Commercial National Financial (CEFC) Stock Price, News & Analysis

Company Overview

Commercial National Financial Corporation is the bank holding company for Commercial National Bank, a community-oriented financial institution headquartered in Cambridge, Ohio. Established in the early 20th century, the company offers a suite of banking and financial services tailored to meet the needs of individuals, small businesses and agricultural clients across southeastern Ohio. Through its OTCMKTS:CEFC listing, Commercial National Financial provides investors with exposure to a regionally focused commercial bank with deep local ties.

The company’s primary business activities encompass retail banking, commercial lending and wealth management. Retail customers can choose from a range of deposit products, including checking and savings accounts, certificates of deposit and money market accounts. Commercial National Financial also extends credit facilities such as commercial real estate loans, lines of credit and equipment financing to support local enterprises and agricultural operations. In addition, the company’s trust and investment services division offers fiduciary and estate planning solutions, trust administration and investment advisory services.

As a community bank, Commercial National Financial emphasizes personalized customer service and community engagement. Its branch network spans multiple locations in key Ohio markets, enabling convenient access to in-person banking while supporting local economic development. Over the years, the company has evolved its digital banking platform to include online and mobile account management, electronic funds transfers and remote deposit capabilities, ensuring a balance of traditional relationship banking and modern convenience.

Under the leadership of its executive management team and board of directors, Commercial National Financial has maintained a focus on prudent risk management and sustainable growth. The company’s governance structure and strategic initiatives aim to strengthen its competitive position in the regional banking sector, enhance shareholder value and contribute to the financial well-being of the communities it serves.

Key Stats

• Today's Range: $10.56 to $10.75
• 50-Day Range: $10.30 to $10.65
• 52-Week Range: $8.53 to $11.47
• Volume: 8,370 shs
• Average Volume: 1,876 shs
• Market Capitalization: $41.87 million
• P/E Ratio: 6.81
• Dividend Yield: 5.30%
• Price Target: N/A
• Consensus Rating: N/A

CEFC Stock Analysis - Frequently Asked Questions

How have CEFC shares performed this year?

Commercial National Financial's stock was trading at $9.85 at the beginning of 2025. Since then, CEFC shares have increased by 7.2% and is now trading at $10.56.

How were Commercial National Financial's earnings last quarter?

Commercial National Financial Corp. (OTCMKTS:CEFC) issued its quarterly earnings results on Thursday, April, 24th. The company reported $0.36 EPS for the quarter. The firm earned $5.31 million during the quarter.

How do I buy shares of Commercial National Financial?

Shares of CEFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Commercial National Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Commercial National Financial investors own include Aflac (AFL), Cinemark (CNK), Cheniere Energy (LNG), SLR Investment (SLRC), AT&T (T), United-Guardian (UG).

Company Calendar

• Last Earnings: 4/24/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:CEFC
• CIK: 828535
• Web: www.commercial-bank.com
• Phone: (989) 875-4144
• Fax: 517-875-4534
• Employees: 95
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.55
• Trailing P/E Ratio: 6.81
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $5.86 million
• Net Margins: 21.17%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $29.17 million
• Price / Sales: 1.44
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 3,965,000
• Free Float: 3,053,000
• Market Cap: $41.87 million
• Optionable: Not Optionable
• Beta: 0.36