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Commercial National Financial (MI)CEFC 60 Median PS Value is $14.20 as of Jul. 17, 2026, which is 2085% above its 10-year median of 0.65. GuruFocus rates CEFC with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $10.26 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,041 Banks companies, Commercial National Financial (MI) ranks better than 57.54% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Commercial National Financial (MI)'s Median PS Value or its related term are showing as below:
CEFC'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.59 Med: 0.65 Max: 1.06
Current: 1.06
During the past 13 years, the highest Price to Median PS Value of Commercial National Financial (MI) was 1.06. The lowest was 0.59. And the median was 0.65.
CEFC's Price-to-Median-PS-Value is ranked better than 57.54% of 1041
companies
in the Banks industry
Industry Median: 1.14
vs CEFC: 1.06
Commercial National Financial (MI) (OTCPK:CEFC) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Commercial National Financial (MI)'s Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
15.05
/
14.20
=
1.06
* 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) Median PS Value Related Terms
Commercial National Financial (MI) Median PS Value 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) Median PS Value Chart
CEFC vs FMFG, BAOB, LFGP: Median PS Value Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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) Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.5204.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Commercial National Financial (MI)'s Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $5.634.
* 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 Median PS Value of $14.20 as of Jul. 17, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Commercial National Financial (MI) and its competitors. This is 2085% above median its historical median of 0.65. Over the past decade, Commercial National Financial (MI)'s Median PS Value has ranged from 0.59 to 1.06. According to the industry distribution chart, Commercial National Financial (MI) ranks #442 out of 1041 companies in the Banks industry, placing it in the top 42.5%.
Is Commercial National Financial (MI)'s Median PS Value too high?
Commercial National Financial (MI)'s current Median PS Value of $14.20 is 2085% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.06. The Banks industry median Median PS Value is 1.14. Commercial National Financial (MI)'s value of $14.20 is 1145.6% above this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #442 out of 1041 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial National Financial (MI) has a GF Scoreâ„¢ 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 Median PS Value compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #442 out of 1041 companies for Median PS Value. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median Median PS Value is 1.14. Commercial National Financial (MI)'s value of $14.20 is 1145.6% above this benchmark. Historically, Commercial National Financial (MI)'s own Median PS Value has ranged from 0.59 to 1.06 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.14, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.14, based on 1,041 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Median PS Value of $14.20 is 1145.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Median PS Value is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Median PS Value is $14.20, which is 2085% above median its own 10-year median of 0.65. 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 Median PS Value is $14.20, which is 2085% above median its 10-year median of 0.65 and 1145.6% above the Banks industry median of 1.14. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Median PS Value is $14.20 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:
Median PS Value: $14.20 (2085% above median its 10-year median of 0.65)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 1145.6% above the Banks median (#442 of 1041)
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
Get the complete analysis for CEFC
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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