CEFC (Commercial National Financial (MI)) YoY EPS Growth: 0.00% (As of Dec. 2025)

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CEFC Commercial National Financial Corp (MI) CEFC
56 GF Score
Price $15.60
GF Value $10.25
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Commercial National Financial (MI) YoY EPS Growth?

Commercial National Financial (MI) CEFC 56 YoY EPS Growth is 0.00% as of Dec. 2025. 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.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Commercial National Financial (MI)'s YoY EPS Growth for the quarter that ended in Dec. 2025 was 0.00%.

Commercial National Financial (MI)'s Earnings per Share (Diluted) for the six months ended in Dec. 2025 was $0.00.

Commercial National Financial (MI) YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Commercial National Financial (MI)'s YoY EPS Growth can be seen below:

* 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) YoY EPS Growth Chart

Commercial National Financial (MI) Annual Data
Trend Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 46.36 26.71 -23.53 -5.13 12.84

Commercial National Financial (MI) Semi-Annual Data
Dec98 Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec02 Jun03 Dec03 Jun04 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
YoY EPS Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
CEFC
56GF Score
Commercial National Financial Corp (MI) CEFC
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Commercial National Financial (MI)'s YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(1.67-1.48)/ | 1.48 |
=12.84 %

Commercial National Financial (MI)'s YoY EPS Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EPS Growth (Q: Dec. 2025 )
=(Earnings per Share (Diluted) (Q: Dec. 2025 )-Earnings per Share (Diluted) (Q: Dec. 2023 )) / | Earnings per Share (Diluted) (Q: Dec. 2023 )) |
=(0-0)/ | 0 |
=N/A %

* 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.

Frequently Asked Questions Learn more about YoY EPS Growth →
What does a YoY EPS Growth of 0.00% mean?
Commercial National Financial (MI) (CEFC) has a YoY EPS Growth of 0.00% as of Dec. 2025. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s YoY EPS Growth too high?
Commercial National Financial (MI)'s current YoY EPS Growth is 0.00%. 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 YoY EPS Growth compare to BSPA and LSFG?
Commercial National Financial (MI)'s YoY EPS Growth of 0.00% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EPS Growth for a Banks company?
A good YoY EPS Growth depends on the Banks industry context. However, YoY EPS Growth should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current YoY EPS Growth is 0.00%. 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 YoY EPS Growth is 0.00%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current YoY EPS Growth is 0.00% 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:

  • YoY EPS Growth: 0.00%
  • GF Value™: $10.25 vs. price of $15.60 (52.2% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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

Address 101 North Pine River Street, Ithaca, MI, USA, 48847
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

YoY EPS Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.60
Price
$10.25
GF Value