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Last update at 2026-06-22T16:15:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 8.05M | 7.07M | 7.53M | 9.88M | - |
| Minority interest | - | - | - | - | - |
| Net income | 6.61M | 5.86M | 6.17M | 8.08M | - |
| Selling general administrative | 0.53M | 0.50M | 0.50M | 0.78M | - |
| Selling and marketing expenses | - | 11.36M | 10.37M | 10.20M | - |
| Gross profit | 22.35M | 21.08M | 20.37M | 22.62M | - |
| Reconciled depreciation | 0.91M | 1.09M | 1.05M | 1.00M | - |
| Ebit | - | - | 7.53M | 9.88M | - |
| Ebitda | 8.05M | - | 8.57M | 10.87M | - |
| Depreciation and amortization | - | 1.09M | 1.05M | 1.00M | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | 8.05M | 6.98M | 7.53M | 9.88M | - |
| Other operating expenses | 20.10M | 22.10M | 19.87M | 15.75M | 1.77M |
| Interest expense | 5.88M | 8.09M | 7.03M | 3.01M | 0.00000M |
| Tax provision | 1.44M | 1.21M | 1.35M | 1.80M | - |
| Interest income | 25.85M | 26.50M | 25.25M | 23.34M | - |
| Net interest income | 19.97M | 18.42M | 18.22M | 20.34M | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 1.44M | 1.21M | 1.35M | 1.80M | 1.41M |
| Total revenue | 28.15M | 29.17M | 27.39M | 25.63M | - |
| Total operating expenses | 14.29M | 14.10M | 12.84M | 12.75M | - |
| Cost of revenue | 5.80M | 8.09M | 7.03M | 3.01M | - |
| Total other income expense net | - | 0.09M | -1.86521M | -1.77424M | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 6.61M | 5.86M | 6.17M | 8.08M | - |
| Net income applicable to common shares | - | - | - | - | 6.37M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 554.21M | 566.64M | 579.16M | 613.75M | - |
| Intangible assets | 0.08M | 0.15M | 0.23M | 0.30M | - |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | 38.84M | 71.99M | 1.73M |
| Total liab | 497.93M | 516.11M | 532.35M | 574.44M | - |
| Total stockholder equity | 56.28M | 50.53M | 46.81M | 39.31M | - |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | -3.03870M | 382.85M | 344.07M | - |
| Common stock | - | 20.52M | 20.52M | 20.52M | 20.52M |
| Capital stock | 20.20M | 20.52M | - | - | - |
| Retained earnings | 42.31M | 37.91M | 34.26M | 30.01M | 24.15M |
| Other liab | - | - | - | - | 0.14M |
| Good will | 3.10M | 3.10M | 3.10M | 3.10M | - |
| Other assets | - | 566.64M | - | - | 464.07M |
| Cash | 57.37M | 55.59M | 32.94M | 61.07M | - |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | 498.51M | 392.90M | 349.11M | 522.68M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -34.06363M | -44.27816M | -4.87226M | -27.97133M | - |
| Short term debt | - | 3.04M | 10.04M | 5.04M | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 23.31M | 14.95M | 28.07M | 33.10M | - |
| Other stockholder equity | 56.28M | -7.89462M | - | - | 0.23M |
| Property plant equipment | - | - | - | - | 8.48M |
| Total current assets | 57.37M | 57.33M | 38.84M | 71.99M | 55.33M |
| Long term investments | 39.44M | 23.06M | - | - | - |
| Net tangible assets | - | - | - | - | 41.41M |
| Short term investments | - | - | - | - | - |
| Net receivables | - | - | - | - | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts payable | - | - | - | - | 515.06M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | -7.89462M | -7.97211M | -11.21558M | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 24.93M | 103.85M | 18.30M | 22.42M | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 496.84M | 509.31M | 540.32M | 541.76M | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -10.43443M | 34.91M | 9.47M | 17.00M | -33.13049M |
| Change to liabilities | - | - | - | - | 0.00000M |
| Total cashflows from investing activities | 15.88M | 34.91M | 9.47M | 17.00M | -76.16555M |
| Net borrowings | 9.00M | -13.09300M | -5.00000M | -14.94080M | -5.08000M |
| Total cash from financing activities | -20.53743M | -18.45270M | -44.30631M | 6.51M | 56.86M |
| Change to operating activities | - | - | - | - | -0.42068M |
| Net income | 6.61M | 5.86M | 6.17M | 8.08M | 6.37M |
| Change in cash | 1.79M | 22.65M | -28.12883M | 32.36M | -14.05941M |
| Begin period cash flow | 55.59M | 32.94M | 61.07M | 28.71M | - |
| End period cash flow | 57.37M | 55.59M | 32.94M | 61.07M | - |
| Total cash from operating activities | 6.45M | 6.19M | 6.70M | 8.85M | 5.25M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.91M | 1.09M | 1.05M | 1.00M | 0.68M |
| Other cashflows from investing activities | 26.27M | 24.35M | -0.61627M | 0.45M | - |
| Dividends paid | 2.21M | 2.22M | 2.22M | 2.22M | -2.22057M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | 0.08M | 0.10M | 0.05M | - |
| Sale purchase of stock | -0.32091M | 0.00000M | - | 0.00000M | - |
| Other cashflows from financing activities | -27.00409M | -3.13913M | -37.08574M | 23.67M | 64.16M |
| Change to netincome | - | - | - | - | -0.54924M |
| Capital expenditures | 0.19M | 1.37M | 1.03M | 0.85M | 0.83M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -0.43001M | 0.10M | -0.33695M | -0.23336M | - |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | 0.26M | -0.86213M | -0.17966M | 0.00527M | - |
| Free cash flow | 6.26M | 4.82M | 5.67M | 7.99M | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CEFC Commercial National Financial Corporation |
- -% | 14.75 | 8.50 | 12.67 | 2.52 | 0.99 | 3.56 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural and 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 offers personal loan products, such as automobiles, recreational vehicles, boats, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including business lines of credit, SBA loans, equipment lines of credit, real estate loans, USDA loan, and capital access loan programs. The company also provides treasury management services comprising merchant, automated clearing houses and remote deposit services; debit, credit, and ATM cards; and online services consisting of online bill pay, and mobile, online, and telephone banking. It provides its services through offices located in Barry, Gratiot, Ingham, Montcalm, and Ottawa counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.
101 North Pine River Street, Ithaca, MI, United States, 48847
| Name | Title | Year Born |
|---|---|---|
| Mr. Richard S. Prestage | Chairman & Sec. | 1945 |
| Mr. Kevin D. Collison | Pres, CEO & Director | NA |
| Mr. Kevin A. Twardy | Chief Financial Officer | NA |
| Mr. Richard S. Prestage | Chairman & Secretary | 1945 |
| Mr. Kevin D. Collison | President, CEO & Director | NA |
| Mr. Benjamin Z. Ogle | Chief Financial Officer | NA |
| Mr. Andrew P. Shafley | Executive VP & Chief Lending Officer of Commercial Bank | 1965 |
| Ms. Kimberly S. Campbell | Senior VP, Compliance & CRA Officer of Commercial Bank | NA |
| Gregory R. Hansen | Senior Vice President & Commercial Loan Manager of Commercial Bank | NA |
| Sarah J. Doherty | Senior VP of Retail & Business Operations of Commercial Bank. | NA |
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