Commercial National Financial Corporation (CEFC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 19 | 23 | 20 | 21 | 22 | 24 | - |
| Operating profit | $m | 8 | 8 | ||||||
| Net profit | $m | 4 | 6 | 8 | 6 | 6 | 7 | 7 | - |
| EPS reported | $ | 1.67 | 1.75 | ||||||
| Operating cashflow per share | $ | 1.63 | 0.00 | ||||||
| Capex per share | $ | 0.05 | 0.00 | ||||||
| FCF per share | $ | 1.58 | 0.00 | ||||||
| Free cash flow | $m | 6 | 0 | ||||||
| Net debt | $m | -34 | -12 | ||||||
| Book value equity | $m | 56 | 57 | ||||||
| Book value per share | $ | 14.19 | 14.60 | ||||||
| Number of shares | m | 3.97 | 3.89 | ||||||
| DPS (TTM paid) | $ | 0.56 | 0.59 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.17 | 9.18 | ||||||
| P/B LTM | x | 0.96 | 0.95 | ||||||
| P/S LTM | x | 2.43 | 2.23 | ||||||
| P/FCF LTM | x | 8.65 | 0.00 | ||||||
| EV/EBITDA LTM | x | 2.49 | 2.39 | ||||||
| EV/Sales LTM | x | 0.71 | 1.75 | ||||||
| Earnings Yield LTM | % | +12.24% | +10.89% | ||||||
| FCF Yield | % | +11.56% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.75% | +12.32% | ||||||
| ROIC | % | +1.19% | +1.25% | ||||||
| Operating margin | % | +28.61% | +29.90% | ||||||
| Gross margin | % | +79.38% | +81.75% | ||||||
| FCF/Sales | % | +22.23% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.84% | +18.24% | ||||||
| Sales Growth YoY | % | +5.64% | +15.34% | ||||||
| Net Income Growth YoY | % | +12.76% | +17.56% | ||||||
| FCF Growth | % | +29.91% | -100.00% | ||||||
| Operating Profit Growth | % | +15.39% | +20.39% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.09% | +3.72% | ||||||
| Dividend Growth | % | 0.00% | +5.36% | ||||||
| Payout Ratio | % | +33.41% | 0.00% | ||||||
| FCF/Debt | x | 0.27 | 0.00 | ||||||
| Net Debt/EBITDA | x | -4.23 | -1.46 | ||||||
| EBIT/Net interest | x | 1.37 | 2.22 | ||||||
| Net debt/market cap | % | +43.07% | +41.22% | ||||||
| Net debt/Equity | x | -0.61 | -0.22 | ||||||
| Gross debt/equity | x | 0.41 | 0.45 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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, Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Commercial National Financial Corporation (CEFC)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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, Michigan.
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