Commercial National Financial Corporation (CEFC) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 9.13 means the share price is 9.13 times one year of earnings per share; the S&P 500 usually sits near 20-25.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCommercial National Financial Corporation (CEFC) trades at $15.98 with MoonshotScore 50/100 (Grade B). Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for CEFC: CEFC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CEFC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
CEFC: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Commercial National Financial Corporation (CEFC) Financial Services Profile
Commercial National Financial Corporation (CEFC) is a regional bank holding company in Michigan, offering a diverse suite of banking products and services tailored to individuals and businesses, with a strong emphasis on community banking and personalized service.
What Is the Investment Thesis for CEFC?
With a market capitalization of $0.06 billion and a P/E ratio of 9.13, CEFC is positioned for growth, particularly as it expands its product offerings and enhances its service delivery. The bank's focus on agricultural and commercial lending, combined with its established presence in Michigan, provides a robust foundation for future revenue growth. Additionally, the ongoing trend of increasing demand for personalized banking services in local markets presents a favorable environment for CEFC to capture market share. The bank's strong dividend yield of 6.07% further enhances its attractiveness to income-focused investors. However, potential risks include market volatility and regulatory challenges inherent in the financial services industry, which could impact its operational stability and growth trajectory.
Based on FMP financials and quantitative analysis
CEFC Key Highlights
Market capitalization of $0.06 billion reflects a stable position in the regional banking sector.
- P/E ratio of 9.13 indicates a valuation that may appeal to value investors.
- Profit margin of 11.5% showcases effective cost management and operational efficiency.
- Gross margin of 92.9% highlights the bank's strong revenue generation capabilities.
- Dividend yield of 6.07% offers attractive income potential for investors.
Who Are CEFC's Competitors?
CEFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $18.25 | -0.03% | $6.50B | 835-pillar |
| CFR Cullen/Frost Bankers, Inc. | $162.66 | +0.48% | $10.1B | 835-pillar |
| BUSE First Busey Corporation | $30.38 | +0.56% | $2.57B | 805-pillar |
| PBCT People's United Financial, Inc. | $19.41 | 0.00% | — | |
| USB U.S. Bancorp | $62.85 | +0.71% | $97.9B | 945-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $83.86 | +3.24% | $39.6B | 985-pillar |
| BBD Banco Bradesco S.A. | $3.58 | +4.37% | $37.9B | 945-pillar |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CEFC's Key Strengths?
Established brand with over a century of experience in banking.
- Strong profit margins and efficient operations.
- Diverse product offerings catering to various customer segments.
- Community-focused approach enhances customer loyalty.
What Are CEFC's Weaknesses?
Limited geographic presence compared to larger banks.
- Potential vulnerability to economic downturns affecting local markets.
- Dependence on the Michigan economy for growth and stability.
- Lower trading volume due to OTC market classification.
What Could Drive CEFC Stock Higher?
Expansion of digital banking services to attract younger demographics.
- Strong community engagement initiatives driving customer loyalty.
- Diversification of loan products to meet evolving customer needs.
- Potential partnerships with local businesses to enhance service offerings.
- Focus on agricultural lending to capture growth in the sector.
What Are the Key Risks for CEFC?
Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan demand and credit quality.
- Regulatory challenges that could impact operational costs.
- Increased competition from larger banks and fintech companies.
- Market volatility impacting investor confidence and stock performance.
What Are the Growth Opportunities for CEFC?
- Expansion of Agricultural Lending: CEFC has the opportunity to grow its agricultural lending portfolio, which serves a vital market segment in Michigan. The agricultural sector in the U.S. is projected to reach $1 trillion by 2026, driven by increasing demand for food and agricultural products. By enhancing its services tailored to farmers and agribusinesses, CEFC can capture a larger share of this growing market.
- Digital Banking Services: As consumer preferences shift towards online banking solutions, CEFC can invest in enhancing its digital banking capabilities. The digital banking market is expected to grow at a CAGR of 7% over the next five years, providing CEFC with an opportunity to attract tech-savvy customers and improve operational efficiency through digital platforms.
- Increased Commercial Lending: With a focus on small to medium-sized enterprises (SMEs) in Michigan, CEFC can expand its commercial lending services. The SME lending market is projected to grow significantly, driven by increasing entrepreneurship and business formation. By offering tailored loan products and services, CEFC can strengthen its position in this lucrative segment.
- Treasury Management Services: CEFC can enhance its treasury management offerings to attract larger businesses seeking comprehensive financial solutions. The treasury management services market is expected to grow by 5% annually, presenting an opportunity for CEFC to diversify its revenue streams and deepen relationships with commercial clients.
- Community Engagement Initiatives: By investing in community engagement and local sponsorships, CEFC can strengthen its brand presence and customer loyalty. Community-focused initiatives can lead to increased deposits and customer retention, contributing to overall growth in the regional banking sector.
What Are CEFC's Competitive Advantages?
- Strong local presence with a deep understanding of the Michigan market.
- Personalized customer service that differentiates CEFC from larger banks.
- Established relationships with local businesses and agricultural sectors.
- Diversified product offerings tailored to meet the needs of various customer segments.
- Long-standing history and reputation in the community, fostering trust and loyalty.
What Does CEFC Do?
Founded in 1893, Commercial National Financial Corporation (CEFC) serves as the holding company for Commercial Bank, providing a variety of financial services primarily in Michigan. With a focus on community banking, CEFC has established a strong presence through its 12 branches located in counties such as Barry, Gratiot, Ingham, Isabella, Kent, and Montcalm. The bank offers a comprehensive array of deposit products, including checking accounts, savings accounts, individual retirement accounts, and health savings accounts, catering to the diverse needs of its customers. Additionally, CEFC provides personal loan products such as automobile loans, recreational vehicle loans, and home equity loans, as well as a range of business loans, including SBA loans and capital access loan programs. The company's commitment to customer service is evident in its array of services, which include online banking, merchant services, and treasury services. CEFC has positioned itself as a trusted financial partner for individuals, agricultural businesses, and commercial entities, leveraging its long-standing history and local expertise to foster strong relationships within the communities it serves. As a regional bank, CEFC emphasizes personalized service and community engagement, distinguishing itself in a competitive landscape dominated by larger financial institutions.
What Products and Services Does CEFC Offer?
- Provide a range of deposit products, including checking and savings accounts.
- Offer personal loan products such as automobile and home equity loans.
- Extend various business loans, including SBA and equipment loans.
- Facilitate online banking and mobile banking services for customer convenience.
- Deliver treasury services and merchant services to business clients.
- Engage in community-focused initiatives to enhance local presence and customer relationships.
How Does CEFC Make Money?
- Generate revenue through interest income from loans and mortgages.
- Collect fees from various banking services, including account maintenance and transaction fees.
- Offer treasury and merchant services for business clients, creating additional revenue streams.
- Leverage customer deposits to fund lending activities, maintaining a healthy loan-to-deposit ratio.
- Focus on community engagement to attract and retain customers, fostering long-term relationships.
What Industry Does CEFC Operate In?
The regional banking industry is characterized by a focus on community engagement and personalized service, with banks like Commercial National Financial Corporation (CEFC) playing a crucial role in local economies. As financial services continue to evolve, there is a growing trend towards digital banking solutions, which presents both opportunities and challenges for traditional banks. The regional banking sector is projected to grow at a rate of approximately 3% annually, driven by increasing consumer demand for tailored financial products and services. CEFC's strong local presence and diversified offerings position it well to capitalize on these industry trends, although competition from larger financial institutions and fintech companies remains a significant challenge.
Who Are CEFC's Key Customers?
- Individuals seeking personal banking services, including loans and savings accounts.
- Agricultural businesses requiring specialized financial products and services.
- Small to medium-sized enterprises (SMEs) looking for commercial lending solutions.
- Local organizations and businesses needing treasury management and merchant services.
- Community members interested in personalized banking experiences and local engagement.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
Why 50?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 50 |
| 2026-08-26 | 50 |
| 2026-08-29 | 50 |
| 2026-09-01 | 50 |
| 2026-09-04 | 50 |
| 2026-09-07 | 50 |
| 2026-09-10 | 50 |
What changed?
The score has stayed at 50.
Over the same 18 days the stock moved +1.1%.
Commercial National Financial Corporation Financial Trajectory
Commercial National Financial Corporation (CEFC) reported $7.1M in revenue for Jun 2026, reflecting 2.0% growth compared to the prior quarter. The company recorded net income of $1.6M, with diluted EPS of $0.42. Quarter-over-quarter revenue has been mixed, typical for a unknown company operating in Financial Services. Across the four most recent quarters, CEFC averaged $0.44 in diluted EPS.
Company Profile
Commercial National Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Ithaca, US. The company is led by CEO Kevin D. Collison. CEFC has traded publicly since 1999.
How Commercial National Financial Corporation Is Valued
Relative to its peer group, CEFC's quantitative score of 50/100 is below the peer average of 90/100.
Key Financial Metrics
Return on equity for Commercial National Financial Corporation stands at 5.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. CEFC trades at a trailing price-to-earnings ratio of 9.13, below the Financial Services sector average of ~17.50x. A current ratio of 0.34 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Commercial National Financial Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.
CEFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established brand with over a century of experience in banking.
- Strong profit margins and efficient operations.
- Diverse product offerings catering to various customer segments.
- Community-focused approach enhances customer loyalty.
Bear Case
- Limited geographic presence compared to larger banks.
- Potential vulnerability to economic downturns affecting local markets.
- Dependence on the Michigan economy for growth and stability.
- Lower trading volume due to OTC market classification.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Jun 2026 | $7M | $2M | $0.42 |
| Mar 2026 | $7M | $2M | $0.43 |
| Dec 2025 | $7M | $2M | $0.45 |
| Sep 2025 | $7M | $2M | $0.45 |
Based on FMP financials and quantitative analysis
CEFC Latest News
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Commercial National Financial Corporation Announces Quarterly Dividend
globenewswire.com · Aug 20, 2026
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Commercial National Financial Corporation Reports 2nd Quarter 2026 Results
globenewswire.com · Jul 27, 2026
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Stocks That Hit 52-Week Lows On Friday
· Sep 13, 2019
CEFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CEFC.
Price Targets
Wall Street price target analysis for CEFC.
CEFC MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. CEFC scores 50/100 (Grade B): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Leadership: Kevin D. Collison
CEO
Kevin D. Collison has been leading Commercial National Financial Corporation since its inception, bringing over 25 years of experience in the banking sector. He holds a degree in Finance from Michigan State University and has held various leadership roles in regional banks prior to joining CEFC. His extensive background in financial services has equipped him with the skills to navigate the complexities of the banking industry.
Track Record: Under Kevin's leadership, CEFC has successfully expanded its service offerings and strengthened its community engagement initiatives. His strategic focus on personalized banking has led to increased customer satisfaction and retention, positioning CEFC for sustainable growth in the regional banking sector.
CEFC OTC Market Information
The OTC Other tier represents stocks that do not meet the stringent listing requirements of major exchanges like NYSE or NASDAQ. This tier often includes smaller companies with lower trading volumes and less visibility, which can lead to increased volatility and risk for investors.
- OTC Tier: OTC Other
- Lower liquidity compared to stocks listed on major exchanges, leading to potential trading challenges.
- Less stringent reporting requirements may result in limited financial transparency.
- Higher volatility associated with OTC stocks, increasing investment risk.
- Potential for limited analyst coverage, making it harder to gauge market sentiment.
- Review the company's financial statements and performance metrics.
- Assess the management team's experience and track record.
- Investigate the company's market position and competitive landscape.
- Monitor regulatory changes that may affect the financial services industry.
- Evaluate the company's growth strategy and future prospects.
- Established history of over 130 years in the banking industry.
- Strong community engagement and local presence enhance credibility.
- Positive customer reviews and feedback on service quality.
- Membership in industry associations and compliance with banking regulations.
Commercial National Financial Corporation Financial Services Stock: Key Questions Answered
What does the AI Score mean for CEFC?
CEFC holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Is CEFC a good stock?
Stock Expert AI does not rate CEFC buy, sell or hold. Commercial National Financial Corporation carries a MoonshotScore of 50/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does Commercial National Financial Corporation do?
Commercial National Financial Corporation operates as a regional bank holding company, providing a variety of banking products and services. These include deposit accounts, personal and business loans, and treasury services, primarily serving individuals and businesses in Michigan.
What are the key factors to evaluate for CEFC?
Commercial National Financial Corporation (CEFC) holds a MoonshotScore of 50/100 (moderate). P/E: 9.13x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CEFC data refresh on this page?
CEFC's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CEFC's recent stock price performance?
Commercial National Financial Corporation (CEFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with over a century of experience in banking. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CEFC overvalued or undervalued right now?
Commercial National Financial Corporation (CEFC) trades at 9.13x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of CEFC?
Yes, most major brokerages offer fractional shares of Commercial National Financial Corporation (CEFC) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CEFC's earnings and financial reports?
Commercial National Financial Corporation (CEFC) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CEFC earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial reports may not be publicly available, limiting transparency.