OTC · Banks - Regional

Commercial National Financial Corporation (CEFC) Stock

$15.75 +1.35% OTC: CEFC Financial Services

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.

Valuation

MetricValue
Price$15.75
Market Cap$62.00M
P/E Ratio12.32
P/B Ratio0.66
P/S Ratio1.47
EPS (TTM)$1.28
52-Week High$15.75
52-Week Low$11.03
Dividend Yield5.49%

Financials & Margins

MetricValue
ROE5.40%
ROA0.56%
ROCE0.56%
Gross Margin93.98%
Operating Margin11.46%
Net Margin11.81%
Debt/Equity0.28
Current Ratio0.60

Annual Financials (USD)

Metric20212022202320242025
Revenue$22.0M$26.0M$27.0M$29.0M$28.0M
Operating Profit$8.0M$10.0M$8.0M$7.0M$8.0M
Net Profit$6.0M$8.0M$6.0M$6.0M$7.0M
EPS$1.61$2.04$1.56$1.48$1.67
Op Margin35.8%38.5%27.5%23.9%28.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$611.0M$614.0M$579.0M$567.0M$554.0M
Total Liabilities$566.0M$574.0M$532.0M$516.0M$498.0M
Cash$49.0M$70.0M$37.0M$56.0M$57.0M
Borrowings$48.0M$32.0M$27.0M$15.0M$23.0M

Latest News

Commercial National Financial Corporation Reports 2nd Quarter 2026 Results GlobeNewswire · Jul 27, 2026 Commercial National Financial Corporation Announces Quarterly Dividend & Share Repurchase Program GlobeNewswire · May 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$5.0M$9.0M$7.0M$6.0M$6.0M
Investing Cash Flow$-77.0M$16.0M$8.0M$34.0M$16.0M
Financing Cash Flow$64.0M$24.0M$-37.0M$-3.0M$-27.0M
Net Cash Flow$-14.0M$32.0M$-28.0M$23.0M$0
Free Cash Flow$4.0M$8.0M$6.0M$5.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.13
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBSUCentral Bank Corporation $30.00 +0.00% — $0 4.00%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
SOMCSouthern Michigan Bancorp, Inc. $29.01 -1.26% 10.95 $130.74M 2.34%
STBISturgis Bancorp, Inc. $29.10 +0.00% 7.17 $71.12M 2.47%

About 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.

Commercial National Financial Corporation is headquartered in US.

Commercial National Financial Corporation (CEFC) stock trades at $15.75 with a market capitalization of $62.00M. The stock is valued at a price-to-earnings (P/E) ratio of 12.32, price-to-book of 0.66, price-to-sales of 1.47. Over the past 52 weeks the stock has ranged between $11.03 and $15.75, and currently trades at its 52-week high. It pays a dividend yielding 5.49%.

On profitability, Commercial National Financial Corporation generates a return on equity (ROE) of 5.40%, return on capital employed of 0.56%, an operating margin of 11.46%, a net profit margin of 11.81%.

Official website: www.commercial-bank.com

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