Commercial National Financial (CEFC) AI Stock Analysis

• Market Cap: $40.84M
• Dividend Yield: 5.44%
• Average Volume (3M): 487.00
• Price to Earnings (P/E): 6.7
• Beta (1Y): 0.52
• Revenue Growth: 3.45%
• EPS Growth: 4.56%
• Country: US
• Employees: 95
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 3,965,304
• 10 Day Avg. Volume: 222
• 30 Day Avg. Volume: 487
• PEG Ratio: 1.43
• Price to Book (P/B): 0.82
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 0.51
• Enterprise Value/Gross Profit: 1.98
• Enterprise Value/Ebitda: 2.98
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

Commercial National Financial exhibits solid financial fundamentals with strong liquidity and efficient cash flow management. However, technical indicators suggest a bearish trend, which could pose short-term risks. The stock appears undervalued with a low P/E ratio and a high dividend yield, offering potential long-term value. Overall, while the company's financials are robust, market momentum and technical indicators warrant cautious optimism.

Commercial National Financial Business Overview & Revenue Model

Company Description

Commercial National Financial (CEFC) is a financial services company that operates primarily in the banking sector. The company offers a range of products and services, including personal and commercial banking, mortgage lending, and wealth management solutions. Through its network of branches and online platforms, CEFC provides customers with comprehensive financial services tailored to their needs.

How the Company Makes Money

CEFC makes money primarily through interest income generated from loans and mortgages extended to personal and commercial clients. Additionally, the company earns revenue from fees and commissions associated with its banking services, such as account maintenance fees, transaction fees, and wealth management advisory fees. CEFC also benefits from investment income through its portfolio of securities and strategic partnerships that enhance its financial product offerings. The company's diverse revenue streams and focus on customer-centric solutions contribute to its earnings stability and growth.

Commercial National Financial Financial Statement Overview

Summary

Commercial National Financial demonstrates solid financial health with a strong balance sheet and stable income generation. While profitability metrics saw some pressure, the company's liquidity and operational efficiency remain robust. Cash flow management is effective, though further improvements in profit margins would enhance financial stability.

Income Statement

The company exhibits consistent revenue generation with a stable gross profit margin. However, the net profit margin has seen a decline over the years, indicating pressure on profitability. Revenue growth has been moderate, and the EBIT margin suggests efficient operating performance despite recent declines.

Balance Sheet

The balance sheet shows strong liquidity with significant cash reserves and no current debt. The equity ratio indicates solid equity financing, and the return on equity has been stable, reflecting effective use of equity. However, total assets have slightly decreased, which needs monitoring.

Cash Flow

Operating cash flow remains healthy, supporting net income generation. Free cash flow has experienced fluctuations, with a recent decline. However, the operating cash flow to net income ratio is favorable, indicating efficient cash flow management. Capital expenditures are manageable.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
28.52M	21.08M	20.37M	25.63M	21.71M	21.25M
	Gross Profit
28.52M	21.08M	20.37M	25.63M	21.71M	21.25M
	EBIT
9.04M	6.98M	9.39M	9.88M	7.78M	5.22M
	EBITDA
3.35M	0.00	8.57M	10.87M	8.45M	5.87M
	Net Income Common Stockholders
5.73M	5.86M	6.17M	8.08M	6.37M	4.36M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
59.25M	57.33M	32.94M	61.07M	28.71M	42.77M
	Total Assets
591.71M	566.64M	579.16M	613.75M	610.80M	547.78M
	Total Debt
24.31M	0.00	17.40M	33.10M	48.53M	53.16M
	Net Debt
-34.94M	-57.33M	-15.54M	-36.93M	-909.98K	-13.74M
	Total Liabilities
544.56M	516.11M	532.35M	574.44M	565.91M	506.44M
	Stockholders Equity
47.15M	50.53M	46.81M	39.31M	44.89M	41.34M
Cash Flow		Free Cash Flow
0.00	4.82M	5.67M	7.99M	4.41M	4.70M
	Operating Cash Flow
0.00	6.19M	6.70M	8.85M	5.24M	5.00M
	Investing Cash Flow
0.00	34.91M	9.47M	17.00M	-76.15M	-22.63M
	Financing Cash Flow
0.00	-18.45M	-44.31M	6.51M	56.86M	38.60M

Commercial National Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CEFC, the sentiment is Neutral. The current price of 10.3 is below the 20-day moving average (MA) of 10.43, above the 50-day MA of 10.24, and above the 200-day MA of 9.79, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 49.54 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CEFC.

Commercial National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	82 Outperform	$51.23M	3.25	15.30%	―	43.98%	37.57%
HFBL	76 Outperform	$41.28M	12.67	6.24%	3.93%	-2.69%	-21.26%
CEFC	68 Neutral	$40.84M	6.66	12.35%	5.44%	3.45%	4.56%
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.30%	-7.71%
CLST	57 Neutral	$49.58M	21.54	2.70%	―	152.27%	―
ASRV	55 Neutral	$48.07M	13.29	3.36%	4.12%	7.80%	―