What is Commercial National Financial Corporation (CEFC)?

Commercial National Financial Corporation (CEFC) is a stock in the Financial Services sector, Banks - Regional industry. View full analysis on Stocks360.

What is the current price of CEFC?

The current price of CEFC is $15.85. Prices are updated in real time on Stocks360.

What is CEFC's price-to-earnings (PE) ratio?

CEFC's trailing twelve-month PE ratio is 9.11, based on current price and earnings per share data available on Stocks360.

What is CEFC's market capitalization?

CEFC's market capitalization is $62,850,005.00, placing it in the small-cap tier.

Does CEFC pay a dividend?

Yes. CEFC has a trailing twelve-month dividend yield of 0.04%. Dividend data is sourced from financial market providers and displayed on Stocks360.

Commercial National Financial Corporation (CEFC)

Stock analysis · OTC · Financial Services · Banks - Regional

$15.85

Market Cap

$62.85M

PE (TTM)

9.11

EPS (TTM)

N/A

Dividend Yield

3.72%

Beta

0.45

Day Range

$15.85 – $15.85

52-wk Range

$12.18 – $17.00

Avg Volume

N/A

Volume

1.70K

Commercial National Financial Corporation (CEFC) is a publicly traded company in the Financial Services sector. Latest price: $15.85. Market cap $62.85M. Trailing PE 9.11. Dividend yield 3.72%. Sign in to Stocks360 for full DCF valuation, fundamentals, technicals, and AI-driven analysis.

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1-Year Price

2025-10-29 · $12.25 2026-10-28 · $15.85 (+29.39%)

Proprietary Signals

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About Commercial National Financial Corporation

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural and commercial businesses, and light industries in Michigan. It accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. The company offers personal loan products, such as automobile, recreational vehicle, boat, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including business lines of credit, SBA loans, equipment lines of credit, real estate loans, USDA loan programs, and capital access loan programs. It also provides treasury management services comprising merchant, automated clearing houses and remote deposit services; debit, credit, and ATM cards; and online services consisting of online bill pay, and mobile, online, and telephone banking. The company provides its services through offices located in Barry, Gratiot, Ingham, Montcalm, and Ottawa counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Mi…

Valuation

Trailing twelve months. Multiples relative to current market price.
P/E (TTM)	9.11×
P/S (TTM)	2.23×
P/B	1.13×
PEG	3.08×
P/FCF (TTM)	0.00×
EV / EBITDA	5.24×
EV / Sales	1.55×
Earnings Yield	11.10%
Free Cash Flow Yield	0.00%
Dividend Yield	3.72%

Fundamentals

Trailing twelve months. Source: financial statements via market data.
Enterprise Value	$43.51M
Revenue (TTM)	$28.12M
Net Income (TTM)	$6.98M
Free Cash Flow (TTM)	$4.22M
Net Debt	-$19.34M
Working Capital	$37.65M
Gross Margin	81.99%
Operating Margin	29.50%
Net Margin	24.26%
Return on Equity	12.20%
Return on Invested Capital	1.21%