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The historical rank and industry rank for Commercial National Financial (MI)'s Return-on-Tangible-Equity or its related term are showing as below:
CEFC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.04 Med: 13.05 Max: 20.9
Current: 6.04
During the past 13 years, Commercial National Financial (MI)'s highest Return-on-Tangible-Equity was 20.90%. The lowest was 6.04%. And the median was 13.05%.
CEFC's Return-on-Tangible-Equity is ranked worse than 79.1% of 1517
companies
in the Banks industry
Industry Median: 11.46
vs CEFC: 6.04
Commercial National Financial (MI) (OTCPK:CEFC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Commercial National Financial (MI) Return-on-Tangible-Equity Related Terms
Commercial National Financial (MI) Return-on-Tangible-Equity 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) Return-on-Tangible-Equity Chart
CEFC vs BSPA, LSFG, FMFG: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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) Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 0.00% mean?
Commercial National Financial (MI) (CEFC) has a Return-on-Tangible-Equity of 0.00% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Commercial National Financial (MI) and its competitors. Over the past decade, Commercial National Financial (MI)'s Return-on-Tangible-Equity has ranged from 6.04 to 20.90. According to the industry distribution chart, Commercial National Financial (MI) ranks #1200 out of 1517 companies in the Banks industry, placing it in the top 79.1%.
Is Commercial National Financial (MI)'s Return-on-Tangible-Equity too high?
Commercial National Financial (MI)'s current Return-on-Tangible-Equity is 0.00%. Over the past 10 years, this metric has ranged from a low of 6.04 to a high of 20.90. Based on the distribution chart, Commercial National Financial (MI) ranks #1200 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to BSPA and LSFG?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #1200 out of 1517 companies for Return-on-Tangible-Equity. This places Commercial National Financial (MI) in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.46. Historically, Commercial National Financial (MI)'s own Return-on-Tangible-Equity has ranged from 6.04 to 20.90 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.46, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current Return-on-Tangible-Equity is 0.00%. 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 $15.60 — trading 52.2% above its estimated fair value. The current Return-on-Tangible-Equity is 0.00%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Return-on-Tangible-Equity is 0.00% 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 $15.60 is trading 52.2% above its estimated GF Value™ of $10.25.
GuruFocus considers Commercial National Financial (MI) to be Significantly Overvalued.
Key valuation signals for CEFC:
Return-on-Tangible-Equity: 0.00%
GF Value™: $10.25 vs. price of $15.60 (52.2% above fair value)
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 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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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