CEFC (Commercial National Financial (MI)) Defensive Interval Ratio

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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) Defensive Interval Ratio?

CEFC
60GF Score
Commercial National Financial Corp (MI) CEFC
Defensive Interval Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Defensive Interval Ratio:
  • 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

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

$15.05
Price
$10.26
GF Value