $10M | $10.4M | $9.7M | $8.4M |
| Interest Income | $14.29M | $14.63M | $15M | $15.16M | $14.51M | $16.05M | $16.82M | $15.89M | $15.44M | $13.76M | $14.46M | $15.27M | $14.69M | $15.47M | $18.43M | $18.22M | $19.5M | $19.59M | $19.04M | $17.64M | $16.18M | $18.24M | $19.8M | $22.94M | $24.4M | $26.06M | $24.3M | $23.7M | $21.9M | $19.9M |
| Other Income (Expense) | $0 | -$2.61M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $1.82M | $1.79M | $3.22M | $4.17M | $5.4M | $6.57M | $5.3M | $4.7M | $5.01M | $4.79M | $8.29M | $5.48M | $4.97M | $8.92M | $7.97M | $6.8M | $7.04M | $5.61M | $4.14M | $3.96M | $4.59M | $412K | $4.77M | $7.22M | $6.6M | $6.05M | $3.7M | $6.1M | $5.4M | $5.1M |
| Income Tax Expense | -$53K | -$49K | $170K | $260K | $716K | $856K | $563K | $355K | -$1.85M | $747K | $2.6M | -$731K | -$423K | $1.65M | $1.26M | $1.3M | $1.91M | $1.59M | $1.07M | $1.01M | $1.22M | -$209K | $837K | $1.87M | $1.7M | $1.42M | $500K | $1.5M | $1.3M | $1.3M |
| Net Income | $1.88M | $1.84M | $3.05M | $3.91M | $4.68M | $5.71M | $4.74M | $4.34M | $6.87M | $4.04M | $5.69M | $6.21M | $5.39M | $7.26M | $6.71M | $5.5M | $5.13M | $4.02M | $3.06M | $2.96M | $3.38M | $621K | $3.94M | $5.34M | $4.9M | $4.63M | $3.2M | $4.6M | $4.1M | $3.8M |
| Net Income Margin | 11.0% | 10.6% | 18.1% | 23.9% | 25.2% | 29.6% | 25.0% | 24.2% | 36.9% | 23.1% | 27.5% | 35.0% | 31.5% | 34.4% | 32.1% | 26.0% | 22.8% | 17.7% | 13.8% | 14.3% | 17.6% | 2.7% | 16.5% | 20.5% | 18.2% | 16.3% | 12.2% | 18.1% | 17.5% | 17.9% |
| Supplementary Data | ||||||||||||||||||||||||||||||
| EPS | 0.66 | 0.64 | 1.07 | 1.37 | 1.64 | 2.00 | 1.66 | 1.52 | 2.40 | 1.41 | 1.99 | 2.17 | 1.88 | 2.54 | 2.35 | 1.92 | 1.79 | 1.36 | 1.01 | 0.95 | 0.99 | 0.18 | 1.14 | 1.56 | 1.43 | 1.32 | 0.90 | 1.29 | 1.09 | 0.99 |
| Diluted EPS | 0.66 | 0.64 | 1.07 | 1.37 | 1.64 | 2.00 | 1.66 | 1.52 | 2.40 | 1.41 | 1.99 | 2.17 | 1.88 | 2.54 | 2.35 | 1.92 | 1.79 | 1.36 | 1.01 | 0.95 | 0.99 | 0.18 | 1.14 | 1.56 | 1.43 | 1.32 | 0.90 | 1.29 | 1.09 | 0.99 |
| Weighted Average OS | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.86M | 2.87M | 2.95M | 3.04M | 3.11M | 3.41M | 3.45M | 3.45M | 3.43M | 3.43M | 3.51M | 3.56M | 3.57M | 3.78M | 3.84M |
| EBITDA | $1.82M | $2.21M | $3.62M | $4.54M | $5.8M | $6.96M | $5.65M | $5.15M | $5.49M | $5.3M | $8.76M | $5.93M | $5.36M | $9.3M | $8.4M | $7.31M | $7.55M | $6.13M | $4.66M | $4.59M | $5.36M | $1.32M | $5.66M | $7.04M | $6.73M | $6.55M | $4.4M | $6.9M | $6.2M | $5.9M |
| EBITDA Margin | 10.7% | 12.7% | 21.5% | 27.8% | 31.2% | 36.0% | 29.8% | 28.7% | 29.5% | 30.4% | 42.3% | 33.4% | 31.3% | 44.0% | 40.2% | 34.6% | 33.6% | 27.0% | 21.0% | 22.2% | 28.0% | 5.8% | 23.8% | 27.0% | 25.0% | 23.1% | 16.7% | 27.2% | 26.5% | 27.8% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 |
| Assets | ||||||||||||||||||||||||||||||
| Current Assets | ||||||||||||||||||||||||||||||
| Cash and Cash Equivalents | $3.86M | $5.07M | $5.45M | $6.33M | $33.33M | $28.34M | $4.56M | $5.7M | $4.98M | $13.79M | $9.12M | $5.38M | $12.04M | $38.58M | $6.46M | $5.59M | $6.74M | $7.13M | $12.3M | $10.16M | $12.88M | $7.79M | $9.64M | $30.93M | $10.11M | $9.82M | $9.3M | $7.8M | $9.8M | $9M |
| Short-Term Investments | $2.25M | $15.46M | $161.83M | $170.27M | $194.94M | $133.32M | $150.84M | $159.74M | $145.67M | $128.2M | $184.44M | $187.07M | $185.45M | $141.32M | $189.9M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Cash and Short-Term Investments | $3.86M | $20.52M | $167.28M | $176.6M | $228.27M | $161.66M | $155.4M | $165.44M | $150.65M | $141.99M | $193.57M | $192.45M | $197.48M | $179.9M | $196.36M | $5.59M | $6.74M | $7.13M | $12.3M | $10.16M | $12.88M | $7.79M | $9.64M | $30.93M | $10.11M | $9.82M | $9.3M | $7.8M | $9.8M | $9M |
| Accounts Receivable | $2.23M | $2.2M | $2.2M | $2.2M | $1.72M | $1.75M | $1.91M | $2.13M | $1.98M | $1.46M | $1.91M | $2M | $2.19M | $1.48M | $2.54M | $1.52M | $1.46M | $1.12M | $1.17M | $1.04M | $862K | $968K | $1.57M | $1.54M | $1.8M | $1.94M | $2.1M | $2.2M | $2.4M | $2.1M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $7.27M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $6.08M | $7.27M | $169.48M | $178.81M | $229.99M | $163.41M | $157.3M | $167.58M | $152.63M | $143.45M | $195.48M | $194.45M | $199.67M | $181.38M | $198.9M | $7.11M | $8.2M | $8.25M | $13.48M | $11.2M | $13.74M | $8.75M | $11.21M | $32.47M | $11.91M | $11.76M | $11.4M | $10M | $12.2M | $11.1M |
| Long-Term Assets | ||||||||||||||||||||||||||||||
| Property, Plant & Equipment Net | $2.77M | $3.11M | $2.87M | $2.52M | $2.58M | $2.81M | $2.62M | $2.8M | $2.95M | $3.15M | $3.3M | $3.21M | $3.1M | $3.14M | $3.08M | $3.32M | $3.55M | $3.55M | $3.73M | $3.89M | $4.3M | $4.64M | $5M | $4.52M | $5.71M | $6.03M | $6.3M | $6M | $6M | $4.8M |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $322.67M | $321.2M | $191.65M | $199.89M | $214.55M | $239.09M | $237.03M | $226.4M | $208.41M | $200.35M | $181.15M | $169.61M | $162.3M | $167.24M | $177.71M | $131.16M | $138.92M | $114.77M | $109.96M | $306.72M | $271.52M | $291.66M | $168.69M | $314.67M | $119.4M | $104.7M | $124.7M | $119.1M | $300M | $260.2M |
| Deferred Tax Assets | $0 | $6.66M | $5.66M | $6.79M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $31.76M | $365.09M | $20.96M | $20.37M | $24.86M | $20.13M | $22.62M | $22.85M | $21.06M | $19.47M | $19.58M | $20.25M | $29.27M | $21.31M | $21.34M | -$134.48M | -$142.47M | -$118.32M | -$113.69M | $16.39M | $32.82M | $15.31M | -$173.69M | $28.68M | -$125.1M | -$110.73M | -$131M | -$125.1M | $1.5M | $2M |
| Total Long-Term Assets | $357.21M | $374.86M | $221.14M | $229.57M | $241.99M | $262.02M | $262.27M | $252.05M | $232.42M | $222.97M | $204.02M | $193.07M | $194.66M | $191.68M | $202.14M | $134.48M | $142.47M | $118.32M | $113.69M | $327M | $308.64M | $311.62M | $173.69M | $347.87M | $125.1M | $110.73M | $131M | $125.1M | $307.5M | $267M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $213.88M | $225.34M | $233.93M | $240.48M | $0 | $0 | $0 | $200.12M | $0 | $206.01M | $207.38M | $212.9M | $191.3M | $0 | $0 |
| Total Assets | $363.29M | $375.1M | $390.62M | $408.37M | $471.98M | $425.43M | $419.57M | $419.63M | $385.05M | $366.42M | $399.5M | $387.52M | $394.33M | $373.06M | $401.05M | $355.48M | $376M | $360.5M | $367.64M | $338.2M | $322.38M | $320.37M | $385.03M | $380.34M | $343.03M | $329.87M | $355.3M | $326.4M | $319.7M | $278.1M |
| Liabilities | ||||||||||||||||||||||||||||||
| Current Liabilities | ||||||||||||||||||||||||||||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $17.54M | $38.72M | $25.32M | $6.71M | $55K | $0 | $20.2M | $32.82M | $5.65M | $0 | $22.16M | $12.22M | $23.31M | $0 | $29.45M | $17.7M | $48.85M | $31.18M | $13.18M | $5M | $0 | $7.95M | $17.45M | $0 | $4.28M | $7.58M | $15M | $3.8M | $17.9M | $1.4M |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $206.25M | $327.27M | $367.46M | $402.76M | $351.4M | $332.35M | $325.92M | $318.25M | $309.62M | $319.91M | $313.39M | $316.56M | $316.46M | $303.82M | -$17.7M | -$48.85M | -$31.18M | -$13.18M | $293.92M | $277.01M | $265.82M | -$17.45M | $270.03M | -$4.28M | -$7.58M | -$15M | -$3.8M | $260.7M | $238.8M |
| Total Current Liabilities | $17.54M | $244.97M | $352.59M | $374.18M | $402.81M | $351.4M | $352.55M | $358.74M | $323.9M | $309.62M | $342.07M | $325.61M | $339.87M | $316.46M | $333.27M | $17.7M | $48.85M | $31.18M | $13.18M | $298.92M | $277.01M | $273.77M | $17.45M | $270.03M | $4.28M | $7.58M | $15M | $3.8M | $278.6M | $240.2M |
| Long-Term Liabilities | ||||||||||||||||||||||||||||||
| Long-Term Debt | $0 | $0 | $0 | $0 | $403K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $10M | $10M | $10M | $30M | $20M | $0 | $0 | $0 | $55M | $55M | $35M | $10M | $25M | $10M | $0 | $0 |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $242K | $0 | $0 | $1.97M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $308.01M | $342.08M | $1.89M | $1.74M | $2.21M | $4.61M | $4.1M | $1.35M | $1.12M | $1.84M | $2.31M | $3.6M | $8.32M | $3.84M | $5.23M | -$10M | -$10M | -$30M | -$20M | $2.05M | $1.71M | $1.94M | -$55M | $4.11M | -$35M | -$10M | -$25M | -$10M | $2.7M | $2.5M |
| Total Long-Term Liabilities | $308.01M | $342.08M | $1.89M | $1.74M | $4.18M | $4.61M | $4.1M | $1.35M | $1.12M | $1.84M | $2.31M | $3.6M | $8.32M | $3.84M | $15.23M | $10M | $10M | $30M | $20M | $2.05M | $1.71M | $1.94M | $55M | $59.11M | $35M | $10M | $25M | $10M | $2.7M | $2.5M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $281.76M | $273.66M | $260.26M | $296.01M | $0 | $0 | $0 | $262.67M | $0 | $257.78M | $269.15M | $275.9M | $269.4M | $0 | $0 |
| Total Liabilities | $325.54M | $342.32M | $354.48M | $375.92M | $406.99M | $356M | $356.65M | $360.09M | $325.02M | $311.46M | $344.38M | $329.21M | $348.2M | $320.3M | $348.5M | $309.46M | $332.51M | $321.43M | $329.18M | $300.97M | $278.72M | $275.71M | $335.12M | $329.13M | $297.06M | $286.73M | $315.9M | $283.2M | $281.3M | $242.7M |
| Stockholders' Equity | ||||||||||||||||||||||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $0 | $0 | $0 |
| Retained Earnings | $63.06M | $62.44M | $63.15M | $63.07M | $62.14M | $63.29M | $60.55M | $63.09M | $61.72M | $59.17M | $58.11M | $58.25M | $55.02M | $52.6M | $51.17M | $47.21M | $44.22M | $41.62M | $40.51M | $39.87M | $39.42M | $38.95M | $42.12M | $41.63M | $39.74M | $37.44M | $35.3M | $34.1M | $34.6M | $31.8M |
| Comprehensive Income & Other | -$19.87M | -$24.32M | -$21.66M | -$25.27M | $8.19M | $11.48M | $7.71M | $1.79M | $3.65M | $1.13M | $2.36M | $5.39M | -$3.54M | $5.51M | $6.72M | $4.15M | $4.61M | $2.49M | $1.44M | $566K | $617K | $2.09M | $3.75M | $4.88M | $2.16M | $1.09M | -$1.8M | $0 | $0 | $0 |
| Other Stockholders' Equity | -$32.51M | -$36.87M | -$34.21M | -$37.81M | -$4.36M | -$1.06M | -$4.83M | -$10.75M | -$8.89M | -$11.41M | -$10.19M | -$7.15M | -$16.08M | -$7.04M | -$5.83M | -$8.39M | -$7.93M | -$9.75M | -$9.24M | -$9.84M | -$2.96M | -$1.49M | $589K | $2.38M | -$966K | -$1.5M | -$3.1M | $9.1M | $3.8M | $3.6M |
| Total Equity | $37.75M | $32.77M | $36.14M | $32.46M | $64.98M | $69.43M | $62.92M | $59.53M | $60.03M | $54.96M | $55.12M | $58.3M | $46.14M | $52.77M | $52.55M | $46.01M | $43.49M | $39.07M | $38.46M | $37.23M | $43.66M | $44.66M | $49.91M | $51.2M | $45.97M | $43.14M | $39.4M | $43.2M | $38.4M | $35.4M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $363.29M | $375.1M | $390.62M | $408.37M | $471.98M | $425.43M | $419.57M | $419.63M | $385.05M | $366.42M | $399.5M | $387.52M | $394.33M | $373.06M | $401.05M | $355.48M | $376M | $360.5M | $367.64M | $338.2M | $322.38M | $320.37M | $385.03M | $380.34M | $343.03M | $329.87M | $355.3M | $326.4M | $319.7M | $278.1M |
| Supplementary Data | ||||||||||||||||||||||||||||||
| Total Debt | $17.54M | $38.98M | $25.32M | $6.71M | $861K | $0 | $20.2M | $32.82M | $5.65M | $0 | $22.16M | $12.22M | $23.31M | $0 | $39.45M | $27.7M | $58.85M | $61.17M | $33.17M | $5M | $0 | $7.95M | $72.45M | $55M | $39.27M | $17.57M | $40M | $13.8M | $17.9M | $1.4M |
| Net Debt | $13.68M | -$5.07M | $19.87M | $380K | -$32.47M | -$28.34M | $15.64M | $27.12M | $668K | -$13.79M | $13.03M | $6.85M | $11.28M | -$38.58M | $32.99M | $22.11M | $52.11M | $54.04M | $20.87M | -$5.16M | -$12.88M | $164K | $62.81M | $24.07M | $29.16M | $7.76M | $30.7M | $6M | $8.1M | -$7.6M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 |
| Operating Activities | ||||||||||||||||||||||||||||||
| Net Income | $1.88M | $1.84M | $3.05M | $3.91M | $4.68M | $5.71M | $4.74M | $4.34M | $6.87M | $4.04M | $5.69M | $6.21M | $5.39M | $7.26M | $6.71M | $5.5M | $5.13M | $4.02M | $3.06M | $2.96M | $3.38M | $621K | $3.94M | $5.34M | $4.9M | $4.63M | $3.2M | $4.6M | $4.1M | $3.8M |
| Depreciation & Amortization | $0 | $413K | $400K | $371K | $396K | $393K | $353K | $447K | $473K | $514K | $473K | $451K | $394K | $384K | $430K | $505K | $512K | $519K | $521K | $623K | $762K | $905K | $885K | -$177K | $124K | $496K | $700K | $800K | $800K | $800K |
| Deferred Income Tax | $0 | $0 | $170K | $132K | -$18K | -$26K | $670K | $1.03M | -$2.51M | -$280K | $217K | -$847K | -$733K | $26K | -$96K | $30K | $59K | -$17K | $77K | -$52K | $430K | -$439K | $285K | $82K | $73K | -$79K | -$100K | $0 | $100K | $100K |
| Stock-Based Compensation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Changes in Working Capital: | ||||||||||||||||||||||||||||||
| Accounts Receivable | $0 | $191K | $48K | -$481K | -$387K | $623K | $58K | -$932K | -$595K | $642K | $1.52M | -$345K | $305K | $395K | -$903K | $236K | -$1.6M | $62K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $462K | -$469K | $473K | -$861K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $152K | -$462K | $469K | -$473K | $861K | $227K | -$92K | $163K | $55K | $851K | -$182K | -$793K | $463K | -$184K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | -$250K | -$37K | $0 | -$462K | $469K | -$473K | $861K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$435K | -$376K | -$696K | -$65K | $1.11M | -$1.04M | -$427K | $266K | $373K | $473K | -$1M | $0 | $0 | $0 |
| Total Working Capital Change | -$250K | $154K | $200K | -$943K | $82K | $150K | $919K | -$705K | -$687K | $805K | $1.58M | $506K | $123K | -$398K | -$440K | $52K | -$2.03M | -$314K | -$696K | -$65K | $1.11M | -$1.04M | -$427K | $266K | $373K | $473K | -$1M | $0 | $0 | -$200K |
| Other Non-Cash Items | $179K | -$490K | -$467K | $60K | -$1.6M | -$1.08M | -$328K | -$326K | -$329K | -$1.56M | -$3.93M | -$92K | -$347K | -$3.84M | -$492K | -$632K | -$814K | -$755K | -$4K | $113K | -$1.05M | -$2.25M | -$1.2M | -$674K | $533K | $1.04M | $3.7M | $500K | $100K | $0 |
| Net Cash from Operating | $1.81M | $1.92M | $3.35M | $3.53M | $3.54M | $5.15M | $6.35M | $4.79M | $3.82M | $3.52M | $4.03M | $6.23M | $4.83M | $3.44M | $6.12M | $5.46M | $2.85M | $3.46M | $2.96M | $3.58M | $4.63M | -$2.2M | $3.48M | $4.84M | $6.01M | $6.57M | $6.5M | $5.9M | $5.1M | $4.5M |
| Investing Activities | ||||||||||||||||||||||||||||||
| Capital Expenditures | -$431K | -$341K | -$749K | -$308K | -$171K | -$581K | -$227K | -$301K | -$264K | -$371K | -$565K | -$564K | -$379K | -$386K | -$94K | -$182K | -$413K | -$242K | -$264K | -$105K | -$315K | -$399K | -$1.16M | -$594K | -$372K | -$516K | -$900K | -$600K | -$1.8M | -$1.4M |
| Acquisitions | $0 | $0 | $0 | $15.26M | $20.59M | $0 | -$10.58M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$100K | -$1.14M | $0 | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | $0 | $0 | $0 | -$20.11M | -$80.23M | $0 | -$607K | -$30.62M | -$49.85M | -$1.5M | -$96.14M | -$11.64M | -$92.71M | -$34.59M | -$74.12M | -$25.24M | -$59.89M | -$39.9M | -$40.73M | -$42.16M | -$17.55M | -$110.45M | -$90.56M | -$89.65M | -$64.25M | -$58.05M | -$75.2M | -$27.3M | -$46.7M | -$35.9M |
| Sales of Investments | $5.56M | $2.04M | $12.6M | $2.02M | $15.68M | $22.63M | $16.87M | $14.01M | $35.9M | $56.92M | $97.61M | $23.14M | $34.69M | $84.67M | $19.31M | $32.66M | $39.45M | $36.86M | $10.03M | $46.26M | $31.77M | $174.06M | $84.45M | $52.15M | $51.75M | $87.78M | $57.8M | $28.9M | $30.9M | $42M |
| Other Investing Activities | $12.26M | $10.91M | $8.48M | $4.21M | $3K | $713K | $512K | -$19.03M | -$8.96M | -$18.48M | -$11.81M | -$6.58M | $6.59M | $11.63M | $13.33M | $13.06M | $10.12M | $9.5M | $2.7M | -$22.87M | -$13.78M | -$1.13M | -$19.93M | $8M | -$96K | -$2.35M | -$16.6M | -$9.7M | -$23.7M | -$17.7M |
| Net Cash from Investing | $17.39M | $12.61M | $20.32M | $1.08M | -$44.13M | $22.76M | $5.97M | -$35.94M | -$23.18M | $36.57M | -$10.9M | $4.35M | -$51.81M | $61.33M | -$41.58M | $20.3M | -$10.73M | $6.22M | -$28.26M | -$18.87M | $129K | $62.09M | -$27.31M | -$31.23M | -$12.97M | $26.87M | -$34.9M | -$8.1M | -$41.3M | -$11.6M |
| Financing Activities | ||||||||||||||||||||||||||||||
| Debt Repaid | - | - | - | - | - | - | - | - | - | - | - | - | - | $10M | - | - | $20M | - | -$20M | - | - | $55M | - | -$20M | -$25M | $15M | -$15M | -$10M | - | - |
| Common Stock Issuance | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock Repurchases | -$98K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$306K | -$1.56M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends Paid | -$1.26M | -$2.55M | -$2.98M | -$2.98M | -$5.84M | -$2.98M | -$7.27M | -$2.98M | -$3.72M | -$2.98M | -$5.84M | -$2.98M | -$2.98M | -$5.84M | -$2.75M | -$2.52M | -$2.52M | -$2.48M | -$2.43M | -$2.51M | -$2.9M | -$3.42M | -$3.44M | -$3.42M | -$2.61M | -$2.38M | -$2.1M | -$1.5M | -$1.3M | -$1.1M |
| Other Financing Activities | $3.94M | -$25.71M | -$40.19M | -$35.35M | $51.41M | $19.05M | $6.43M | $7.67M | $8.63M | -$10.29M | $6.53M | -$3.17M | $104K | $12.64M | $27.32M | $6.76M | $12.64M | -$26.43M | -$401K | $16.91M | $11.19M | $6.6M | -$10.81M | $15.04M | -$11.62M | -$6.34M | $6.5M | $5.8M | $21.9M | $8M |
| Net Cash from Financing | -$18.54M | -$14.91M | -$24.56M | -$31.61M | $45.58M | -$4.12M | -$13.46M | $31.87M | $10.56M | -$35.42M | $10.62M | -$17.24M | $20.44M | -$32.65M | $36.33M | -$26.9M | $7.49M | -$12.47M | $25.07M | $12.57M | $340K | -$61.74M | $2.54M | $27.17M | $6.94M | -$32.56M | $29.4M | $200K | $37.1M | $8.3M |
| Forex Effect | -$655K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $0 | -$381K | -$889K | -$27M | $4.99M | $23.78M | -$1.14M | $719K | -$8.81M | $4.67M | $3.75M | -$6.66M | -$26.55M | $32.12M | $866K | -$1.15M | -$391K | -$2.8M | -$227K | -$2.73M | $5.09M | -$1.85M | -$21.29M | $782K | -$20K | $878K | $1M | -$2M | $900K | $1.2M |
| Supplementary Data | ||||||||||||||||||||||||||||||
| Operating Cash Flow | $1.81M | $1.92M | $3.35M | $3.53M | $3.54M | $5.15M | $6.35M | $4.79M | $3.82M | $3.52M | $4.03M | $6.23M | $4.83M | $3.44M | $6.12M | $5.46M | $2.85M | $3.46M | $2.96M | $3.58M | $4.63M | -$2.2M | $3.48M | $4.84M | $6.01M | $6.57M | $6.5M | $5.9M | $5.1M | $4.5M |
| Capital Expenditure | -$431K | -$341K | -$749K | -$308K | -$171K | -$581K | -$227K | -$301K | -$264K | -$371K | -$565K | -$564K | -$379K | -$386K | -$94K | -$182K | -$413K | -$242K | -$264K | -$105K | -$315K | -$399K | -$1.16M | -$594K | -$372K | -$516K | -$900K | -$600K | -$1.8M | -$1.4M |
| Free Cash Flow | $1.38M | $1.58M | $2.6M | $3.22M | $3.37M | $4.57M | $6.12M | $4.49M | $3.55M | $3.15M | $3.46M | $5.66M | $4.45M | $3.05M | $6.02M | $5.27M | $2.44M | $3.21M | $2.7M | $3.47M | $4.31M | -$2.6M | $2.31M | $4.25M | $5.64M | $6.05M | $5.6M | $5.3M | $3.3M | $3.1M |
| Cash at Beginning | $0 | $5.45M | $6.33M | $33.33M | $28.34M | $4.56M | $5.7M | $4.98M | $13.79M | $9.12M | $5.38M | $12.04M | $38.58M | $6.46M | $5.59M | $6.74M | $7.13M | $9.93M | $10.16M | $12.88M | $7.79M | $9.64M | $30.93M | $9.51M | $9.53M | $8.65M | $7.7M | $9.7M | $8.8M | $7.6M |
| Cash at End | $0 | $5.07M | $5.45M | $6.33M | $33.33M | $28.34M | $4.56M | $5.7M | $4.98M | $13.79M | $9.12M | $5.38M | $12.04M | $38.58M | $6.46M | $5.59M | $6.74M | $7.13M | $9.93M | $10.16M | $12.88M | $7.79M | $9.64M | $10.29M | $9.51M | $9.53M | $8.7M | $7.7M | $9.7M | $8.8M |