Financial Services
Commercial National Financial Corporation(CEFC)
Live Price
Offline$14.68
+0.00% today
1Y Change
+40.95%
Window
Jun 26, 2025 โ Jun 23, 2026
- Market Cap
- $60.00M
- Revenue Growth
- -3.5%
- EPS Growth
- +12.8%
- Dividend Yield
- 4.0%
Coverage: 248 bars ยท Jun 26, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Commercial National Financial Corporation (CEFC) is a Financial Services stock with a market cap of $60.00M and listed on OTC. The stock last traded around $14.68 and up 41.0% across the available one-year price window (Jun 26, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of -3.5%, EPS growth of +12.8%, a dividend yield of 4.0%. What stands out right now is revenue -3.5%, EPS +12.8%, free cash flow +29.9% with operating margin 31.5% and ROIC 1.2%. The dividend matters to the case here, with a current yield around 4.0%. Valuation is more restrained than many high-expectation growth names at P/E 8.3 and price/sales 2.1. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CEFC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-3.5% vs +3.4% peer median
Operating Margin
Above sector median
+31.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -3.5% and EPS is at +12.8%, with operating margin around 31.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 4.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | +0.0% | +2.8% | +2.1% |
2026 Jan 22, 2026 | โ | +0.0% | +0.0% | +0.9% |
2025 Oct 24, 2025 | โ | +0.1% | +0.9% | +7.5% |
Benchmark Edge
CEFC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CEFC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CEFC Max Drawdown
-8.78%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CEFC and SPY.
Company Overview
Commercial National Financial Corporation
OTC
Commercial National Financial Corporation is a banking institution that primarily focuses on delivering comprehensive financial services through its community banking model. Its principal purpose is to offer a wide array of banking solutions, including personal and business deposit accounts, lending products such as consumer, mortgage, and commercial loans, and trust and wealth management services. Operating predominantly within the financial services industry, Commercial National Financial Corporation serves individual clients, small to medium-sized enterprises, and local government bodies in its community. The company is renowned for nurturing strong customer relationships and promoting financial literacy among its clientele. By fostering a robust presence in its regional markets, Commercial National Financial Corporation holds a significant role in facilitating economic growth and providing liquidity and capital resources to the communities it serves. Headquartered in a location that connects it with its primary service areas, the corporation actively engages in maintaining the financial health and prosperity of its community, making it a notable entity within the micro-cap segment of the financial market.
- Leadership
- Mr. Kevin D. Collison
- Street Address
- 101 North Pine River Street
- Mailing
- Ithaca, MI, 48847
- Region
- Ithaca, MI, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.3
- EV/EBITDA
- 1.8
- Price/Sales
- 2.1
- Price/Book
- 1.0
Growth
- Revenue
- -3.5%
- EPS
- +12.8%
- Free Cash Flow
- +29.9%
Profitability
- Gross Margin
- 63.9%
- Operating Margin
- 31.5%
- Net Margin
- 25.8%
- ROE
- 12.5%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.33
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.