Commercial National Financial

(OTC) CEFC

Current Price$15.51

Market Cap$61.50M

Since IPO (1994)+1,550%

5 Year+83%

1 Year+53%

1 Month+5%

Commercial National Financial last closing stock price
Metric	Price	Date
Last close	USD 15.51	2026-07-17

Commercial National Financial stock price return by period
Period	Price return	Price at period start	Period start date
1 week	+3.06%	USD 15.05	2026-07-09
1 month	+5.14%	USD 14.75	2026-06-17
3 month	+10.27%	USD 14.07	2026-04-17
Year to date	+16.05%	USD 13.37	2025-12-31
1 year	+53.18%	USD 10.13	2025-07-17
3 year	+90.29%	USD 8.15	2023-07-18
5 year	+83.47%	USD 8.45	2021-07-14
Since inception	+1,549.95%	USD 0.94	1994-03-23

Commercial National Financial Financials at a Glance

Market Cap

$61.50M

Revenue (TTM)

$26.60M

Net Income (TTM)

$6.86M

EPS (TTM)

$1.73

P/E Ratio

8.95

Dividend

$0.58

Beta (Volatility)

0.10 (Low)

Dividend

$0.58

Beta (Volatility)

0.10 (Low)

Price

$15.51

Volume

800

Open

$15.25

Price

$15.51

Volume

800

Open

$15.25

Previous Close

$15.51

Daily Range

$15.20 - $15.51

52-Week Range

$10.81 - $15.51

Estimated Earnings Date

Apr 22, 2026

Dividend

$0.58

Beta (Volatility)

0.10 (Low)

Price

$15.51

Volume

800

Open

$15.25

Previous Close

$15.51

Daily Range

$15.20 - $15.51

52-Week Range

$10.81 - $15.51

Estimated Earnings Date

Apr 22, 2026

CEFC News

No articles available.

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About Commercial National Financial

Commercial National Financial Corporation operates as the holding company for Commercial Bank, providing a range of banking products and services primarily in Michigan. The company focuses on serving individuals, agricultural and commercial businesses, and light industries.

Products and Services

Various deposit products, including checking and savings accounts
Personal and business loan products, including mortgages and SBA loans
Treasury management services and online banking solutions

Growth Outlook

Revenue of $6.92 million reported in Q1 2026, showing stability
Net income of $1.68 million in Q1 2026, reflecting strong profitability
Consistent dividend yield of 5.77% indicates shareholder value focus

Financial Highlights

Trailing twelve months (TTM) P/E ratio of 12.06 suggests reasonable valuation
Net profit margin of 11.47% demonstrates effective cost management
Return on equity (ROE) of 5.48% indicates efficient use of shareholder funds

AI Generated • Jul 18, 2026

Industry

Banks

Sector

Financials

Employees

105

CEO

Kevin D. Collison

Website

www.commercial-bank.com

Headquarters

Ithaca, MI 48847, US

CEFC Financials

Key Financial Metrics (TTM)

Gross Margin

92.85%

Operating Margin

11.28%

Net Income Margin

11.47%

Return on Equity

5.48%

Return on Capital

10.12%

Return on Assets

0.54%

Earnings Yield

11.17%

Dividend Yield

3.74%

Payout Ratio

0.00%

Stock Overview

Market Cap

$61.50M

Shares Outstanding

3.97M

Volume

800

Avg. Volume

1.82K

Financials (TTM)

Gross Profit

$22.73M

Operating Income

$8.37M

EBITDA

$8.37M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$60.28M

Total Debt

$18.31M

Commercial National Financial Performance Analysis

Commercial National Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 25,630,123	18.1%
2023	2023-12-31	USD 27,391,217	6.9%
2024	2024-12-31	USD 29,169,574	6.5%
2025	2025-12-31	USD 28,150,155	-3.5%

Commercial National Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	4.6%
Q3	2025-09-30	28.4%
Q4	2025-12-31	-2.1%
Q1	2026-03-31	-0.9%

Commercial National Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 2.04	26.9%
2023	2023-12-31	USD 1.56	-23.6%
2024	2024-12-31	USD 1.48	-5.0%
2025	2025-12-31	USD 1.67	13.1%

Commercial National Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	13.9%
Q3	2025-09-30	9.8%
Q4	2025-12-31	N/A
Q1	2026-03-31	-4.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$6.92M

+30.4%

Gross Profit

$5.69M

+7.2%

Gross Margin

82.27%

N/A

Market Cap

$61.50M

N/A

Market Cap/Employee

$647.39K

N/A

Employees

N/A

Net Income

$1.68M

+17.3%

EBITDA

$2.05M

+18.0%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$60.28M

-5.5%

Total Debt

$18.31M

+61.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$18.31M

+61.9%

Short Term Debt

$0.00

N/A

Return on Assets

0.54%

N/A

Return on Invested Capital

0.56%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CEFC

What is the current price of Commercial National Financial?

Commercial National Financial is trading at $15.51 per share.

What is the 52-week range for Commercial National Financial?

Over the past 52 weeks, Commercial National Financial has traded between $10.81 and $15.51.

How much debt does Commercial National Financial have?

As of the most recent reporting period, Commercial National Financial reported total debt of $18.31M.

How much cash does Commercial National Financial have on hand?

Commercial National Financial does not have cash on hand data available.

What is Commercial National Financial’s dividend yield?

Commercial National Financial currently has a dividend yield of 3.74%.

Commercial National Financial

Commercial National Financial Financials at a Glance

CEFC News

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Commercial National Financial

CEFC Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Commercial National Financial Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About CEFC

What is the current price of Commercial National Financial?

What is the 52-week range for Commercial National Financial?

How much debt does Commercial National Financial have?

How much cash does Commercial National Financial have on hand?

What is Commercial National Financial’s dividend yield?

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