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What is Commercial National Financial (MI) Debt-to-Equity?
Commercial National Financial (MI)CEFC 60 Debt-to-Equity is 0.41 as of Dec. 2025, which is 50% below its 10-year median of 0.82. 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. Among 1,423 Banks companies, Commercial National Financial (MI) ranks better than 59.52% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
CEFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28 Med: 0.82 Max: 1.69
Current: 0.41
During the past 13 years, the highest Debt-to-Equity Ratio of Commercial National Financial (MI) was 1.69. The lowest was 0.28. And the median was 0.82.
CEFC's Debt-to-Equity is ranked better than 59.52% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs CEFC: 0.41
Commercial National Financial (MI) (OTCPK:CEFC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Commercial National Financial (MI) Debt-to-Equity Related Terms
Commercial National Financial (MI) Debt-to-Equity Historical Data
* 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) Debt-to-Equity Chart
CEFC vs FMFG, BAOB, LFGP: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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) Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Debt-to-Equity falls into.
* 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) (CEFC) has a Debt-to-Equity of 0.41 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial National Financial (MI) and its competitors. This is 50% below median its historical median of 0.82. Over the past decade, Commercial National Financial (MI)'s Debt-to-Equity has ranged from 0.28 to 1.69. According to the industry distribution chart, Commercial National Financial (MI) ranks #576 out of 1423 companies in the Banks industry, placing it in the top 40.5%.
Is Commercial National Financial (MI)'s Debt-to-Equity too high?
Commercial National Financial (MI)'s current Debt-to-Equity of 0.41 is 50% below median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.69. The Banks industry median Debt-to-Equity is 0.56. Commercial National Financial (MI)'s value of 0.41 is 26.8% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #576 out of 1423 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 Debt-to-Equity compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #576 out of 1423 companies for Debt-to-Equity. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Commercial National Financial (MI)'s value of 0.41 is 26.8% below this benchmark. Historically, Commercial National Financial (MI)'s own Debt-to-Equity has ranged from 0.28 to 1.69 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 0.56, Commercial National Financial (MI) has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Debt-to-Equity of 0.41 is 26.8% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Debt-to-Equity is 0.41, which is 50% below median its own 10-year median of 0.82. 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 Debt-to-Equity is 0.41, which is 50% below median its 10-year median of 0.82 and 26.8% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Debt-to-Equity is 0.41 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:
Debt-to-Equity: 0.41 (50% below median its 10-year median of 0.82)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 26.8% below the Banks median (#576 of 1423)
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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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