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 | 2/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
My Notes
Capture your thoughts, links and company narrative
Commercial National Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.20 |
| 52 Week High | US$10.94 |
| 52 Week Low | US$8.35 |
| Beta | 0.51 |
| 1 Month Change | 7.37% |
| 3 Month Change | 13.21% |
| 1 Year Change | 13.33% |
| 3 Year Change | -13.56% |
| 5 Year Change | -8.93% |
| Change since IPO | 107.68% |
Recent News & Updates
Recent updates
Shareholder Returns
| CEFC | US Banks | US Market | |
|---|---|---|---|
| 7D | 0% | -3.4% | -2.2% |
| 1Y | 13.3% | 29.3% | 23.9% |
Return vs Industry: CEFC underperformed the US Banks industry which returned 29.1% over the past year.
Return vs Market: CEFC underperformed the US Market which returned 23.4% over the past year.
Price Volatility
| CEFC volatility | |
|---|---|
| CEFC Average Weekly Movement | 3.7% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.0% |
| 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 (4%) 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 automobile, recreational vehicle, all-terrain, boat and snow mobile loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business lines of credit, SBA loans, equipment lines of credit, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs.
Commercial National Financial Corporation Fundamentals Summary
| CEFC fundamental statistics | |
|---|---|
| Market cap | US$40.45m |
| Earnings (TTM) | US$5.44m |
| Revenue (TTM) | US$20.57m |
7.4x
P/E Ratio0.8x
P/B RatioIs CEFC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CEFC income statement (TTM) | |
|---|---|
| Revenue | US$20.57m |
| Cost of Revenue | US$0 |
| Gross Profit | US$20.57m |
| Other Expenses | US$15.13m |
| Earnings | US$5.44m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.37 |
| Gross Margin | 100.00% |
| Net Profit Margin | 26.45% |
| Debt/Equity Ratio | 28.2% |
How did CEFC perform over the long term?
See historical performance and comparisonDividends
5.5%
Current Dividend Yield41%
Payout RatioDoes CEFC pay a reliable dividends?
See CEFC dividend history and benchmarks| Commercial National Financial dividend dates | |
|---|---|
| Ex Dividend Date | Dec 13 2024 |
| Dividend Pay Date | Jan 02 2025 |
| Days until Ex dividend | 12 days |
| Days until Dividend pay date | 8 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 | 2024/12/23 01:29 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 here.
Analysis Model and Snowflake
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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 .
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.
| Analyst | Institution |
|---|