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During the past 13 years, Commercial National Financial (MI)'s highest 3-Year average EPS without NRI Growth Rate was 45.50% per year. The lowest was -27.10% per year. And the median was -4.10% per year.
Commercial National Financial (MI) (OTCPK:CEFC) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Commercial National Financial (MI) Earnings per Share (Diluted) Related Terms
Commercial National Financial (MI) Earnings per Share (Diluted) 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) Earnings per Share (Diluted) Chart
CEFC vs BSPA, LSFG, FMFG: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s PE Ratio, along with its competitors' market caps and PE Ratio 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) PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s PE Ratio distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s PE Ratio falls into.
Commercial National Financial (MI) Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $0.85
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.85 mean?
Commercial National Financial (MI) (CEFC) has a Earnings per Share (Diluted) of $0.85 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Commercial National Financial (MI) and its competitors. According to the industry distribution chart, Commercial National Financial (MI) ranks #1170 out of 1407 companies in the Banks industry, placing it in the top 83.2%.
Is Commercial National Financial (MI)'s Earnings per Share (Diluted) too high?
Commercial National Financial (MI)'s current Earnings per Share (Diluted) is $0.85. The Banks industry median Earnings per Share (Diluted) is 7.50. Commercial National Financial (MI)'s value of $0.85 is 88.7% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #1170 out of 1407 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Commercial National Financial (MI) has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial National Financial (MI)'s Earnings per Share (Diluted) compare to BSPA and LSFG?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #1170 out of 1407 companies for Earnings per Share (Diluted). This places Commercial National Financial (MI) in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Commercial National Financial (MI)'s value of $0.85 is 88.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Earnings per Share (Diluted) of $0.85 is 88.7% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Earnings per Share (Diluted) is $0.85. 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 $10.25, compared to a current price of $15.60 — trading 52.2% above its estimated fair value. The current Earnings per Share (Diluted) is $0.85 and 88.7% below the Banks industry median of 7.50. Commercial National Financial (MI)'s overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Earnings per Share (Diluted) is $0.85 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 $15.60 is trading 52.2% above its estimated GF Value™ of $10.25.
GuruFocus considers Commercial National Financial (MI) to be Significantly Overvalued.
Key valuation signals for CEFC:
Earnings per Share (Diluted): $0.85
GF Value™: $10.25 vs. price of $15.60 (52.2% above fair value)
Industry Position: 88.7% below the Banks median (#1170 of 1407)
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 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.
56GF Score
Get the complete analysis for CEFC
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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