Commercial National Financial Past Earnings Performance
Past criteria checks 2/6
Commercial National Financial has been growing earnings at an average annual rate of 6.5%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 5.7% per year. Commercial National Financial's return on equity is 10.7%, and it has net margins of 26.4%.
Key information
6.5%
Earnings growth rate
6.4%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 5.7% |
| Return on equity | 10.7% |
| Net Margin | 26.4% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How Commercial National Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 21 | 5 | 11 | 0 |
| 30 Jun 24 | 21 | 6 | 11 | 0 |
| 31 Mar 24 | 20 | 6 | 11 | 0 |
| 31 Dec 23 | 21 | 6 | 11 | 0 |
| 30 Sep 23 | 21 | 7 | 11 | 0 |
| 30 Jun 23 | 21 | 7 | 11 | 0 |
| 31 Mar 23 | 21 | 7 | 14 | 0 |
| 31 Dec 22 | 23 | 8 | 11 | 0 |
| 30 Sep 22 | 22 | 8 | 10 | 0 |
| 30 Jun 22 | 22 | 8 | 10 | 0 |
| 31 Mar 22 | 22 | 8 | 10 | 0 |
| 31 Dec 21 | 20 | 6 | 10 | 0 |
| 30 Sep 21 | 19 | 6 | 9 | 0 |
| 30 Jun 21 | 18 | 6 | 10 | 0 |
| 31 Mar 21 | 17 | 5 | 9 | 0 |
| 31 Dec 20 | 16 | 4 | 9 | 0 |
| 30 Sep 20 | 16 | 4 | 9 | 0 |
| 30 Jun 20 | 17 | 5 | 9 | 0 |
| 31 Mar 20 | 17 | 5 | 9 | 0 |
| 31 Dec 19 | 17 | 5 | 9 | 0 |
| 30 Sep 19 | 17 | 5 | 9 | 0 |
| 30 Jun 19 | 16 | 4 | 9 | 0 |
| 31 Mar 19 | 16 | 5 | 9 | 0 |
| 31 Dec 18 | 16 | 5 | 9 | 0 |
| 30 Sep 18 | 17 | 5 | 10 | 0 |
| 30 Jun 18 | 17 | 5 | 10 | 0 |
| 31 Mar 18 | 17 | 5 | 10 | 0 |
| 31 Dec 17 | 17 | 3 | 10 | 0 |
| 30 Sep 17 | 16 | 3 | 7 | 0 |
| 30 Jun 17 | 15 | 2 | 7 | 0 |
| 31 Mar 17 | 14 | 2 | 7 | 0 |
| 31 Dec 16 | 13 | 3 | 7 | 0 |
| 30 Sep 16 | 13 | 3 | 7 | 0 |
| 30 Jun 16 | 12 | 3 | 7 | 0 |
| 31 Mar 16 | 12 | 3 | 7 | 0 |
| 31 Dec 15 | 12 | 3 | 7 | 0 |
| 30 Sep 15 | 12 | 3 | 7 | 0 |
| 30 Jun 15 | 12 | 3 | 7 | 0 |
| 31 Mar 15 | 12 | 3 | 7 | 0 |
| 31 Dec 14 | 12 | 2 | 7 | 0 |
Quality Earnings: CEFC has high quality earnings.
Growing Profit Margin: CEFC's current net profit margins (26.4%) are lower than last year (31.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CEFC's earnings have grown by 6.5% per year over the past 5 years.
Accelerating Growth: CEFC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CEFC had negative earnings growth (-17.9%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).
Return on Equity
High ROE: CEFC's Return on Equity (10.7%) is considered low.