CEFC (Commercial National Financial (MI)) ROCE %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CEFC Commercial National Financial Corp (MI) CEFC
60 GF Score
Price $15.05
GF Value $10.26
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Commercial National Financial (MI) ROCE %?

Commercial National Financial (MI) CEFC 60 ROCE % is % as of Dec. 2025. 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.

ROCE % does not apply to banks and insurance companies.

CEFC
60GF Score
Commercial National Financial Corp (MI) CEFC
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Commercial National Financial (MI) (CEFC) has a ROCE % of % as of Dec. 2025.
Is Commercial National Financial (MI)'s ROCE % too high?
Commercial National Financial (MI)'s current ROCE % is %. 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 ROCE % compare to FMFG and BAOB?
Commercial National Financial (MI)'s ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.08. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.08, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current ROCE % is % 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:

  • ROCE %: %
  • GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
  • GF Score™: 60/100 with 5 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.
60GF Score

Get the complete analysis for CEFC

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

$15.05
Price
$10.26
GF Value