CEFC (Commercial National Financial (MI)) Net Income From Continuing Operations: $3.32 Mil (TTM As of Dec. 2025)

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CEFC Commercial National Financial Corp (MI) CEFC
56 GF Score
Price $15.99
GF Value $10.25
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Commercial National Financial (MI) Net Income From Continuing Operations?

Commercial National Financial (MI) CEFC 56 Net Income From Continuing Operations is $3.32 Mil 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.

Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. Commercial National Financial (MI)'s net income from continuing operations for the three months ended in Dec. 2025 was $1.78 Mil. Its net income from continuing operations for the trailing twelve months (TTM) ended in Dec. 2025 was $3.32 Mil.


Commercial National Financial (MI) Net Income From Continuing Operations Historical Data

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The historical data trend for Commercial National Financial (MI)'s Net Income From Continuing Operations 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) Net Income From Continuing Operations Chart

Commercial National Financial (MI) Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Income From Continuing Operations
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.37 8.08 6.17 5.86 6.61

Commercial National Financial (MI) Quarterly Data
Dec98 Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec02 Jun03 Dec03 Jun04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
Net Income From Continuing Operations 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 1.91 1.46 1.88 1.78 1.64
CEFC
56GF Score
Commercial National Financial Corp (MI) CEFC
Net Income From Continuing Operations is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Net Income From Continuing Operations Calculation

Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.

Net Income From Continuing Operations for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.32 Mil.

* 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.

What does a Net Income From Continuing Operations of $3.32 Mil mean?
Commercial National Financial (MI) (CEFC) has a Net Income From Continuing Operations of $3.32 Mil as of Dec. 2025. The total net income from continuing operations as record on a company's cash-flow statement. View historical data for Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s Net Income From Continuing Operations too high?
Commercial National Financial (MI)'s current Net Income From Continuing Operations is $3.32 Mil. 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 Net Income From Continuing Operations compare to BSPA and LSFG?
Commercial National Financial (MI)'s Net Income From Continuing Operations of $3.32 Mil 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 Net Income From Continuing Operations for a Banks company?
A good Net Income From Continuing Operations depends on the Banks industry context. However, Net Income From Continuing Operations 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 Net Income From Continuing Operations mean?
A high Net Income From Continuing Operations can signal that a stock is expensive relative to its fundamentals. The total net income from continuing operations as record on a company's cash-flow statement. View historical data for Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current Net Income From Continuing Operations is $3.32 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 $10.25, compared to a current price of $15.99 — trading 56% above its estimated fair value. The current Net Income From Continuing Operations is $3.32 Mil. 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 Net Income From Continuing Operations calculated?
Net Income From Continuing Operations is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Net Income From Continuing Operations is $3.32 Mil 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 $15.99 is trading 56% above its estimated GF Value™ of $10.25. GuruFocus considers Commercial National Financial (MI) to be Significantly Overvalued.

Key valuation signals for CEFC:

  • Net Income From Continuing Operations: $3.32 Mil
  • GF Value™: $10.25 vs. price of $15.99 (56% 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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Net Income From Continuing Operations is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.99
Price
$10.25
GF Value