CEFC (Commercial National Financial (MI)) Net Loan: $367.94 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) Net Loan?

Commercial National Financial (MI) CEFC 60 Net Loan is $367.94 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 quarterly net loan declined from Dec. 2023 ($413.83 Mil) to Dec. 2024 ($392.17 Mil) and declined from Dec. 2024 ($392.17 Mil) to Dec. 2025 ($367.94 Mil).

Commercial National Financial (MI)'s annual net loan declined from Dec. 2023 ($413.83 Mil) to Dec. 2024 ($392.17 Mil) and declined from Dec. 2024 ($392.17 Mil) to Dec. 2025 ($367.94 Mil).

Commercial National Financial (MI) Net Loan Historical Data

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The historical data trend for Commercial National Financial (MI)'s Net Loan 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) Net Loan Chart

Commercial National Financial (MI) Annual Data
Trend Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 447.75 407.14 413.83 392.17 367.94

Commercial National Financial (MI) Semi-Annual Data
Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan 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 447.75 407.14 413.83 392.17 367.94
CEFC
60GF Score
Commercial National Financial Corp (MI) CEFC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $367.94 Mil mean?
Commercial National Financial (MI) (CEFC) has a Net Loan of $367.94 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s Net Loan too high?
Commercial National Financial (MI)'s current Net Loan is $367.94 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 Net Loan compare to FMFG and BAOB?
Commercial National Financial (MI)'s Net Loan of $367.94 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current Net Loan is $367.94 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 Net Loan is $367.94 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Net Loan is $367.94 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:

  • Net Loan: $367.94 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

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

$15.05
Price
$10.26
GF Value