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Commercial National Financial Corporation (CEFC) Fair Value & Analysis

Financial Services · US · Market cap $58.1M

Price$14.84
Fair Value$21.83
Upside+47.1%
Quality95/100
Evidence: High Range $16.38 – $27.29

Fair value as of: Jun 26, 2026

Analysis

Commercial National Financial Corporation (CEFC) currently trades at $14.84, while our model-based Fair Value estimate is $21.83 — implying the stock looks roughly 47.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 telephon…

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Frequently asked questions

Is Commercial National Financial Corporation (CEFC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $21.83 versus a price of $14.84 — about +47% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CEFC?
Our 21-model fair value for Commercial National Financial Corporation is $21.83 (as of Jun 26, 2026), built from audited fundamentals. The current price is $14.84.
What is the quality score of CEFC?
Commercial National Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.