CEFC (Commercial National Financial (MI)) Tariff Resilience Score: 8/10 (As of Jul. 17, 2026)

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CEFC Commercial National Financial Corp (MI) CEFC
60 GF Score
Price $15.51
GF Value $10.26
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Commercial National Financial (MI) Tariff Resilience Score?

Commercial National Financial (MI) CEFC +3.06% 60 Tariff Resilience Score is 8 as of Jul. 17, 2026. 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 1,606 Banks companies, Commercial National Financial (MI) ranks better than 78.7% on this metric.

Commercial National Financial (MI) has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Commercial National Financial (MI) has Primarily a regional bank with minimal exposure to international trade. Limited global supply chain dependencies and negligible import/export activities reduce tariff vulnerability.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Commercial National Financial (MI) might have Highly Resilient.

Commercial National Financial (MI)  (OTCPK:CEFC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Commercial National Financial (MI) Tariff Resilience Score Related Terms

CEFC vs FMFG, BAOB, LFGP: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Commercial National Financial (MI)'s Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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) Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Commercial National Financial (MI)'s Tariff Resilience Score falls into.


CEFC
60GF Score
Commercial National Financial Corp (MI) CEFC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Commercial National Financial (MI) (CEFC) has a Tariff Resilience Score of 8 as of Jul. 17, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Commercial National Financial (MI) ranks #342 out of 1606 companies in the Banks industry, placing it in the top 21.3%.
Is Commercial National Financial (MI)'s Tariff Resilience Score too high?
Commercial National Financial (MI)'s current Tariff Resilience Score is 8. Based on the distribution chart, Commercial National Financial (MI) ranks #342 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #342 out of 1606 companies for Tariff Resilience Score. This places Commercial National Financial (MI) in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Commercial National Financial (MI)'s current Tariff Resilience Score is 8. 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 $15.51 — trading 51.2% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current Tariff Resilience Score is 8 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 $15.51 is trading 51.2% above its estimated GF Value™ of $10.26. GuruFocus considers Commercial National Financial (MI) to be Significantly Overvalued.

Key valuation signals for CEFC:

  • Tariff Resilience Score: 8
  • GF Value™: $10.26 vs. price of $15.51 (51.2% 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

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

$15.51
Price
$10.26
GF Value