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What is Commercial National Financial (MI) EV-to-OCF?
Commercial National Financial (MI)CEFC 60 EV-to-OCF is 3.91 as of Jul. 17, 2026, which is 8% below its 10-year median of 4.26. 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 1,502 Banks companies, Commercial National Financial (MI) ranks worse than 50.87% on this metric.
CEFC'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.79 Med: 4.26 Max: 9.73
Current: 3.91
During the past 13 years, the highest EV-to-OCF of Commercial National Financial (MI) was 9.73. The lowest was -0.79. And the median was 4.26.
CEFC's EV-to-OCF is ranked worse than 50.87% of 1502
companies
in the Banks industry
Industry Median: 3.72
vs CEFC: 3.91
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Commercial National Financial (MI) (OTCPK:CEFC) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Commercial National Financial (MI)'s PE Ratio (TTM) for today is calculated as:
Commercial National Financial (MI)'s share price for today is $15.05.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Commercial National Financial (MI)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.670.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Commercial National Financial (MI) EV-to-OCF Related Terms
Commercial National Financial (MI) EV-to-OCF 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) EV-to-OCF Chart
For the Banks - Regional subindustry, Commercial National Financial (MI)'s EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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) EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s EV-to-OCF 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 EV-to-OCF of 3.91 as of Jul. 17, 2026. This is near median its historical median of 4.26. According to the industry distribution chart, Commercial National Financial (MI) ranks #764 out of 1502 companies in the Banks industry, placing it in the top 50.9%.
Is Commercial National Financial (MI)'s EV-to-OCF too high?
Commercial National Financial (MI)'s current EV-to-OCF of 3.91 is near median its 10-year median of 4.26. The Banks industry median EV-to-OCF is 3.72. Commercial National Financial (MI)'s value of 3.91 is 5.1% above this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #764 out of 1502 companies in the Banks industry, which is below 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 EV-to-OCF compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #764 out of 1502 companies for EV-to-OCF. This places Commercial National Financial (MI) in the lower half of its industry. The industry median EV-to-OCF is 3.72. Commercial National Financial (MI)'s value of 3.91 is 5.1% above this benchmark. While the company's 10-year median is 4.26 vs. the industry median of 3.72, Commercial National Financial (MI) has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.72, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current EV-to-OCF of 3.91 is 5.1% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current EV-to-OCF is 3.91, which is near median its own 10-year median of 4.26. 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 EV-to-OCF is 3.91, which is near median its 10-year median of 4.26 and 5.1% above the Banks industry median of 3.72. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current EV-to-OCF is 3.91 as of Jul. 17, 2026. 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:
EV-to-OCF: 3.91 (near median its 10-year median of 4.26)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 5.1% above the Banks median (#764 of 1502)
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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