Commercial National Financial (CEFC) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
CEFC Community Fair Values
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Commercial National Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$14.68 |
| 52 Week High | US$14.82 |
| 52 Week Low | US$10.30 |
| Beta | 0.43 |
| 1 Month Change | 1.80% |
| 3 Month Change | 5.25% |
| 1 Year Change | 39.15% |
| 3 Year Change | 54.53% |
| 5 Year Change | 36.56% |
| Change since IPO | 198.89% |
Recent News & Updates
Recent updates
Shareholder Returns
| CEFC | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.2% | 3.9% | -4.1% |
| 1Y | 39.1% | 21.7% | 20.6% |
Return vs Industry: CEFC exceeded the US Banks industry which returned 21.7% over the past year.
Return vs Market: CEFC exceeded the US Market which returned 20.6% over the past year.
Price Volatility
| CEFC volatility | |
|---|---|
| CEFC Average Weekly Movement | 1.7% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: CEFC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CEFC's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1893 | n/a | Kevin Collison | www.commercial-bank.com |
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. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It offers personal loan products, such as automobiles, recreational vehicles, boats, 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, and capital access loan programs.
Commercial National Financial Corporation Fundamentals Summary
| CEFC fundamental statistics | |
|---|---|
| Market cap | US$58.34m |
| Earnings (TTM) | US$6.86m |
| Revenue (TTM) | US$22.73m |
Is CEFC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CEFC income statement (TTM) | |
|---|---|
| Revenue | US$22.73m |
| Cost of Revenue | US$0 |
| Gross Profit | US$22.73m |
| Other Expenses | US$15.87m |
| Earnings | US$6.86m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.74 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.17% |
| Debt/Equity Ratio | 32.7% |
How did CEFC perform over the long term?
See historical performance and comparisonDividends
Does CEFC pay a reliable dividends?
See CEFC dividend history and benchmarks| Commercial National Financial dividend dates | |
|---|---|
| Ex Dividend Date | Jun 12 2026 |
| Dividend Pay Date | Jul 01 2026 |
| Days until Ex dividend | 0 days |
| Days until Dividend pay date | 19 days |
Does CEFC pay a reliable dividends?
See CEFC dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/11 22:20 |
| End of Day Share Price | 2026/06/11 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Commercial National Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.