CEFC (Commercial National Financial (MI)) Net Interest Income: $10.31 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 Interest Income?

Commercial National Financial (MI) CEFC +0.53% 56 Net Interest Income is $10.31 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 interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Commercial National Financial (MI)'s net interest income for the three months ended in Dec. 2025 was $0.00 Mil. Its net interest income for the trailing twelve months (TTM) ended in Dec. 2025 was $10.31 Mil.

Commercial National Financial (MI) Net Interest Income Related Terms

Commercial National Financial (MI) Net Interest Income Historical Data

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

Commercial National Financial (MI) Annual Data
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Commercial National Financial (MI) Quarterly Data
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CEFC
56GF Score
Commercial National Financial Corp (MI) CEFC
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income 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 $10.31 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.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of $10.31 Mil mean?
Commercial National Financial (MI) (CEFC) has a Net Interest Income of $10.31 Mil as of Dec. 2025.
Is Commercial National Financial (MI)'s Net Interest Income too high?
Commercial National Financial (MI)'s current Net Interest Income is $10.31 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 Interest Income compare to BSPA and LSFG?
Commercial National Financial (MI)'s Net Interest Income of $10.31 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 Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Commercial National Financial (MI)'s current Net Interest Income is $10.31 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 Interest Income is $10.31 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 Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Net Interest Income is $10.31 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 Interest Income: $10.31 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

Get the complete analysis for CEFC

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

$15.99
Price
$10.25
GF Value