Commercial National Financial (CEFC) Stock Price, News & Analysis

Company Overview

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services. It provides its services through offices located in Barry, Gratiot, Ingham, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.

Key Stats

• Today's Range: $10.25 to $10.25
• 50-Day Range: $9.50 to $10.49
• 52-Week Range: $8.35 to $10.94
• Volume: 350 shs
• Average Volume: 463 shs
• Market Capitalization: $40.64 million
• P/E Ratio: 7.43
• Dividend Yield: 5.46%
• Price Target: N/A
• Consensus Rating: N/A

Commercial National Financial Stock Analysis - MarketRank™

Commercial National Financial scored higher than 58% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Commercial National Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Commercial National Financial is 7.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 109.49.

Price to Earnings Ratio vs. Sector

The P/E ratio of Commercial National Financial is 7.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.62.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Commercial National Financial have been sold short.

Short Interest Ratio / Days to Cover

Commercial National Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Commercial National Financial has recently decreased by 80.00%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Commercial National Financial is a leading dividend payer. It pays a dividend yield of 5.48%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Commercial National Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Commercial National Financial is 40.58%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Commercial National Financial have been sold short.

Short Interest Ratio / Days to Cover

Commercial National Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Commercial National Financial has recently decreased by 80.00%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: N/A

News Sentiment

Commercial National Financial has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.68 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Commercial National Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Commercial National Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

23.00% of the stock of Commercial National Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

CEFC Stock Analysis - Frequently Asked Questions

How have CEFC shares performed this year?

Commercial National Financial's stock was trading at $9.85 at the start of the year. Since then, CEFC shares have increased by 4.1% and is now trading at $10.25.
View the best growth stocks for 2025 here.

How were Commercial National Financial's earnings last quarter?

Commercial National Financial Co. (OTCMKTS:CEFC) posted its quarterly earnings results on Friday, October, 25th. The company reported $0.36 earnings per share (EPS) for the quarter. The firm earned $5.23 million during the quarter.

How do I buy shares of Commercial National Financial?

Shares of CEFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Commercial National Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Commercial National Financial investors own include Aflac (AFL), Cinemark (CNK), Cheniere Energy (LNG), SLR Investment (SLRC), AT&T (T), Teekay LNG Partners (TGP-PA) and United-Guardian (UG).

Company Calendar

• Last Earnings: 10/25/2024
• Ex-Dividend for 1/2 Dividend: 12/13/2024
• Dividend Payable: 1/02/2025
• Today: 1/15/2025
• Next Earnings (Estimated): 1/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:CEFC
• CUSIP: N/A
• CIK: 828535
• Web: www.commercial-bank.com
• Phone: (989) 875-4144
• Fax: 517-875-4534
• Employees: 95
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.38
• Trailing P/E Ratio: 7.43
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.17 million
• Net Margins: 18.88%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $27.39 million
• Price / Sales: 1.48
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 3,965,000
• Free Float: 3,053,000
• Market Cap: $40.64 million
• Optionable: Not Optionable
• Beta: 0.48