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 banking organization headquartered in Peoria, Illinois. The company provides a suite of financial products and services to retail and commercial customers across central and western Illinois through its subsidiary bank.

Commercial National Bank offers a range of deposit products, including checking accounts, savings accounts, money market accounts and certificates of deposit. On the lending side, the bank extends commercial, real estate, agricultural and consumer loans, tailoring financing solutions to meet the needs of local businesses, farmers, homeowners and individual borrowers.

In addition to traditional banking services, the company’s trust and investment division delivers wealth management, fiduciary administration and estate planning services. These offerings are designed to help clients preserve assets, plan for retirement and manage intergenerational wealth transfers, all backed by personalized attention from dedicated advisors.

Guided by a senior management team with deep roots in community banking, Commercial National Financial emphasizes local decision-making and relationship-driven service. The company’s focus on customer engagement and regional market expertise supports its ongoing efforts to foster economic growth and strong client relationships throughout its service area.

Key Stats

• Today's Range: $15.54 to $15.54
• 50-Day Range: $14.50 to $15.54
• 52-Week Range: $11.01 to $15.54
• Volume: N/A
• Average Volume: 1,323 shs
• Market Capitalization: $60.30 million
• P/E Ratio: 8.88
• Dividend Yield: 3.86%
• Price Target: N/A
• Consensus Rating: N/A

Commercial National Financial Stock Analysis - MarketRank™

Commercial National Financial scored higher than 40% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Commercial National Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Commercial National Financial is 8.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.01.

Price to Earnings Ratio vs. Sector

The P/E ratio of Commercial National Financial is 8.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.82.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Commercial National Financial has been sold short.

Short Interest Ratio / Days to Cover

Commercial National Financial has a short interest ratio ("days to cover") of 0.01, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Commercial National Financial has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Commercial National Financial is a leading dividend payer. It pays a dividend yield of 3.86%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Commercial National Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Commercial National Financial is 34.48%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.13

News Sentiment

Commercial National Financial has a news sentiment score of 0.13. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Commercial National Financial this week, compared to 0 articles on an average week.

Search Interest

1 people have searched for CEFC on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Commercial National Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

23.00% of the stock of Commercial National Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Commercial National Financial has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 7/27/2026
• Today: 7/29/2026
• Fiscal Year End: 12/31/2026

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): $1.74
• Trailing P/E Ratio: 8.88
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.61 million
• Net Margins: 24.53%
• 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: $28.15 million
• Price / Sales: 2.14
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 3,880,000
• Free Float: 2,986,000
• Market Cap: $60.30 million
• Optionable: Not Optionable
• Beta: 0.39