CEFC (Commercial National Financial (MI)) Shares Buyback Ratio %: 0.00 (As of Sep. 01, 2026)

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CEFC Commercial National Financial Corp (MI) CEFC
56 GF Score
Price $15.60
GF Value $10.25
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Commercial National Financial (MI) Shares Buyback Ratio %?

Commercial National Financial (MI) CEFC 56 Shares Buyback Ratio % is 0.00 as of Sep. 01, 2026. 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.

Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.

GuruFocus calculates shares buyback ratio using previous shares outstanding minus the current shares outstanding, and then divides by previous shares outstanding. Commercial National Financial (MI)'s current shares buyback ratio was 0.00%.

Commercial National Financial (MI) Shares Buyback Ratio % Related Terms

Commercial National Financial (MI) Shares Buyback Ratio % Historical Data

* Premium members only.

The historical data trend for Commercial National Financial (MI)'s Shares Buyback Ratio % 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) Shares Buyback Ratio % Chart

Commercial National Financial (MI) Annual Data
Trend Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shares Buyback Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.73

Commercial National Financial (MI) Semi-Annual Data
Dec98 Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec02 Jun03 Dec03 Jun04 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
Shares Buyback Ratio % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.73 0.00
CEFC
56GF Score
Commercial National Financial Corp (MI) CEFC
Shares Buyback Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial National Financial (MI) Shares Buyback Ratio % Calculation

Commercial National Financial (MI)'s Shares Buyback Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Dec. 2024 ) - Shares Outstanding (EOP) (A: Dec. 2025 )) / Shares Outstanding (EOP) (A: Dec. 2024 )
=(3.965 - 3.936) / 3.965
=0.73%

Commercial National Financial (MI)'s Shares Buyback Ratio for the quarter that ended in Dec. 2025 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Dec. 2024 ) - Shares Outstanding (EOP) (A: Dec. 2025 )) / Shares Outstanding (EOP) (A: Dec. 2024 )
=(3.965 - 3.936) / 3.965
=0.73%

* 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 Shares Buyback Ratio % →
What does a Shares Buyback Ratio % of 0.00 mean?
Commercial National Financial (MI) (CEFC) has a Shares Buyback Ratio % of 0.00 as of Sep. 01, 2026. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on Commercial National Financial (MI) and its competitors.
Is Commercial National Financial (MI)'s Shares Buyback Ratio % too high?
Commercial National Financial (MI)'s current Shares Buyback Ratio % is 0.00. 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 Shares Buyback Ratio % compare to BSPA and LSFG?
Commercial National Financial (MI)'s Shares Buyback Ratio % of 0.00 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 Shares Buyback Ratio % for a Banks company?
A good Shares Buyback Ratio % depends on the Banks industry context. However, Shares Buyback Ratio % 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 Shares Buyback Ratio % mean?
A high Shares Buyback Ratio % can signal that a stock is expensive relative to its fundamentals. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on Commercial National Financial (MI) and its competitors. Commercial National Financial (MI)'s current Shares Buyback Ratio % 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 Shares Buyback Ratio % 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 Shares Buyback Ratio % calculated?
Shares Buyback Ratio % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Shares Buyback Ratio % is 0.00 as of Sep. 01, 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 $15.60 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:

  • Shares Buyback Ratio %: 0.00
  • GF Value™: $10.25 vs. price of $15.60 (52.2% 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

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

$15.60
Price
$10.25
GF Value