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During the past 10 years, the average Dividends Per Share Growth Rate was 0.30% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Commercial National Financial (MI) was 31.80% per year. The lowest was -6.50% per year. And the median was 0.40% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
Commercial National Financial (MI) (OTCPK:CEFC) Forward Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Commercial National Financial (MI) Forward Dividend Yield % Related Terms
CEFC vs FMFG, BAOB, LFGP: Forward Dividend Yield % Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Forward Dividend Yield %, along with its competitors' market caps and Forward Dividend Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commercial National Financial (MI) Forward Dividend Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Forward Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Forward Dividend Yield % falls into.
Commercial National Financial (MI) Forward Dividend Yield % Calculation
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Commercial National Financial (MI) Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.150000
2026-06-12
2026-06-12
2026-07-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.150000
2026-03-13
2026-03-13
2026-04-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.140000
2025-12-12
2025-12-12
2026-01-02
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.140000
2025-09-19
2025-09-19
2025-10-01
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Forward Dividend Yield % of 3.99% mean?
Commercial National Financial (MI) (CEFC) has a Forward Dividend Yield % of 3.99% as of Jul. 17, 2026. Forward dividend yield is the ratio of company's expected dividends to the share price. View historical data on Commercial National Financial (MI) and its competitors. According to the industry distribution chart, Commercial National Financial (MI) ranks #435 out of 1241 companies in the Banks industry, placing it in the top 35.1%.
Is Commercial National Financial (MI)'s Forward Dividend Yield % too high?
Commercial National Financial (MI)'s current Forward Dividend Yield % is 3.99%. The Banks industry median Forward Dividend Yield % is 3.06. Commercial National Financial (MI)'s value of 3.99% is 30.4% above this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #435 out of 1241 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial National Financial (MI) has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial National Financial (MI)'s Forward Dividend Yield % compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #435 out of 1241 companies for Forward Dividend Yield %. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median Forward Dividend Yield % is 3.06. Commercial National Financial (MI)'s value of 3.99% is 30.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward Dividend Yield % for a Banks company?
The median Forward Dividend Yield % among Banks companies is 3.06, based on 1,241 companies in the industry. Companies in the top quartile (top 25%) have a Forward Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Forward Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Forward Dividend Yield % of 3.99% is 30.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward Dividend Yield % mean?
A high Forward Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Forward dividend yield is the ratio of company's expected dividends to the share price. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Forward Dividend Yield % is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Forward Dividend Yield % is 3.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial National Financial (MI) stock overvalued right now?
Based on GuruFocus' analysis, Commercial National Financial (MI) (CEFC) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.26, compared to a current price of $15.05 — trading 46.7% above its estimated fair value. The current Forward Dividend Yield % is 3.99% and 30.4% above the Banks industry median of 3.06. Commercial National Financial (MI)'s overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Dividend Yield % calculated?
Forward Dividend Yield % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Forward Dividend Yield % is 3.99% as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Commercial National Financial (MI) (CEFC) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial National Financial (MI) stock appears to be overvalued.
The current stock price of $15.05 is trading 46.7% above its estimated GF Value™ of $10.26.
GuruFocus considers Commercial National Financial (MI) to be Significantly Overvalued.
Key valuation signals for CEFC:
Forward Dividend Yield %: 3.99%
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 30.4% above the Banks median (#435 of 1241)
No single metric tells the full story. See the CEFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial National Financial (MI) Business Description
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.
60GF Score
Get the complete analysis for CEFC
Forward Dividend Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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