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What is Commercial National Financial (MI) FCF Margin %?
Commercial National Financial (MI)CEFC 60 FCF Margin % is 28.10% as of Dec. 2025, which is 0% above its 10-year median of 27.97. 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 1,504 Banks companies, Commercial National Financial (MI) ranks better than 52.66% on this metric.
* 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) FCF Margin % Chart
For the Banks - Regional subindustry, Commercial National Financial (MI)'s FCF Margin %, along with its competitors' market caps and FCF Margin % 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) FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s FCF Margin % 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 FCF Margin % of 28.10% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial National Financial (MI) and its competitors. This is near median its historical median of 27.97. Over the past decade, Commercial National Financial (MI)'s FCF Margin % has ranged from 22.85 to 35.33. According to the industry distribution chart, Commercial National Financial (MI) ranks #712 out of 1504 companies in the Banks industry, placing it in the top 47.3%.
Is Commercial National Financial (MI)'s FCF Margin % too high?
Commercial National Financial (MI)'s current FCF Margin % of 28.10% is near median its 10-year median of 27.97. Over the past 10 years, this metric has ranged from a low of 22.85 to a high of 35.33. The Banks industry median FCF Margin % is 26.56. Commercial National Financial (MI)'s value of 28.10% is 5.8% above this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #712 out of 1504 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 FCF Margin % compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #712 out of 1504 companies for FCF Margin %. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median FCF Margin % is 26.56. Commercial National Financial (MI)'s value of 28.10% is 5.8% above this benchmark. Historically, Commercial National Financial (MI)'s own FCF Margin % has ranged from 22.85 to 35.33 over the past decade. While the company's 10-year median is 27.97 vs. the industry median of 26.56, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.56, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current FCF Margin % of 28.10% is 5.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median FCF Margin % is 26.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current FCF Margin % is 28.10%, which is near median its own 10-year median of 27.97. 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 FCF Margin % is 28.10%, which is near median its 10-year median of 27.97 and 5.8% above the Banks industry median of 26.56. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current FCF Margin % is 28.10% 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 $15.05 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:
FCF Margin %: 28.10% (near median its 10-year median of 27.97)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 5.8% above the Banks median (#712 of 1504)
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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