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Commercial National Financial (MI)CEFC 60 5-Year Yield-on-Cost % is 3.85 as of Jul. 17, 2026, which is 28% below its 10-year median of 5.33. 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 1,255 Banks companies, Commercial National Financial (MI) ranks better than 50.36% on this metric.
The historical rank and industry rank for Commercial National Financial (MI)'s 5-Year Yield-on-Cost % or its related term are showing as below:
CEFC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.72 Med: 5.33 Max: 7.21
Current: 3.85
During the past 13 years, Commercial National Financial (MI)'s highest Yield on Cost was 7.21. The lowest was 3.72. And the median was 5.33.
CEFC's 5-Year Yield-on-Cost % is ranked better than 50.36% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs CEFC: 3.85
Commercial National Financial (MI) (OTCPK:CEFC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Commercial National Financial (MI) 5-Year Yield-on-Cost % Related Terms
CEFC vs FMFG, BAOB, LFGP: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Commercial National Financial (MI)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial National Financial (MI)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Commercial National Financial (MI)'s 5-Year Yield-on-Cost % falls into.
Commercial National Financial (MI) 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Commercial National Financial (MI) (CEFC) has a 5-Year Yield-on-Cost % of 3.85 as of Jul. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commercial National Financial (MI) and its competitors. This is 28% below median its historical median of 5.33. Over the past decade, Commercial National Financial (MI)'s 5-Year Yield-on-Cost % has ranged from 3.72 to 7.21. According to the industry distribution chart, Commercial National Financial (MI) ranks #623 out of 1255 companies in the Banks industry, placing it in the top 49.6%.
Is Commercial National Financial (MI)'s 5-Year Yield-on-Cost % too high?
Commercial National Financial (MI)'s current 5-Year Yield-on-Cost % of 3.85 is 28% below median its 10-year median of 5.33. Over the past 10 years, this metric has ranged from a low of 3.72 to a high of 7.21. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Commercial National Financial (MI)'s value of 3.85 is 0% at this industry median. Based on the distribution chart, Commercial National Financial (MI) ranks #623 out of 1255 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 5-Year Yield-on-Cost % compare to FMFG and BAOB?
According to the Banks industry distribution chart, Commercial National Financial (MI) ranks #623 out of 1255 companies for 5-Year Yield-on-Cost %. This puts Commercial National Financial (MI) in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Commercial National Financial (MI)'s value of 3.85 is 0% at this benchmark. Historically, Commercial National Financial (MI)'s own 5-Year Yield-on-Cost % has ranged from 3.72 to 7.21 over the past decade. While the company's 10-year median is 5.33 vs. the industry median of 3.85, Commercial National Financial (MI) has consistently been at 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial National Financial (MI)'s current 5-Year Yield-on-Cost % of 3.85 is 0% at 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commercial National Financial (MI) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial National Financial (MI)'s current 5-Year Yield-on-Cost % is 3.85, which is 28% below median its own 10-year median of 5.33. 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 5-Year Yield-on-Cost % is 3.85, which is 28% below median its 10-year median of 5.33 and 0% at the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Commercial National Financial (MI) (CEFC), the current 5-Year Yield-on-Cost % is 3.85 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:
5-Year Yield-on-Cost %: 3.85 (28% below median its 10-year median of 5.33)
GF Value™: $10.26 vs. price of $15.05 (46.7% above fair value)
Industry Position: 0% at the Banks median (#623 of 1255)
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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