CEFC (Commercial National Financial (MI)) Insider Ownership: 11.44 % (As of Sep. 01, 2026)

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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) Insider Ownership?

Commercial National Financial (MI) CEFC 56 Insider Ownership is 11.44 % as of Sep. 01, 2026. 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.

Insider ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Commercial National Financial (MI)'s insider ownership is 11.44%.

Institutional Ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Commercial National Financial (MI)'s Institutional Ownership is 0.00%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Commercial National Financial (MI)'s Float Percentage Of Total Shares Outstanding is 0.00%.

Commercial National Financial (MI) Insider Ownership Historical Data

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The historical data trend for Commercial National Financial (MI)'s Insider Ownership 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) Insider Ownership Chart

Commercial National Financial (MI) Historical Data

The historical data trend for Commercial National Financial (MI) can be seen below:

2009-05-31 2009-06-30 2009-07-31 2009-08-31 2009-09-30 2009-10-31 2009-11-30 2009-12-31 2010-01-31 2010-02-28
Insider Ownership 11.44 11.44 11.44 11.44 11.44 11.44 11.44 11.44 11.44 11.44
CEFC
56GF Score
Commercial National Financial Corp (MI) CEFC
Insider Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Insider Ownership Calculation

The percentage of shares that are owned by company insiders relative to the total shares outstanding.

Frequently Asked Questions Learn more about Insider Ownership →
What does a Insider Ownership of 11.44 % mean?
Commercial National Financial (MI) (CEFC) has a Insider Ownership of 11.44 % as of Sep. 01, 2026. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s Insider Ownership too high?
Commercial National Financial (MI)'s current Insider Ownership is 11.44 %. 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 Insider Ownership compare to BSPA and LSFG?
Commercial National Financial (MI)'s Insider Ownership of 11.44 % 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 Insider Ownership for a Banks company?
A good Insider Ownership depends on the Banks industry context. However, Insider Ownership 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 Insider Ownership mean?
A high Insider Ownership can signal that a stock is expensive relative to its fundamentals. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current Insider Ownership is 11.44 %. 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 Insider Ownership is 11.44 %. 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 Insider Ownership calculated?
Insider Ownership is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Insider Ownership is 11.44 % as of Sep. 01, 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 $15.60 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:

  • Insider Ownership: 11.44 %
  • 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

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

$15.60
Price
$10.25
GF Value