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Commercial National Financial Corporation CEFC

Sector:

Financial Services

Industry:

Banks - Regional

Description:

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.
Commercial National Financial Corporation website

Recent Quarter:

2024-07-26

Upcoming Quarter:

2024-10-25

Annual Reports

Date2023-12-31
Revenue 27,391,217
Net Income 6,172,641
EPS 1.56
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2022-12-31
Revenue 25,630,123
Net Income 8,081,338
EPS 2.04
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2021-12-31
Revenue 21,705,887
Net Income 6,366,107
EPS 1.61
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2020-12-31
Revenue 21,245,086
Net Income 4,364,420
EPS 1.1
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2019-12-31
Revenue 22,571,225
Net Income 5,018,576
EPS 1.27
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2018-12-31
Revenue 21,238,607
Net Income 4,501,566
EPS 1.14
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2017-12-31
Revenue 21,124,438
Net Income 3,419,095
EPS 0.86
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2016-12-31
Revenue 16,096,074
Net Income 2,597,533
EPS 0.8
Basic Shares 3,253,012
Diluted Shares 3,253,012
Report Link
Date2015-12-31
Revenue 12,400,585
Net Income 2,685,234
EPS 0.83
Basic Shares 3,253,015
Diluted Shares 3,253,012
Report Link
Date2014-12-31
Revenue 12,141,196
Net Income 2,428,009
EPS 0.75
Basic Shares 3,253,016
Diluted Shares 3,253,013
Report Link
Date2004-12-31
Revenue 11,302,396
Net Income 2,559,974
EPS 0.63
Basic Shares 4,085,113
Diluted Shares 4,123,321
Report Link
Date2003-12-31
Revenue 11,732,022
Net Income 2,235,802
EPS 0.55
Basic Shares 4,065,095
Diluted Shares 4,065,095
Report Link
Date2002-12-31
Revenue 10,745,046
Net Income 2,900,880
EPS 0.73
Basic Shares 3,955,745
Diluted Shares 4,007,795
Report Link
Date2001-12-31
Revenue 10,793,478
Net Income 3,202,588
EPS 0.83
Basic Shares 3,880,059
Diluted Shares 3,923,170
Report Link
Date2000-12-31
Revenue 1,385,817
Net Income 2,902,530
EPS 0.75
Basic Shares 3,855,469
Diluted Shares 3,902,487
Report Link
Date1999-12-31
Revenue 1,458,999
Net Income 2,730,872
EPS 0.71
Basic Shares 3,855,275
Diluted Shares 3,855,275
Report Link
Date1998-12-31
Revenue 1,818,131
Net Income 2,560,014
EPS 0.67
Basic Shares 1,212,757
Diluted Shares 1,212,757
Report Link
Date1997-12-31
Revenue 1,494,430
Net Income 1,692,110
EPS 1.48
Basic Shares 1,142,650
Diluted Shares 1,142,650
Report Link
Date1996-12-31
Revenue 913,340
Net Income 1,431,752
EPS 1.36
Basic Shares 1,054,729
Diluted Shares 1,054,729
Report Link
Date1995-12-31
Revenue 914,676
Net Income 1,667,824
EPS 1.69
Basic Shares 984,102
Diluted Shares 984,102
Report Link

Annual Ratios

Date2023-12-31
PE 5.95
Dividend Yield 6.05
Payout Ratio: 35.974%
Date2022-12-31
PE 5.15
Dividend Yield 5.33
Payout Ratio: 27.478%
Date2021-12-31
PE 8.10
Dividend Yield 4.31
Payout Ratio: 34.881%
Date2020-12-31
PE 8.40
Dividend Yield 6.05
Payout Ratio: 50.879%
Date2019-12-31
PE 9.05
Dividend Yield 4.54
Payout Ratio: 41.087%
Date2018-12-31
PE 10.12
Dividend Yield 4.53
Payout Ratio: 45.805%
Date2017-12-31
PE 13.92
Dividend Yield 4.33
Payout Ratio: 60.307%
Date2016-12-31
PE 15.02
Dividend Yield 4.34
Payout Ratio: 65.122%
Date2015-12-31
PE 10.89
Dividend Yield 5.78
Payout Ratio: 62.995%
Date2014-12-31
PE 10.85
Dividend Yield 6.42
Payout Ratio: 69.669%
Date2004-12-31
PE 20.11
Dividend Yield 4.11
Payout Ratio: 82.693%
Date2003-12-31
PE 21.36
Dividend Yield 4.48
Payout Ratio: 95.761%
Date2002-12-31
PE 14.93
Dividend Yield 4.63
Payout Ratio: 69.118%
Date2001-12-31
PE 11.53
Dividend Yield 5.07
Payout Ratio: 58.523%
Date2000-12-31
PE 12.62
Dividend Yield 138.22
Payout Ratio: 1744.136%
Date1999-12-31
PE 15.11
Dividend Yield 55.16
Payout Ratio: 833.208%
Date1998-12-31
PE 4.64
Dividend Yield 173.01
Payout Ratio: 802.379%
Date1997-12-31
PE 5.38
Dividend Yield 0.00
Payout Ratio: 0.000%
Date1996-12-31
PE 4.54
Dividend Yield 0.00
Payout Ratio: 0.000%
Date1995-12-31
PE 3.39
Dividend Yield 0.00
Payout Ratio: 0.000%

Quarterly Reports

Date2024-06-30
Revenue 7,323,506
Net Income 1,412,164
EPS 0.36
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2024-03-31
Revenue 7,152,566
Net Income 1,161,131
EPS 0.29
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2023-12-31
Revenue 7,036,648
Net Income 1,458,136
EPS 0.37
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2023-09-30
Revenue 7,010,955
Net Income 1,701,502
EPS 0.43
Basic Shares 3,956,981
Diluted Shares 3,956,981
Report Link
Date2023-06-30
Revenue 6,795,051
Net Income 1,542,947
EPS 0.39
Basic Shares 3,956,274
Diluted Shares 3,956,274
Report Link
Date2023-03-31
Revenue 6,548,563
Net Income 1,470,056
EPS 0.37
Basic Shares 3,973,124
Diluted Shares 3,973,124
Report Link
Date2022-12-31
Revenue 6,681,717
Net Income 1,911,791
EPS 0.48
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2022-09-30
Revenue 5,952,354
Net Income 1,601,171
EPS 0.4
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2022-06-30
Revenue 5,540,622
Net Income 1,518,113
EPS 0.38
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2022-03-31
Revenue 7,455,430
Net Income 3,050,263
EPS 0.77
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2021-12-31
Revenue 5,593,676
Net Income 1,764,768
EPS 0.45
Basic Shares 3,965,303
Diluted Shares 3,965,303
Report Link
Date2021-09-30
Revenue 5,262,896
Net Income 1,478,004
EPS 0.37
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2021-06-30
Revenue 5,284,067
Net Income 1,411,813
EPS 0.36
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2021-03-31
Revenue 4,925,374
Net Income 1,711,522
EPS 0.43
Basic Shares 3,980,283
Diluted Shares 3,980,283
Report Link
Date2020-12-31
Revenue 4,360,216
Net Income 1,236,981
EPS 0.31
Basic Shares 3,998,632
Diluted Shares 3,990,264
Report Link
Date2020-09-30
Revenue 4,174,289
Net Income 1,177,102
EPS 0.3
Basic Shares 3,923,673
Diluted Shares 3,923,673
Report Link
Date2020-06-30
Revenue 4,010,141
Net Income 1,146,915
EPS 0.29
Basic Shares 3,954,879
Diluted Shares 3,954,879
Report Link
Date2020-03-31
Revenue 3,742,451
Net Income 803,422
EPS 0.2
Basic Shares 4,017,110
Diluted Shares 4,017,109
Report Link
Date2019-12-31
Revenue 4,420,280
Net Income 1,316,271
EPS 0.33
Basic Shares 3,965,304
Diluted Shares 3,965,304
Report Link
Date2019-09-30
Revenue 4,530,416
Net Income 1,478,236
EPS 0.37
Basic Shares 3,995,232
Diluted Shares 3,995,232
Report Link
Date2019-06-30
Revenue 4,095,701
Net Income 1,123,171
EPS 0.28
Basic Shares 4,011,324
Diluted Shares 4,011,325
Report Link
Date2019-03-31
Revenue 4,153,717
Net Income 1,100,898
EPS 0.28
Basic Shares 3,931,778
Diluted Shares 3,931,778
Report Link
Date2018-12-31
Revenue 4,037,489
Net Income 1,075,737
EPS 0.27
Basic Shares 3,965,309
Diluted Shares 3,965,304
Report Link
Date2018-09-30
Revenue 4,112,936
Net Income 1,177,007
EPS 0.3
Basic Shares 3,923,356
Diluted Shares 3,923,356
Report Link
Date2018-06-30
Revenue 4,052,670
Net Income 1,185,211
EPS 0.3
Basic Shares 3,950,703
Diluted Shares 3,950,703
Report Link
Date2018-03-31
Revenue 4,024,587
Net Income 1,063,611
EPS 0.27
Basic Shares 3,939,299
Diluted Shares 3,939,300
Report Link
Date2017-12-31
Revenue 4,522,172
Net Income 1,334,095
EPS 0.34
Basic Shares 3,949,983
Diluted Shares 3,923,529
Report Link
Date2017-09-30
Revenue 4,389,000
Net Income 1,248,000
EPS 0.31
Basic Shares 4,025,806
Diluted Shares 4,025,806
Report Link
Date2017-06-30
Revenue 4,230,000
Net Income 1,042,999
EPS 0.26
Basic Shares 4,011,534
Diluted Shares 4,011,538
Report Link
Date2017-03-31
Revenue 4,005,531
Net Income -205,995
EPS -0.05
Basic Shares 4,119,900
Diluted Shares 4,119,900
Report Link
Date2016-12-31
Revenue 3,356,942
Net Income 599,225
EPS 0.18
Basic Shares 3,329,046
Diluted Shares 3,329,033
Report Link
Date2016-09-30
Revenue 3,293,225
Net Income 673,198
EPS 0.21
Basic Shares 3,205,704
Diluted Shares 3,205,704
Report Link
Date2016-06-30
Revenue 3,179,000
Net Income 689,000
EPS 0.21
Basic Shares 3,280,952
Diluted Shares 3,280,952
Report Link
Date2016-03-31
Revenue 3,034,643
Net Income 635,688
EPS 0.2
Basic Shares 3,178,440
Diluted Shares 3,178,440
Report Link
Date2015-12-31
Revenue 3,209,706
Net Income 599,142
EPS 0.18
Basic Shares 3,328,566
Diluted Shares 3,328,566
Report Link
Date2015-09-30
Revenue 3,155,942
Net Income 762,367
EPS 0.23
Basic Shares 3,314,639
Diluted Shares 3,314,639
Report Link
Date2015-06-30
Revenue 2,975,651
Net Income 687,461
EPS 0.21
Basic Shares 3,273,623
Diluted Shares 3,273,623
Report Link
Date2015-03-31
Revenue 3,059,286
Net Income 636,264
EPS 0.2
Basic Shares 3,181,320
Diluted Shares 3,181,320
Report Link
Date2014-12-31
Revenue 3,012,795
Net Income 576,815
EPS 0.18
Basic Shares 3,268,944
Diluted Shares 3,268,928
Report Link
Date2014-09-30
Revenue 3,116,905
Net Income 697,003
EPS 0.21
Basic Shares 3,319,061
Diluted Shares 3,319,061
Report Link
Date2014-06-30
Revenue 3,047,609
Net Income 612,440
EPS 0.19
Basic Shares 3,223,368
Diluted Shares 3,223,368
Report Link
Date2014-03-31
Revenue 2,963,887
Net Income 541,751
EPS 0.17
Basic Shares 3,186,770
Diluted Shares 3,186,770
Report Link
Date2005-03-31
Revenue 2,835,010
Net Income 601,156
EPS 0.17
Basic Shares 4,107,529
Diluted Shares 4,107,529
Report Link
Date2004-12-31
Revenue 2,879,768
Net Income 558,977
EPS 0.14
Basic Shares 4,089,450
Diluted Shares 4,242,282
Report Link
Date2004-09-30
Revenue 2,966,677
Net Income 761,553
EPS 0.19
Basic Shares 4,008,174
Diluted Shares 4,008,174
Report Link
Date2004-06-30
Revenue 2,835,473
Net Income 673,920
EPS 0.17
Basic Shares 3,964,235
Diluted Shares 4,212,000
Report Link
Date2004-03-31
Revenue 2,620,478
Net Income 565,524
EPS 0.14
Basic Shares 4,039,457
Diluted Shares 4,039,457
Report Link
Date2003-12-31
Revenue 2,702,461
Net Income 648,852
EPS 0.16
Basic Shares 4,067,957
Diluted Shares 4,067,957
Report Link
Date2003-09-30
Revenue 3,380,196
Net Income 818,436
EPS 0.2
Basic Shares 4,092,180
Diluted Shares 4,092,180
Report Link
Date2003-06-30
Revenue 2,827,419
Net Income 2,418
EPS 0.0006
Basic Shares 4,022,004
Diluted Shares 4,022,004
Report Link
Date2003-03-31
Revenue 2,821,946
Net Income 766,096
EPS 0.19
Basic Shares 4,022,004
Diluted Shares 4,022,004
Report Link
Date2002-12-31
Revenue 2,919,872
Net Income 816,953
EPS 0.21
Basic Shares 3,882,988
Diluted Shares 4,091,185
Report Link
Date2002-09-30
Revenue 2,744,877
Net Income 742,625
EPS 0.19
Basic Shares 3,900,341
Diluted Shares 4,105,623
Report Link
Date2002-06-30
Revenue 2,585,130
Net Income 677,558
EPS 0.17
Basic Shares 3,931,619
Diluted Shares 3,931,619
Report Link
Date2002-03-31
Revenue 2,495,167
Net Income 663,744
EPS 0.17
Basic Shares 3,851,462
Diluted Shares 4,065,432
Report Link
Date2001-12-31
Revenue 9,306,686
Net Income 863,484
EPS 0.22
Basic Shares 3,915,354
Diluted Shares 3,919,615
Report Link
Date2001-09-30
Revenue 471,625
Net Income 766,747
EPS 0.2
Basic Shares 3,859,154
Diluted Shares 3,859,154
Report Link
Date2001-06-30
Revenue 514,323
Net Income 809,825
EPS 0.21
Basic Shares 3,906,140
Diluted Shares 3,906,140
Report Link
Date2001-03-31
Revenue 500,844
Net Income 762,532
EPS 0.2
Basic Shares 3,837,940
Diluted Shares 3,837,940
Report Link
Date2000-12-31
Revenue 338,446
Net Income 728,332
EPS 0.19
Basic Shares 3,805,387
Diluted Shares 3,993,459
Report Link
Date2000-09-30
Revenue 337,781
Net Income 731,982
EPS 0.19
Basic Shares 3,851,639
Diluted Shares 3,851,639
Report Link
Date2000-06-30
Revenue 375,147
Net Income 751,767
EPS 0.22
Basic Shares 3,520,362
Diluted Shares 3,542,889
Report Link
Date2000-03-31
Revenue 334,443
Net Income 690,449
EPS 0.18
Basic Shares 3,814,750
Diluted Shares 3,996,405
Report Link

Quarterly Ratios

Date2024-06-30
PE 6.28
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2024-03-31
PE 7.70
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-12-31
PE 6.30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-09-30
PE 4.65
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-06-30
PE 5.96
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-03-31
PE 7.26
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-12-31
PE 5.44
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-09-30
PE 6.66
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-06-30
PE 7.47
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-03-31
PE 4.32
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2021-12-31
PE 7.30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2021-09-30
PE 7.10
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2021-06-30
PE 7.55
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2021-03-31
PE 6.10
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2020-12-31
PE 7.48
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2020-09-30
PE 7.59
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2020-06-30
PE 8.10
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2020-03-31
PE 10.50
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2019-12-31
PE 8.62
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2019-09-30
PE 6.89
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2019-06-30
PE 10.04
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2019-03-31
PE 10.13
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2018-12-31
PE 10.59
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2018-09-30
PE 10.46
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2018-06-30
PE 10.00
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2018-03-31
PE 11.57
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2017-12-31
PE 8.88
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2017-09-30
PE 9.44
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2017-06-30
PE 10.77
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2017-03-31
PE -56.85
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2016-12-31
PE 16.65
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2016-09-30
PE 12.56
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2016-06-30
PE 11.49
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2016-03-31
PE 12.19
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2015-12-31
PE 12.49
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2015-09-30
PE 9.51
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2015-06-30
PE 10.18
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2015-03-31
PE 9.88
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2014-12-31
PE 11.48
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2014-09-30
PE 9.76
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2014-06-30
PE 10.79
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2014-03-31
PE 11.76
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2005-03-31
PE 21.56
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2004-12-31
PE 23.05
Dividend Yield 0.95
Payout Ratio: 87.663%
Date2004-09-30
PE 15.79
Dividend Yield 1.02
Payout Ratio: 64.261%
Date2004-06-30
PE 16.54
Dividend Yield 1.28
Payout Ratio: 84.603%
Date2004-03-31
PE 21.43
Dividend Yield 1.17
Payout Ratio: 100.326%
Date2003-12-31
PE 18.42
Dividend Yield 1.13
Payout Ratio: 82.924%
Date2003-09-30
PE 15.47
Dividend Yield 1.06
Payout Ratio: 65.576%
Date2003-06-30
PE 5148.10
Dividend Yield 1.07
Payout Ratio: 22088.296%
Date2003-03-31
PE 15.93
Dividend Yield 1.09
Payout Ratio: 69.467%
Date2002-12-31
PE 13.01
Dividend Yield 1.19
Payout Ratio: 61.862%
Date2002-09-30
PE 16.20
Dividend Yield 1.05
Payout Ratio: 67.763%
Date2002-06-30
PE 18.05
Dividend Yield 1.02
Payout Ratio: 73.807%
Date2002-03-31
PE 14.80
Dividend Yield 1.26
Payout Ratio: 74.776%
Date2001-12-31
PE 10.79
Dividend Yield 1.25
Payout Ratio: 53.945%
Date2001-09-30
PE 10.59
Dividend Yield 1.46
Payout Ratio: 61.966%
Date2001-06-30
PE 9.90
Dividend Yield 1.46
Payout Ratio: 57.729%
Date2001-03-31
PE 10.87
Dividend Yield 1.40
Payout Ratio: 61.086%
Date2000-12-31
PE 12.41
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2000-09-30
PE 12.98
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2000-06-30
PE 12.16
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2000-03-31
PE 15.19
Dividend Yield 0.00
Payout Ratio: 0.000%

RSI:

91.35

Price:

$9.29

Market Cap:

36,837,637

EPS TTM:

1.45

PE Ratio:

6.43

PEPSG:

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Volume:

967

2 Year Price Change

0.843

Index 2 Year Price Change

1.358

5 Year Price Change

0.902

Index 5 Year Price Change

1.855
PESPG: Growth Rate of EPS projected to next quarter and 6 months trailing. Lower is better to help calculate nexts quarters PE Ratio today. Diluted shares effects the EPS reported and makes calculation show as extremely poor expected growth.

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