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What is Commercial National Financial (MI) OCF Margin %?
Commercial National Financial (MI)CEFC 60 OCF Margin % is 28.94% as of Dec. 2025, which is 15% below its 10-year median of 34.01. GuruFocus rates CEFC with a GF Score™ of 60/100 and a GF Value™ of $10.26 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,500 Banks companies, Commercial National Financial (MI) ranks worse than 51.33% on this metric.
* 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) OCF Margin % Chart
For the Banks - Regional subindustry, Commercial National Financial (MI)'s OCF Margin %, along with its competitors' market caps and OCF Margin % 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) OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s OCF Margin % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s OCF Margin % falls into.
* 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 OCF Margin % of 28.94% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial National Financial (MI) and its competitors. This is 15% below median its historical median of 34.01. Over the past decade, Commercial National Financial (MI)'s OCF Margin % has ranged from 27.20 to 41.54. According to the industry distribution chart, Commercial National Financial (MI) ranks #770 out of 1500 companies in the Banks industry, placing it in the top 51.3%.
Is Commercial National Financial (MI)'s OCF Margin % too high?
Commercial National Financial (MI)'s current OCF Margin % of 28.94% is 15% below median its 10-year median of 34.01. Over the past 10 years, this metric has ranged from a low of 27.20 to a high of 41.54. The Banks industry median OCF Margin % is 29.49. Commercial National Financial (MI)'s value of 28.94% is 1.8% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #770 out of 1500 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #770 out of 1500 companies for OCF Margin %. This places Commercial National Financial (MI) in the lower half of its industry. The industry median OCF Margin % is 29.49. Commercial National Financial (MI)'s value of 28.94% is 1.8% below this benchmark. Historically, Commercial National Financial (MI)'s own OCF Margin % has ranged from 27.20 to 41.54 over the past decade. While the company's 10-year median is 34.01 vs. the industry median of 29.49, Commercial National Financial (MI) has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.49, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current OCF Margin % of 28.94% is 1.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median OCF Margin % is 29.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current OCF Margin % is 28.94%, which is 15% below median its own 10-year median of 34.01. 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 OCF Margin % is 28.94%, which is 15% below median its 10-year median of 34.01 and 1.8% below the Banks industry median of 29.49. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current OCF Margin % is 28.94% 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 $15.05 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:
OCF Margin %: 28.94% (15% below median its 10-year median of 34.01)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 1.8% below the Banks median (#770 of 1500)
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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