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Commercial National Financial
(OTC:CEFC)
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Rating:76Outperform
Price Target:
$18.00
▲(15.83% Upside)
Action:Reiterated
Date:03/28/26
The score is driven primarily by solid underlying financial performance (healthy profitability, improved leverage, and steady cash generation), supported by favorable valuation (low P/E and strong dividend yield). Technicals are constructive with the stock trading above key moving averages, though momentum signals are mixed, and financial statement volatility (margins/FCF variability and higher 2025 debt) tempers the overall rating.
Positive Factors
Steady cash generation
Consistent operating cash flow and free cash flow close to reported earnings indicate earnings are largely supported by cash. That durability improves the firm's ability to fund dividends, organic investment and loan growth without relying on volatile financing, supporting stability over months.
Negative Factors
Margin volatility
Material year-to-year swings in operating margins reduce predictability of earnings and cash flow. For a regional bank, inconsistent margins complicate provisioning and capital planning, making it harder to forecast sustainable profitability across economic cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady cash generation
Consistent operating cash flow and free cash flow close to reported earnings indicate earnings are largely supported by cash. That durability improves the firm's ability to fund dividends, organic investment and loan growth without relying on volatile financing, supporting stability over months.
Read all positive factors
Commercial National Financial (CEFC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$62.45M
Dividend Yield3.61%
Average Volume (3M)3.86K
Price to Earnings (P/E)12.1
Beta (1Y)0.30
Revenue Growth-2.16%
EPS Growth9.78%
CountryUS
Employees95
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
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 ...
Commercial National Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
71
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.60M | 28.15M | 29.17M | 27.39M | 25.63M | 21.71M |
| Gross Profit | 22.73M | 22.35M | 21.08M | 20.37M | 22.62M | 19.30M |
| EBITDA | 8.37M | 8.05M | 8.16M | 8.57M | 10.87M | 8.45M |
| Net Income | 6.86M | 6.61M | 5.86M | 6.17M | 8.08M | 6.37M |
Balance Sheet | ||||||
| Total Assets | 564.97M | 554.21M | 566.64M | 579.16M | 613.75M | 610.80M |
| Cash, Cash Equivalents and Short-Term Investments | 60.28M | 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 | 508.99M | 497.93M | 516.11M | 532.35M | 574.44M | 565.91M |
| Stockholders Equity | 55.99M | 56.28M | 50.53M | 46.81M | 39.31M | 44.89M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.26M | 4.82M | 5.67M | 7.99M | 4.41M |
| Operating Cash Flow | 0.00 | 6.45M | 6.19M | 6.70M | 8.85M | 5.24M |
| Investing Cash Flow | 0.00 | 15.88M | 34.91M | 9.47M | 17.00M | -76.15M |
| Financing Cash Flow | 0.00 | -20.54M | -18.45M | -44.31M | 6.51M | 56.86M |
Commercial National Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $86.49M | 4.39 | 16.39% | ― | 24.01% | 17.08% | |
76 Outperform | $70.24M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
76 Outperform | $62.45M | 12.10 | 12.27% | 3.73% | -2.16% | 9.78% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
58 Neutral | $50.49M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
CEFC
Commercial National Financial
16.05
5.46
51.59%
ASRV
Ameriserv Financial
4.57
1.75
61.88%
HFBL
Home Federal Bancorp Of Louisiana
23.35
10.58
82.95%
OPHC
Optimumbank Holdings
7.60
3.08
68.14%
TCBS
Texas Community
17.60
1.81
11.49%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.