6 Undervalued Banks Stocks for Monday, October 21
Discover the top 6 undervalued Banks stocks for Monday, October 21 based on AAII’s Stock Grades.Omar Beirat
Stock Evaluator: Commercial National Financial Corporation (CEFC)
Commercial National Financial Corporation CEFC
$15.60
0.00
0.00%
August 31, 2026 11:39:25 AM
EST
Volume: 0
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
| DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It offers personal loan products, such as automobiles, recreational vehicles, boats, 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, and capital access loan programs. The company 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. It 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.
Commentary & Analysis
Is Commercial Natl Finl Corp (Michigan) (CEFC) Stock a Good Investment?
Learn more about Commercial Natl Finl Corp (Michigan)'s (CEFC) stock grades for Growth and determine whether this Banks stock meets your investment needs.Jack Gilleland
Is Commercial Natl Finl Corp (Michigan) (CEFC) a Good Dividend Stock?
Learn more about Commercial Natl Finl Corp (Michigan)'s (CEFC) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Jack Gilleland
Financial Summary
| Share Statistics | CEFC | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $60.5 | $750.0 | 17% |
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| Shares Out (Mil) | 3.9 | 15.3 | 12% |
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| Institutional Ownership | na | 83.5% | na |
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| Float (Mil) | na | 21.7 | na |
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| Beta | 0.42 | 0.44 | 24% |
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| Avg Daily Volume (000s) | 2 | 45 | 9% |
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| Price Change (52-week) |
56.5% | 94.5% | 83% |
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| Growth | CEFC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 6.5% | 7.7% | 43% |
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| Net Income (5yr) | 8.4% | 11.1% | 52% |
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| EPS (5yr) | 8.7% | 10.1% | 44 |
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| Dividends (5yr) | 0.0% | 3.6% | 70% |
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| Cash Flow (5yr) | (38.9%) | (17.1%) | 12% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CEFC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $22 | $195 | 14% |
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| Net Income (TTM) (Mil) | $7 | $56 | 44% |
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| EPS (TTM) | $1.667 | $2.500 | 68% |
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| Operating Cash Flow (TTM) (Mil) | $6 | $33 | 37% |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $13 | $99 | 30% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CEFC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.09 | 1.25 | 25% |
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| P/E | 9.4 | 12.4 | 14% |
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| Dividend Yield | 3.8% | 2.2% | 90% |
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| PEG (5yr hist) | 1.1 | 1.1 | 48% |
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| Ratios | CEFC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.0% | 29.2% | 88% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 13.4% | 11.3% | 67% |
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| Liabilities to Assets | 89.8% | 89.7% | 85% |
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| F-Score | 4 | 4 | 33% |
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Commercial National Financial Corporation did not pass any screens on 9/2/2026.
