CEFC Stock - Commercial National Financial Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $21.08M | $27.39M | $25.63M | $21.71M | $21.25M |
| Gross Profit | $21.08M | $20.37M | $22.62M | $19.30M | $17.74M |
| Gross Margin | 100.0% | 74.3% | 88.3% | 88.9% | 83.5% |
| Operating Income | $6.98M | $7.53M | $9.88M | $7.78M | $5.22M |
| Net Income | $5.86M | $6.17M | $8.08M | $6.37M | $4.36M |
| Net Margin | 27.8% | 22.5% | 31.5% | 29.3% | 20.5% |
| EPS | $1.48 | $1.56 | $2.04 | $1.61 | $1.10 |
Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, 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 also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services. It provides its services through 12 offices located in Barry, Gratiot, Ingham, Isabella, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.
Visit WebsiteEarnings History & Surprises
CEFCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 19, 2026 | — | — | — | — |
Q4 2025 | Oct 24, 2025 | — | $0.45 | — | — |
Q3 2025 | Jul 28, 2025 | — | $0.41 | — | — |
Q2 2025 | Apr 24, 2025 | — | $0.36 | — | — |
Q1 2025 | Jan 21, 2025 | — | $0.47 | — | — |
Q4 2024 | Oct 25, 2024 | — | $0.36 | — | — |
Q3 2024 | Jul 26, 2024 | — | $0.36 | — | — |
Q2 2024 | Apr 26, 2024 | — | $0.29 | — | — |
Q1 2024 | Jan 26, 2024 | — | $0.37 | — | — |
Q4 2023 | Oct 27, 2023 | — | $0.43 | — | — |
Q3 2023 | Jul 25, 2023 | — | $0.39 | — | — |
Q2 2023 | Apr 26, 2023 | — | $0.37 | — | — |
Q1 2023 | Jan 30, 2023 | — | $0.48 | — | — |
Q4 2022 | Oct 27, 2022 | — | $0.40 | — | — |
Q3 2022 | Jul 26, 2022 | — | $0.38 | — | — |
Q2 2022 | Apr 29, 2022 | — | $0.77 | — | — |
Q1 2022 | Jan 31, 2022 | — | $0.45 | — | — |
Q4 2021 | Oct 29, 2021 | — | $0.37 | — | — |
Q3 2021 | Jul 28, 2021 | — | $0.36 | — | — |
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