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Commercial National Financial (MI)CEFC 56 Equity-to-Asset is 0.10 as of Dec. 2025, which is 25% above its 10-year median of 0.08. GuruFocus rates CEFC with a GF Score™ of 56/100 and a GF Value™ of $10.25 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Commercial National Financial (MI) ranks better than 54.37% on this metric.
The historical rank and industry rank for Commercial National Financial (MI)'s Equity-to-Asset or its related term are showing as below:
CEFC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.08 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Commercial National Financial (MI) was 0.10. The lowest was 0.06. And the median was 0.08.
CEFC's Equity-to-Asset is ranked better than 54.37% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs CEFC: 0.10
Commercial National Financial (MI) (OTCPK:CEFC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Commercial National Financial (MI) Equity-to-Asset Related Terms
Commercial National Financial (MI) Equity-to-Asset 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) Equity-to-Asset Chart
CEFC vs BSPA, LSFG, FMFG: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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) Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Equity-to-Asset falls into.
Commercial National Financial (MI) Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Commercial National Financial (MI) and its competitors. This is 25% above median its historical median of 0.08. Over the past decade, Commercial National Financial (MI)'s Equity-to-Asset has ranged from 0.06 to 0.10. According to the industry distribution chart, Commercial National Financial (MI) ranks #694 out of 1521 companies in the Banks industry, placing it in the top 45.6%.
Is Commercial National Financial (MI)'s Equity-to-Asset too high?
Commercial National Financial (MI)'s current Equity-to-Asset of 0.10 is 25% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Commercial National Financial (MI)'s value of 0.10 is 0% at this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #694 out of 1521 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to BSPA and LSFG?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #694 out of 1521 companies for Equity-to-Asset. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Commercial National Financial (MI)'s value of 0.10 is 0% at this benchmark. Historically, Commercial National Financial (MI)'s own Equity-to-Asset has ranged from 0.06 to 0.10 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Commercial National Financial (MI) has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Equity-to-Asset is 0.10, which is 25% above median its own 10-year median of 0.08. 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 Equity-to-Asset is 0.10, which is 25% above median its 10-year median of 0.08 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Equity-to-Asset is 0.10 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:
Equity-to-Asset: 0.10 (25% above median its 10-year median of 0.08)
GF Value™: $10.25 vs. price of $15.60 (52.2% above fair value)
Industry Position: 0% at the Banks median (#694 of 1521)
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
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