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What is Commercial National Financial (MI) EV-to-FCF?
Commercial National Financial (MI)CEFC 60 EV-to-FCF is 4.02 as of Jul. 17, 2026, which is 19% below its 10-year median of 4.98. 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 1,194 Banks companies, Commercial National Financial (MI) ranks better than 61.56% on this metric.
CEFC'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.01 Med: 4.98 Max: 11.56
Current: 4.02
During the past 13 years, the highest EV-to-FCF of Commercial National Financial (MI) was 11.56. The lowest was -1.01. And the median was 4.98.
CEFC's EV-to-FCF is ranked better than 61.56% of 1194
companies
in the Banks industry
Industry Median: 6.725
vs CEFC: 4.02
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Commercial National Financial (MI) EV-to-FCF Related Terms
Commercial National Financial (MI) EV-to-FCF 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-FCF Chart
For the Banks - Regional subindustry, Commercial National Financial (MI)'s EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s EV-to-FCF falls into.
Commercial National Financial (MI)'s current Enterprise Value is $25.18 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Commercial National Financial (MI)'s Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $6.26 Mil.
* 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-FCF of 4.02 as of Jul. 17, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Commercial National Financial (MI) and its competitors. This is 19% below median its historical median of 4.98. According to the industry distribution chart, Commercial National Financial (MI) ranks #459 out of 1194 companies in the Banks industry, placing it in the top 38.4%.
Is Commercial National Financial (MI)'s EV-to-FCF too high?
Commercial National Financial (MI)'s current EV-to-FCF of 4.02 is 19% below median its 10-year median of 4.98. The Banks industry median EV-to-FCF is 6.73. Commercial National Financial (MI)'s value of 4.02 is 40.2% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #459 out of 1194 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 EV-to-FCF compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #459 out of 1194 companies for EV-to-FCF. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median EV-to-FCF is 6.73. Commercial National Financial (MI)'s value of 4.02 is 40.2% below this benchmark. While the company's 10-year median is 4.98 vs. the industry median of 6.73, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.73, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 4.02 is 40.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median EV-to-FCF is 6.73 — 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-FCF is 4.02, which is 19% below median its own 10-year median of 4.98. 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-FCF is 4.02, which is 19% below median its 10-year median of 4.98 and 40.2% below the Banks industry median of 6.73. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current EV-to-FCF is 4.02 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-FCF: 4.02 (19% below median its 10-year median of 4.98)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 40.2% below the Banks median (#459 of 1194)
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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