Business Description
Commercial National Financial Corp (MI)
NAICS : 522110
SIC : 6021
ISIN : US2022161077
Total Employee Number:
95Description
Commercial National Financial Corp (MI) is a one-bank holding company which conducts limited business activities. The Bank performs the majority of business activities. The Bank provides a full range of banking services to individuals, agricultural businesses, commercial businesses and light industries located in its service area. It maintains a diversified loan portfolio, including loans to individuals for home mortgages, automobiles and personal expenditures, and loans to business enterprises for current operations and expansion. The Bank offers a variety of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.46 | |||||
Equity-to-Asset | 0.1 | |||||
Debt-to-Equity | 0.41 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Beneish M-Score | -2.63 | |||||
WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -0.4 | |||||
3-Year EPS without NRI Growth Rate | -6.5 | |||||
3-Year FCF Growth Rate | -7.7 | |||||
3-Year Book Growth Rate | 13 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 78.54 | |||||
9-Day RSI | 75.33 | |||||
14-Day RSI | 72.15 | |||||
3-1 Month Momentum % | 4.33 | |||||
6-1 Month Momentum % | 6.59 | |||||
12-1 Month Momentum % | 39.17 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 3.85 | |||||
Dividend Payout Ratio | 0.34 | |||||
Forward Dividend Yield % | 3.99 | |||||
5-Year Yield-on-Cost % | 3.85 | |||||
3-Year Average Share Buyback Ratio | 0.2 | |||||
Shareholder Yield % | -10.8 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 29.68 | |||||
FCF Margin % | 28.1 | |||||
OCF Margin % | 28.94 | |||||
ROE % | 12.38 | |||||
ROA % | 1.18 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 9.01 | |||||
PE Ratio without NRI | 9.01 | |||||
Shiller PE Ratio | 9.9 | |||||
Price-to-Owner-Earnings | 9.23 | |||||
PEG Ratio | 1.45 | |||||
PS Ratio | 2.67 | |||||
PB Ratio | 1.05 | |||||
Price-to-Tangible-Book | 1.12 | |||||
Price-to-Free-Cash-Flow | 9.51 | |||||
Price-to-Operating-Cash-Flow | 9.23 | |||||
EV-to-Revenue | 1.13 | |||||
EV-to-FCF | 4.02 | |||||
Price-to-GF-Value | 1.47 | |||||
Price-to-Projected-FCF | 0.58 | |||||
Price-to-DCF (Earnings Based) | 0.41 | |||||
Price-to-DCF (FCF Based) | 0.52 | |||||
Price-to-Median-PS-Value | 1.06 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.45 | |||||
Price-to-Graham-Number | 0.67 | |||||
FCF Yield % | 10.56 | |||||
Forward Rate of Return (Yacktman) % | 15.68 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
Commercial National Financial Corp (MI) Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 22.271 | ||
| EPS (TTM) ($) | 1.67 | ||
| Beta | 0.4564 | ||
| 3-Year Sharpe Ratio | 0.82 | ||
| 3-Year Sortino Ratio | 1.33 | ||
| Volatility % | 8.32 | ||
| 14-Day RSI | 72.15 | ||
| 14-Day ATR ($) | 0.040879 | ||
| 20-Day SMA ($) | 14.929936 | ||
| 12-1 Month Momentum % | 39.17 | ||
| 52-Week Range ($) | 10.57 - 15.05 | ||
| Shares Outstanding (Mil) | 3.94 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Commercial National Financial Corp (MI) Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Commercial National Financial Corp (MI) Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| USD 0.150000 Cash Dividend | 2026-06-12 | 14.68 (-0.07%) | ||
| USD 0.150000 Cash Dividend | 2026-03-13 | 13.95 (+0.00%) | ||
| USD 0.140000 Cash Dividend | 2025-12-12 | 13.50 (+0.00%) | ||
| USD 0.140000 Cash Dividend | 2025-09-19 | 12.27 (+2.63%) | ||
| USD 0.140000 Cash Dividend | 2025-06-13 | 10.55 (+0.00%) | ||
| USD 0.140000 Cash Dividend | 2025-03-14 | 10.34 (+0.00%) | ||
| USD 0.140000 Cash Dividend | 2024-12-13 | 9.97 (+0.00%) | ||
| USD 0.140000 Cash Dividend | 2024-09-13 | 9.27 (+0.32%) | ||
| 1.05:1 Stock Split | 2003-11-12 | 11.14 (+0.00%) | ||
| 1.05:1 Stock Split | 2002-10-23 | 11.79 (+0.00%) |
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Entries
Commercial National Financial Corp (MI) Frequently Asked Questions
What is Commercial National Financial Corp (MI)(CEFC)'s stock price today?
The current price of CEFC is $15.05. The 52 week high of CEFC is $15.05 and 52 week low is $10.57.
When is next earnings date of Commercial National Financial Corp (MI)(CEFC)?
The next earnings date of Commercial National Financial Corp (MI)(CEFC) is .
Does Commercial National Financial Corp (MI)(CEFC) pay dividends? If so, how much?
The Dividend Yield %  of Commercial National Financial Corp (MI)(CEFC) is 3.85% (As of Today), Highest Dividend Payout Ratio of Commercial National Financial Corp (MI)(CEFC) was 1.51. The lowest was 0.28. And the median was 0.39. The  Forward Dividend Yield % of Commercial National Financial Corp (MI)(CEFC) is 3.99%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on OTCPK:CEFC
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Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Commercial National Financial Corp (MI)
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