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What is Commercial National Financial (MI) PS Ratio?
Commercial National Financial (MI)CEFC 60 PS Ratio is 2.67 as of Jul. 17, 2026, which is 26% above its 10-year median of 2.12. 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 1,517 Banks companies, Commercial National Financial (MI) ranks better than 58.6% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Commercial National Financial (MI)'s share price is $15.05.
Commercial National Financial (MI)'s Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $5.63. Hence, Commercial National Financial (MI)'s PS Ratio for today is 2.67.
Warning Sign:
Commercial National Financial Corp (MI) stock PS Ratio (=2.67) is close to 10-year high of 2.73.
During the past 13 years, Commercial National Financial (MI)'s highest 3-Year average Revenue per Share Growth Rate was 101.10% per year. The lowest was -35.20% per year. And the median was 12.30% per year.
Back to Basics: PS Ratio
Commercial National Financial (MI) (OTCPK:CEFC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Commercial National Financial (MI) PS Ratio Related Terms
Commercial National Financial (MI) PS Ratio 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.
For the Banks - Regional subindustry, Commercial National Financial (MI)'s PS Ratio, along with its competitors' market caps and PS Ratio 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) PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s PS Ratio distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s PS Ratio falls into.
Commercial National Financial (MI) PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Commercial National Financial (MI)'s Share Price of today is $15.05.
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 $5.63.
* 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.
It can also be calculated from the numbers for the whole company:
Commercial National Financial (MI) (CEFC) has a PS Ratio of 2.67 as of Jul. 17, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Commercial National Financial (MI) and its competitors. This is 26% above median its historical median of 2.12. Over the past decade, Commercial National Financial (MI)'s PS Ratio has ranged from 1.36 to 2.73. According to the industry distribution chart, Commercial National Financial (MI) ranks #628 out of 1517 companies in the Banks industry, placing it in the top 41.4%.
Is Commercial National Financial (MI)'s PS Ratio too high?
Commercial National Financial (MI)'s current PS Ratio of 2.67 is 26% above median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 1.36 to a high of 2.73. The Banks industry median PS Ratio is 3.06. Commercial National Financial (MI)'s value of 2.67 is 12.7% below this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #628 out of 1517 companies in the Banks industry, which is above 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 PS Ratio compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #628 out of 1517 companies for PS Ratio. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median PS Ratio is 3.06. Commercial National Financial (MI)'s value of 2.67 is 12.7% below this benchmark. Historically, Commercial National Financial (MI)'s own PS Ratio has ranged from 1.36 to 2.73 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current PS Ratio of 2.67 is 12.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current PS Ratio is 2.67, which is 26% above median its own 10-year median of 2.12. 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 PS Ratio is 2.67, which is 26% above median its 10-year median of 2.12 and 12.7% below the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current PS Ratio is 2.67 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:
PS Ratio: 2.67 (26% above median its 10-year median of 2.12)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 12.7% below the Banks median (#628 of 1517)
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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