Commercial National Financial Corporation (CEFC): fair value, margin of safety and Wheel Score

Is CEFC undervalued?

Commercial National Financial Corporation (CEFC) closed at 15.85 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 19.99, so the price sits 21% below it. 6 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

There is a wide gap between GLS Growth (0.7302) and 10 Cap (39.45). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, CEFC is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 67, growth score 8, out of 100).

Nine valuation models for CEFC

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Commercial National Financial Corporation scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 7.6/10 puts CEFC among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.

Returns on capital are moderate - ROIC 8.3%, ROE 11.7%, ROA 1.2% - with debt at 0.41 times equity and negative free cash flow.

The dividend yield is 3.72% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 30: No options

No options are listed on Commercial National Financial Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 30, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 2k shares a day on a market cap of $63M, with a beta of 0.42 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for CEFC in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Commercial National Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare CEFC with 7 of them   All Financial Services stocks →