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CEFC

Commercial National Financial Corporation

USD

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Price alert · CEFC

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15.85 USD 0.00 0.00%
As of Oct 30, 2026
15.85 Day range 15.85
12.35 52-week range 16.00
YTD
+16.12%
1 year
+28.34%
Open
15.85
Prev close
15.85
Mkt cap
61.46M
Vol
1.70K
Avg vol
953
EPS
1.67
P/E
9.49
More statistics
Low
15.85
High
15.85

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Financial health

Altman Z-Score

0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.2×
FY 2016: 15.0×FY 2017: 14.0×FY 2018: 10.1×FY 2019: 9.0×FY 2020: 8.4×FY 2021: 8.1×FY 2022: 5.1×FY 2023: 5.9×FY 2024: 6.7×FY 2025: 8.2×
FY 2016 5y median 6.7× FY 2025
P/S 1.9×
FY 2016: 2.4×FY 2017: 2.3×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 1.7×FY 2021: 2.4×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.9×
FY 2016 5y median 1.6× FY 2025
P/B 1.0×
FY 2016: 1.6×FY 2017: 1.4×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.7×
FY 2016: 23.9×FY 2017: 15.3×FY 2018: 16.6×FY 2019: 8.3×FY 2020: 7.8×FY 2021: 11.7×FY 2022: 5.2×FY 2023: 6.5×FY 2024: 8.1×FY 2025: 8.7×
FY 2016 5y median 8.1× FY 2025
EV/EBITDA 2.5×
FY 2016: 158×FY 2017: 137×FY 2018: 13.3×FY 2019: 8.5×FY 2020: 3.9×FY 2021: 5.9×FY 2022: 0.4×FY 2023: 3.2×FY 2024: -0.2×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
EV/Sales 0.7×
FY 2016: 5.3×FY 2017: 4.7×FY 2018: 3.9×FY 2019: 2.5×FY 2020: 1.1×FY 2021: 2.3×FY 2022: 0.2×FY 2023: 1.0×FY 2024: -0.1×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
FCF Yield 11.6%
FY 2016: 4.2%FY 2017: 6.5%FY 2018: 6.0%FY 2019: 12.0%FY 2020: 12.9%FY 2021: 8.5%FY 2022: 19.2%FY 2023: 15.4%FY 2024: 12.3%FY 2025: 11.6%
FY 2016 5y median 12.3% FY 2025

Profitability

Gross Margin 79.4%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 76.2%FY 2020: 83.5%FY 2021: 88.9%FY 2022: 88.3%FY 2023: 74.3%FY 2024: 72.3%FY 2025: 79.4%
FY 2016 5y median 79.4% FY 2025
Operating Margin 28.6%
FY 2016: 23.2%FY 2017: 23.2%FY 2018: 25.9%FY 2019: 27.0%FY 2020: 24.6%FY 2021: 35.8%FY 2022: 38.5%FY 2023: 27.5%FY 2024: 23.9%FY 2025: 28.6%
FY 2016 5y median 28.6% FY 2025
Net Margin 23.5%
FY 2016: 16.1%FY 2017: 16.2%FY 2018: 21.2%FY 2019: 22.2%FY 2020: 20.5%FY 2021: 29.3%FY 2022: 31.5%FY 2023: 22.5%FY 2024: 20.1%FY 2025: 23.5%
FY 2016 5y median 23.5% FY 2025
ROE 11.7%
FY 2016: 10.6%FY 2017: 10.4%FY 2018: 12.8%FY 2019: 12.9%FY 2020: 10.6%FY 2021: 14.2%FY 2022: 20.6%FY 2023: 13.2%FY 2024: 11.6%FY 2025: 11.7%
FY 2016 5y median 13.2% FY 2025
ROIC 1.2%
FY 2016: 1.0%FY 2017: 1.2%FY 2018: 1.6%FY 2019: 4.4%FY 2020: 4.5%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 1.1%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025
ROA 1.2%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.8%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 1.1%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -3.5%
FY 2016: 29.8%FY 2017: 31.2%FY 2018: 0.5%FY 2019: 6.3%FY 2020: -5.9%FY 2021: 2.2%FY 2022: 18.1%FY 2023: 6.9%FY 2024: 6.5%FY 2025: -3.5%
FY 2016 FY 2025
Operating Income 15.4%
FY 2016: 0.1%FY 2017: 31.1%FY 2018: 12.4%FY 2019: 10.5%FY 2020: -14.2%FY 2021: 48.9%FY 2022: 27.0%FY 2023: -23.8%FY 2024: -7.2%FY 2025: 15.4%
FY 2016 FY 2025
EPS (diluted) 12.8%
FY 2016: -3.6%FY 2017: 7.5%FY 2018: 32.6%FY 2019: 11.4%FY 2020: -13.4%FY 2021: 46.4%FY 2022: 26.7%FY 2023: -23.5%FY 2024: -5.1%FY 2025: 12.8%
FY 2016 FY 2025
Free Cash Flow 29.9%
FY 2016: -48.3%FY 2017: 90.7%FY 2018: -11.7%FY 2019: 98.3%FY 2020: -13.4%FY 2021: -6.8%FY 2022: 81.4%FY 2023: -29.1%FY 2024: -15.1%FY 2025: 29.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.4×
FY 2016: 2.2×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 1.3×FY 2021: 1.1×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -4.2×
FY 2016: 85.6×FY 2017: 71.7×FY 2018: 5.9×FY 2019: 1.8×FY 2020: -2.4×FY 2021: -0.2×FY 2022: -3.5×FY 2023: -1.1×FY 2024: -5.0×FY 2025: -4.2×
FY 2016 5y median -3.5× FY 2025
Interest Coverage 1.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.1×FY 2020: 1.5×FY 2021: 3.2×FY 2022: 3.3×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 4.3%FY 2017: 4.3%FY 2018: 4.5%FY 2019: 4.5%FY 2020: 6.1%FY 2021: 4.3%FY 2022: 5.3%FY 2023: 6.0%FY 2024: 5.7%FY 2025: 4.1%
FY 2016 5y median 5.3% FY 2025
Payout Ratio 33.5%
FY 2016: 65.1%FY 2017: 60.3%FY 2018: 45.8%FY 2019: 41.1%FY 2020: 50.9%FY 2021: 34.9%FY 2022: 27.5%FY 2023: 36.0%FY 2024: 37.9%FY 2025: 33.5%
FY 2016 5y median 34.9% FY 2025

Annual · latest fiscal year ends 2025-12-31