Commercial National Financial Corporation

Commercial National Financial Corporation

CEFC
Commercial National Financial CorporationUS flagOther OTC
14.63
USD
-0.17
- -
58.01MMarket Cap
1999 Y
2000 Y
2001 Y
2002 Y
2003 Y
2004 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.38
0.36
2.78
2.72
2.89
2.77
4.34
4.47
4.87
5.71
5.14
5.32
5.66
2.86
Basic EPS, GAAP
0.71
0.75
0.83
0.73
0.55
0.63
1.27
1.1
1.61
2.04
1.56
1.48
1.68
0.64
Free Cash Flow per Basic Share
0.73
0.88
0.52
1.13
1.07
1.03
1.52
1.27
1.32
2.23
1.69
1.56
1.64
0.82
Dividend per Share
- -
- -
0.48
0.51
0.53
0.52
0.52
0.56
0.56
0.56
0.56
0.56
0.56
0.38
Book Value per Share
4.96
5.16
5.59
5.88
5.91
6.14
9.68
10.22
11.26
12.74
13.82
14.73
15.88
3.69
Tangible Book Value per Share
4.92
5.22
5.69
5.99
5.97
6.15
8.86
9.53
10.44
9.06
10.97
11.92
13.49
3.66
Basic Weighted Avg Shares
4
4
4
4
4
4
4
4
4
4
4
4
4
4
Sales/Revenue/Turnover
1
1
11
11
12
11
17
18
19
23
20
21
22
12
Operating Margin (%)
- -
-328.04
42
37.51
26.16
31.87
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
3
3
3
3
2
3
5
4
6
8
6
6
7
3
Effective Tax Rate (%)
28.28
29.13
29.36
28.03
27.14
28.93
17.57
16.45
18.13
18.18
17.97
17.12
17.92
29.23
Profit Margin (%)
187.17
209.45
29.67
27
19.06
22.65
29.18
24.61
32.99
35.72
30.31
27.81
29.69
22.54
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16
26
26
33
32
39
66
53
48
32
27
14
23
40
Total Equity
19
20
22
24
24
25
39
41
45
39
47
51
56
15
Return on Invested Capital (%)
- -
-7.49
6.63
5.51
3.93
4.22
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
14.91
14.88
15.4
12.91
9.46
10.43
15.82
11.06
14.95
16.98
11.72
10.36
10.93
13.28

Capital Structure

FRC

in mil. unless spec.
Sep'04
Dec'04
Mar'19
ST Debt
- -
- -
- -
LT Borrowings
37
39
40
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
15
16
16

Working Capital

FRC

in mil. unless spec.
Sep'04
Dec'04
Mar'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7
8
8
Accounts Receivable, Net
2
2
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.89%
6.92%
11.39%
Free Cash Flow
18.94%
9.04%
4.13%
Net Income, GAAP
12.21%
11.39%
12.76%
Sales/Revenue/Turnover
8.56%
5.04%
5.64%
Total Cash Common Dividend
- -
- -
-0.37%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
20
2024
- -
- -
- -
- -
21
2025
- -
- -
- -
- -
22

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.56
2024
- -
- -
- -
- -
1.48
2025
- -
- -
- -
- -
1.68

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.56
2024
- -
- -
- -
- -
0.56
2025
- -
- -
- -
- -
0.56

Company Description

APIChat
CEO
Kevin D. Collison
Full Time Employees
95
Sector
Financial Services
Industry
Banks - Regional
Address
101 North Pine River Ithaca MI United States of America 48847
IPO Date
Jan 6, 1999
Business
Commercial National Financial Corporation (Ticker: CEFC) is a financial services company primarily engaged in commercial banking activities. The corporation offers a comprehensive range of financial products and services including commercial and consumer loans; deposit products such as checking, savings, and certificates of deposit; cash management services; and wealth management solutions. It also provides mortgage financing, business credit lines, and merchant services tailored to businesses and individual clients. The company operates predominantly in the United States, serving a diverse client base that includes small-to-medium enterprises, commercial real estate developers, and individual customers. Founded in 1934, Commercial National Financial Corporation is headquartered in Dayton, Ohio. In the past one to two years, Commercial National Financial Corporation has executed strategic expansions in its digital banking platform and enhanced its commercial lending capabilities to better serve evolving client needs. The company has formed new partnerships to integrate fintech solutions aimed at streamlining loan processing and improving customer experience. Additionally, it has increased its focus on community banking initiatives and broadened its geographic footprint with new branch openings and market entries within the Midwest region. These operational enhancements reflect the company's commitment to growth and technological advancement in the competitive financial sector. Commercial National Financial Corporation operates within the commercial banking and financial services industry, targeting commercial, industrial, and retail banking markets. It provides services under the Commercial National Bank brand and is involved in key banking segments such as commercial loans, real estate financing, and retail banking solutions. The company benefits from a well-established local presence while maintaining ambitions for regional growth within the U.S. Midwest financial markets. No recent changes in corporate name or ownership structure have been reported. This description captures the firm's core business activities, recent strategic developments, and market positioning as a mid-sized regional commercial bank focused on comprehensive financial service delivery and client-focused innovation.

Company News

APIChat
  • Commercial National Financial Corporation Announces Quarterly Dividend & Share Repurchase Program

  • Commercial National Financial Corporation Announces Quarterly Dividend & Share Repurchase Program

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  • Commercial National Financial Corporation Announces Quarterly Dividend

  • Commercial National Financial Corporation Reports 3rd Quarter 2025 Results

  • Commercial National Financial Corporation Announces Quarterly Dividend & Share Repurchase Program

  • Commercial National Financial Corporation Reports 2nd Quarter 2025 Results

  • Commercial National Financial Corporation Reports 1st Quarter 2025 Results

  • Commercial National Financial Corporation Announces Quarterly Dividend

  • Commercial National Financial Corporation Reports 4th Quarter 2024 Results

  • Commercial National Financial Corporation Announces Quarterly Dividend

  • Commercial National Financial Corporation Reports 3rd Quarter 2024 Results

  • Commercial National Financial Corporation Announces Quarterly Dividend

  • Commercial National Financial Corporation Reports 2nd Quarter 2024 Results

  • Commercial National Financial Corporation Announces Quarterly Dividend

  • Commercial National Financial Corporation Reports 1st Quarter 2024 Earnings