Commercial National Financial AI Stock Analysis
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Commercial National Financial (CEFC) AI Stock Analysis
Commercial National Financial
(Other OTC:CEFC)
CEFC scores well primarily on financial performance (healthy profitability, improving leverage over time, and cash flows that broadly support earnings), with valuation also a meaningful positive (low P/E and a ~3.72% dividend yield). Technicals are supportive but not strong enough to lift the stock into a higher tier, reflecting only modest momentum.
Commercial National Financial (CEFC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $62.97M
- Dividend Yield
- 3.69%
- Average Volume (3M)
- 2,117
- Price to Earnings (P/E)
- 9.1
- Beta (1Y)
- 0.27
- Revenue Growth
- -1.54%
- EPS Growth
- 3.05%
- Country
- US
- Employees
- 95
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Commercial National Financial Business Overview & Revenue Model
Company Description
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 var...
Commercial National Financial Financial Statement Overview
Summary
Strong overall fundamentals for a regional bank: solid revenue momentum (notably a pickup in 2025), healthy profitability, improving leverage versus earlier years, and operating cash flow/free cash flow that generally supports earnings. The score is held back by margin volatility (including a 2024 operating margin inconsistency), a rise in total debt in 2025, and uneven free cash flow growth year-to-year.
Income Statement
78PositiveBalance Sheet
71PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 28.12M | 28.15M | 29.17M | 27.39M | 25.63M | 21.71M |
| Gross Profit | 23.06M | 22.35M | 21.08M | 20.37M | 22.62M | 19.30M |
| EBITDA | 8.30M | 8.05M | 8.16M | 8.57M | 10.87M | 8.45M |
| Net Income | 6.82M | 6.61M | 5.86M | 6.17M | 8.08M | 6.37M |
Balance Sheet | ||||||
| Total Assets | 564.72M | 554.21M | 566.64M | 579.16M | 613.75M | 610.80M |
| Cash, Cash Equivalents and Short-Term Investments | 37.65M | 57.37M | 57.33M | 36.68M | 70.03M | 49.44M |
| Total Debt | 18.31M | 23.31M | 14.95M | 27.40M | 32.40M | 47.80M |
| Total Liabilities | 510.12M | 497.93M | 516.11M | 532.35M | 574.44M | 565.91M |
| Stockholders Equity | 54.60M | 56.28M | 50.53M | 46.81M | 39.31M | 44.89M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 6.26M | 4.82M | 5.67M | 7.99M | 4.41M |
| Operating Cash Flow | 0 | 6.45M | 6.19M | 6.70M | 8.85M | 5.24M |
| Investing Cash Flow | 0 | 15.88M | 34.91M | 9.47M | 17.00M | -76.15M |
| Financing Cash Flow | 0 | -20.54M | -18.45M | -44.31M | 6.51M | 56.86M |
Commercial National Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CEFC, the sentiment is Positive. The current price of 15.97 is above the 20-day moving average (MA) of 15.82, above the 50-day MA of 15.83, and above the 200-day MA of 14.80, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 61.87 is Neutral, neither overbought nor oversold. The STOCH value of 67.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CEFC.
Commercial National Financial Peers Comparison
Overall Rating
OPHC83Outperform- CEFC74Outperform
ASRV70Outperform
TCBS65Neutral
HFBL64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $112.72M | 5.24 | 16.39% | ― | 24.01% | 20.16% |
| CEFC | 74Outperform | $63.37M | 9.13 | 12.20% | 3.69% | -1.54% | 3.05% |
| ASRV | 70Outperform | $80.02M | 8.82 | 7.48% | 2.53% | 2.43% | 75.47% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.55M | 15.04 | 5.83% | 1.44% | 2.23% | 33.79% |
| HFBL | 64Neutral | $72.64M | 11.21 | 11.12% | 2.37% | 7.94% | 43.98% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CEFC | Commercial National Financial Corporation | 15.97 | 3.24 | 25.44% | |
| ASRV | AmeriServ Financial, Inc. | 4.74 | 1.80 | 61.11% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 24.00 | 8.78 | 57.73% | |
| OPHC | Optimumbank | 9.07 | 4.87 | 115.95% | |
| TCBS | Texas Community Bancshares, Inc. | 17.39 | 1.62 | 10.30% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 07, 2026