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CEFC Stock Chart & Stats
$15.88
$0.04(0.27%)
At close: 4:00 PM EDT
$15.88
$0.04(0.27%)
Day’s Range― - ―
52-Week Range$11.30 - $16.50
Previous CloseN/A
Volume300.00
Average Volume (3M)516.00
Market Cap
$62.24M
Enterprise Value$45.89
Total Cash (Recent Filing)$37.59M
Total Debt (Recent Filing)$25.31M
Price to Earnings (P/E)8.9
Beta0.26
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.7%
Share Statistics
EPS (TTM)1.75
Shares Outstanding3,965,304
10 Day Avg. Volume1,299
30 Day Avg. Volume516
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)0.96
Price to Sales (P/S)1.92
P/FCF Ratio8.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent operating cash flow and FCF near parity with net income mean earnings are largely cash-backed. Over 2-6 months this durability supports dividend maintenance, steadier capital allocation and reduced need for short-term external funding, improving resilience across economic cycles.
Improving LeverageMaterial reduction in leverage indicates a stronger capital posture and greater financial flexibility. This structural improvement lowers insolvency risk, increases capacity for lending or investment, and provides room for regulatory headroom and strategic moves without immediate recapitalization.
Profitability And Revenue MomentumSustained mid-20% net margins and a 2025 revenue pickup reflect a business model with healthy pricing and cost control. This structural profitability supports durable earnings, reinvestment capacity and competitive positioning within regional banking over the medium term.
Bears Say
Margin VolatilityYear-to-year swings in operating margins reduce predictability of earnings and make capital planning harder. Structural margin variability can signal sensitivity to funding costs or revenue mix, limiting confidence in sustained earnings power and complicating long-term strategic decisions.
Recent Rise In Total DebtA 2025 uptick in total debt partially offsets prior deleveraging and may increase interest expense or funding risk if sustained. For a regional bank, rising debt can constrain future lending capacity, reduce optionality for acquisitions or buybacks, and elevate sensitivity to rate moves.
Uneven Free Cash Flow GrowthVolatile free cash flow trends create uncertainty around the company’s ability to consistently fund dividends, debt reduction or reinvestment. Structural variability in cash conversion raises execution risk for multi-period plans and can force trade-offs in capital allocation in tighter cycles.
CEFC FAQ
What was Commercial National Financial Corporation’s price range in the past 12 months?
Commercial National Financial Corporation lowest stock price was $11.30 and its highest was $16.50 in the past 12 months.
What is Commercial National Financial Corporation’s market cap?
Commercial National Financial Corporation’s market cap is $62.24M.
When is Commercial National Financial Corporation’s upcoming earnings report date?
Commercial National Financial Corporation’s upcoming earnings report date is Oct 23, 2026 which is in 44 days.
How were Commercial National Financial Corporation’s earnings last quarter?
Commercial National Financial Corporation released its earnings results on Jul 23, 2026. The company reported $0.423 earnings per share for the quarter.
Is Commercial National Financial Corporation overvalued?
According to Wall Street analysts Commercial National Financial Corporation’s price is currently Overvalued.
Does Commercial National Financial Corporation pay dividends?
Commercial National Financial Corporation pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 3.7%. See more information on Commercial National Financial Corporation dividends here
What is Commercial National Financial Corporation’s EPS estimate?
Commercial National Financial Corporation’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Commercial National Financial Corporation have?
Commercial National Financial Corporation has 3,965,304 shares outstanding.
What happened to Commercial National Financial Corporation’s price movement after its last earnings report?
Commercial National Financial Corporation reported an EPS of $0.423 in its last earnings report. Following the earnings report the stock price went up 2.484%.
Which hedge fund is a major shareholder of Commercial National Financial Corporation?
Currently, no hedge funds are holding shares in CEFC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Commercial National Financial Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.43%
12-Months-Change
Fundamentals
Return on Equity
3.70%
Trailing 12-Months
Asset Growth
0.21%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Commercial National Financial Corporation
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.
Technical Analysis
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Texas Community
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Ownership Overview
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Insiders
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Mutual Funds
0.57% Other Institutional Investors
99.43% Public Companies and
Individual Investors