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Commercial National Financial (MI)'s quarterly market cap
increased
from Dec. 2023 ($36.72 Mil) to Dec. 2024 ($39.06 Mil) and
increased
from Dec. 2024 ($39.06 Mil) to Dec. 2025 ($53.73 Mil).
Commercial National Financial (MI)'s annual market cap
increased
from Dec. 2023 ($36.72 Mil) to Dec. 2024 ($39.06 Mil) and
increased
from Dec. 2024 ($39.06 Mil) to Dec. 2025 ($53.73 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Commercial National Financial (MI)'s Enterprise Value for Today is $25.18 Mil.
Commercial National Financial (MI) (OTCPK:CEFC) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Commercial National Financial (MI) Market Cap Related Terms
Commercial National Financial (MI) Market Cap 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) Market Cap Chart
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Market Cap, along with its competitors' market caps and Market Cap 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) Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Market Cap distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Market Cap falls into.
Commercial National Financial (MI) Market Cap Calculation
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
* 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 Market Cap of $59.24 Mil as of Jul. 17, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Commercial National Financial (MI) and its competitors. According to the industry distribution chart, Commercial National Financial (MI) ranks #1365 out of 1544 companies in the Banks industry, placing it in the top 88.4%.
Is Commercial National Financial (MI)'s Market Cap too high?
Commercial National Financial (MI)'s current Market Cap is $59.24 Mil. The Banks industry median Market Cap is 719.44. Commercial National Financial (MI)'s value of $59.24 Mil is 91.8% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #1365 out of 1544 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Market Cap compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #1365 out of 1544 companies for Market Cap. This places Commercial National Financial (MI) in the lower half of its industry. The industry median Market Cap is 719.44. Commercial National Financial (MI)'s value of $59.24 Mil is 91.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 719.44, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current Market Cap of $59.24 Mil is 91.8% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Market Cap is 719.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Market Cap is $59.24 Mil. 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 Market Cap is $59.24 Mil and 91.8% below the Banks industry median of 719.44. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Market Cap is $59.24 Mil 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:
Market Cap: $59.24 Mil
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 91.8% below the Banks median (#1365 of 1544)
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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Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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