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Commercial National Financial Corporation CEFC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Commercial National Financial Corporation (CEFC) is a Banks - Regional company in the Financial Services sector, currently trading at $14.10. It has a SharesGrow Score of 66/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $28M, +5.5%/yr average growth. Net income is $7M, growing at -5.3%/yr. Net profit margin is 23.5% (strong). Gross margin is 79.4% (-20.6 pp trend).

Balance sheet: total debt is $23M against $56M equity (Debt-to-Equity (D/E) ratio 0.41, conservative). Debt-to-assets is 4.2%. Total assets: $554M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 40/100 (Partial), Past 100/100 (Pass), Health 50/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 85/100 (Pass).

CEFC SharesGrow Score Overview

68/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 40/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CEFC

CEFC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CEFC: +5.5%/yr revenue is, -5.3%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CEFC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CEFC: Debt-to-Equity (D/E) ratio 0.41 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CEFC: Gross margin is 79.4% (-20.6 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CEFC: Net profit margin is 23.5%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range9.6-14.49

Volume100

Avg Volume (30D)2.51K

Market Cap$55.91M

Beta (1Y)0.43

Dividend Yield$0.5700

Share Statistics

EPS (TTM)1.67

Shares Outstanding$3.97M

IPO Date1999-01-06

Employees95

CEOKevin D. Collison

Financial Highlights & Ratios

Revenue (TTM)$28.15M

Gross Profit$22.35M

EBITDA$8.05M

Net Income$6.61M

Operating Income$8.05M

Total Cash$57.37M

Total Debt$23.31M

Net Debt$-34.06M

Total Assets$554.21M

Price / Earnings (P/E)8.4

Price / Sales (P/S)1.99

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS2022161077

Price Chart

CEFC

Commercial National Financial Corporation ↗ · Other OTC

Financial Services • Banks - Regional

9.60 52WK RANGE 14.49

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