CEFC (Commercial National Financial (MI)) Beginning Cash Position: $55.59 Mil (As of Dec. 2025)

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CEFC Commercial National Financial Corp (MI) CEFC
60 GF Score
Price $15.05
GF Value $10.26
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Commercial National Financial (MI) Beginning Cash Position?

Commercial National Financial (MI) CEFC 60 Beginning Cash Position is $55.59 Mil as of Dec. 2025. GuruFocus rates CEFC with a GF Score™ of 60/100 and a GF Value™ of $10.26 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Commercial National Financial (MI)'s Beginning Cash Position for the quarter that ended in Dec. 2025 was $55.59 Mil.

Commercial National Financial (MI)'s quarterly Beginning Cash Position declined from Dec. 2023 ($61.07 Mil) to Dec. 2024 ($32.94 Mil) but then increased from Dec. 2024 ($32.94 Mil) to Dec. 2025 ($55.59 Mil).

Commercial National Financial (MI)'s annual Beginning Cash Position declined from Dec. 2023 ($61.07 Mil) to Dec. 2024 ($32.94 Mil) but then increased from Dec. 2024 ($32.94 Mil) to Dec. 2025 ($55.59 Mil).

Commercial National Financial (MI) Beginning Cash Position Related Terms

Commercial National Financial (MI) Beginning Cash Position Historical Data

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The historical data trend for Commercial National Financial (MI)'s Beginning Cash Position can be seen below:

* 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.

Commercial National Financial (MI) Beginning Cash Position Chart

Commercial National Financial (MI) Annual Data
Trend Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 42.77 28.72 61.07 32.94 55.59

Commercial National Financial (MI) Semi-Annual Data
Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 42.77 28.72 61.07 32.94 55.59
CEFC
60GF Score
Commercial National Financial Corp (MI) CEFC
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $55.59 Mil mean?
Commercial National Financial (MI) (CEFC) has a Beginning Cash Position of $55.59 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s Beginning Cash Position too high?
Commercial National Financial (MI)'s current Beginning Cash Position is $55.59 Mil. 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 Beginning Cash Position compare to FMFG and BAOB?
Commercial National Financial (MI)'s Beginning Cash Position of $55.59 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current Beginning Cash Position is $55.59 Mil. 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 Beginning Cash Position is $55.59 Mil. 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 Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Beginning Cash Position is $55.59 Mil as of Dec. 2025. 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:

  • Beginning Cash Position: $55.59 Mil
  • GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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

Address 101 North Pine River Street, Ithaca, MI, USA, 48847
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

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.05
Price
$10.26
GF Value