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CEFC Stock Chart & Stats
$13.80
-$0.04(-0.39%)
At close: 4:00 PM EST
$13.80
-$0.04(-0.39%)
Day’s Range― - ―
52-Week Range$11.00 - $16.27
Previous CloseN/A
Volume435.00
Average Volume (3M)3.86K
Market Cap
$61.46M
Enterprise Value$13.27
Total Cash (Recent Filing)$60.28M
Total Debt (Recent Filing)$18.31M
Price to Earnings (P/E)11.8
Beta0.29
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.74%
Share Statistics
EPS (TTM)1.74
Shares Outstanding3,965,304
10 Day Avg. Volume2,719
30 Day Avg. Volume3,861
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
ProfitabilitySustained high net margins indicate durable core profitability and pricing power relative to peers. Consistently strong margins provide an earnings cushion through cycles, supporting internal funding for dividends and reinvestment without relying on external capital.
Improving LeverageMaterial reduction in leverage meaningfully lowers financial risk and interest burden. Better capital posture enhances capacity to absorb shocks, fund organic growth, and maintain lending flexibility — improving long-term resilience and strategic optionality.
Cash GenerationSteady cash conversion shows earnings are largely backed by cash, enabling reliable dividend funding, routine capex, and debt servicing. This consistency reduces refinancing dependence and supports durable shareholder returns and balance sheet maintenance.
Bears Say
Margin VolatilitySignificant year-to-year margin swings weaken earnings predictability and complicate budgeting. For a regional bank, variable margins can reflect cyclical credit costs or fee variability, raising uncertainty around sustainable profit levels and long-term planning.
Uneven Free Cash Flow GrowthVariable FCF trends constrain the firm's ability to consistently fund dividends, lend, or pursue strategic initiatives without tapping external markets. Fluctuating cash conversion increases reliance on timing of inflows and can force reactive capital decisions.
Recent Rise In Total DebtA recent uptick in absolute debt may signal increased funding needs or strategic financing that raises short-term interest and refinancing risk. Even with lower leverage ratios historically, rising debt levels can pressure flexibility if earnings or cash flow weaken.
CEFC FAQ
What was Commercial National Financial Corporation’s price range in the past 12 months?
Commercial National Financial Corporation lowest stock price was $11.00 and its highest was $16.27 in the past 12 months.
What is Commercial National Financial Corporation’s market cap?
Commercial National Financial Corporation’s market cap is $61.46M.
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 89 days.
How were Commercial National Financial Corporation’s earnings last quarter?
Currently, no data Available
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 3.74%. 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?
Currently, no data Available
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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5
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8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.15%
12-Months-Change
Fundamentals
Return on Equity
3.74%
Trailing 12-Months
Asset Growth
-2.19%
Trailing 12-Months
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