Commercial National Financial Corporation
Commercial National Financial Corporation
Your view on CEFC
Overview
What the company does, where it operates, and who runs it.
About Commercial National Financial Corporation
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kevin D. Collison
- Headquarters
- 101 North Pine River, Ithaca, MI, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kevin D. Collison
- Headquarters
- 101 North Pine River, Ithaca, MI, US
Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan.
The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts.
It also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs.
In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services.
It provides its services through 12 offices located in Barry, Gratiot, Ingham, Isabella, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Commercial National Financial Corporation, and the rating behind it. CEFC last traded at $14.41, 9.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Commercial National Financial Corporation. Starting points for Commercial National Financial Corporation: P/E 9.7, EPS $1.77, beta 0.45 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Commercial National Financial Corporation. Commercial National Financial Corporation does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Commercial National Financial Corporation. Trailing twelve-month EPS for Commercial National Financial Corporation stands at $1.77. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Commercial National Financial Corporation. Commercial National Financial Corporation has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Commercial National Financial Corporation valued side by side against its closest peers. Commercial National Financial Corporation is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Commercial National Financial Corporation, and how their positions are changing. At a $57.1M market value, institutional positions materially move Commercial National Financial Corporation's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Commercial National Financial Corporation executives and directors. Shares of Commercial National Financial Corporation have traded between $9.60 and $14.41 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Commercial National Financial Corporation. Commercial National Financial Corporation is a $57.1M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Commercial National Financial Corporation. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Commercial National Financial Corporation. Coverage tracks Commercial National Financial Corporation within Banks - Regional (Financial Services). Press releases and market coverage, newest first.