Price
No data yet.
Social Signal Score
Revenue
$7.06M+34.18%Company Profile
- CEO
- Kevin D. Collison
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 95
- Beta
- 0.43
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 0.37
Financials
Revenue
$7.06M+34.2%Net Income
$1.64M+11.0%EBITDA
$2.00M+11.4%EPS (diluted)
$0.42+13.5%Shares Outstanding (diluted)
3.89M-1.8%Operating Expenses
$0.00Cash & Debt
$37.59MDividend per Share
$0.15Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $28.15M | $6.61M | $1.67 |
| 2024 | $29.17M | $5.86M | $1.48 |
| 2023 | $27.39M | $6.17M | $1.56 |
| 2022 | $25.63M | $8.08M | $2.04 |
| 2021 | $21.71M | $6.37M | $1.61 |
| 2020 | $21.25M | $4.36M | $1.10 |
| 2019 | $22.57M | $5.02M | $1.27 |
| 2018 | $21.24M | $4.50M | $1.14 |
| 2017 | $21.12M | $3.42M | $0.86 |
| 2016 | $16.10M | $2.60M | $0.80 |
| 2015 | $12.40M | $2.69M | $0.83 |
| 2014 | $12.14M | $2.43M | $0.75 |
| 2004 | $15.12M | $2.56M | $0.63 |
| 2003 | $15.88M | $2.24M | $0.55 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CEFC's reported EPS growth of 8.9% a year over 13 years.
- EPS in 5 years
- $2.55
- Implied price
- $20.43
- Return from $15.80
- 5.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $10.16 — -35.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 4 | 6 | 8 | 10 | 12 |
|---|---|---|---|---|---|
| -1.1% | -16.8% | -9.7% | -4.4% | -0.0% | 3.7% |
| 3.9% | -12.6% | -5.2% | 0.4% | 5.0% | 8.9% |
| 8.9% | -8.4% | -0.6% | 5.3% | 10.1% | 14.2% |
| 13.9% | -4.1% | 3.9% | 10.1% | 15.1% | 19.4% |
| 18.9% | 0.1% | 8.5% | 14.9% | 20.2% | 24.6% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80Social Signal Score
Mentions (1)
- Newsglobenewswire.com·5h ago·Negative
Commercial National Financial Corporation Announces Quarterly Dividend Quarterly Dividend ITHACA, Mich., Aug. 20, 2026 (GLOBE NEWSWIRE) -- Commercial National Financial Corporation (OTCID: CEFC) announced that the Board of Directors declared a regular quarterly cash dividend of 15 cents per share. The dividend is payable October 1, 2026 to shareholders of record on September 11, 2026. Based on a recent closing price of $15.77 per share, the annualized dividend yield is 3.80%.
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