Commercial National Financial Corporation (CEFC)
OTCMKTS
· Delayed Price · Currency is USD
13.96
-0.04 (-0.30%)
At close: Mar 6, 2026
CEFC Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 26.08 | 21.99 | 21.05 | 20.1 | 18.16 | Upgrade
|
| Interest Income on Investments | - | 4.77 | 4.34 | 3.32 | 1.22 | Upgrade
|
| Total Interest Income | 26.08 | 26.76 | 25.39 | 23.42 | 19.38 | Upgrade
|
| Interest Paid on Deposits | 5.88 | 7.12 | 5.76 | 2.08 | 1.57 | Upgrade
|
| Interest Paid on Borrowings | - | 0.96 | 1.26 | 0.92 | 0.84 | Upgrade
|
| Total Interest Expense | 5.88 | 8.09 | 7.03 | 3.01 | 2.41 | Upgrade
|
| Net Interest Income | 20.2 | 18.68 | 18.37 | 20.42 | 16.98 | Upgrade
|
| Net Interest Income Growth (YoY) | 8.18% | 1.68% | -10.04% | 20.27% | 9.38% | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | 0.01 | - | 0.01 | Upgrade
|
| Other Non-Interest Income | 2.07 | 2.4 | 1.98 | 2.21 | 2.3 | Upgrade
|
| Total Non-Interest Income | 2.07 | 2.41 | 2 | 2.21 | 2.32 | Upgrade
|
| Non-Interest Income Growth (YoY) | -14.08% | 20.43% | -9.46% | -4.98% | 4.82% | Upgrade
|
| Revenues Before Loan Losses | 22.27 | 21.08 | 20.37 | 22.62 | 19.3 | Upgrade
|
| Provision for Loan Losses | -0.08 | -0.09 | -0.17 | - | -0.5 | Upgrade
|
| Revenue | 22.35 | 21.18 | 20.53 | 22.62 | 19.8 | Upgrade
|
| Revenue Growth (YoY) | 5.53% | 3.15% | -9.26% | 14.27% | 21.57% | Upgrade
|
| Salaries and Employee Benefits | - | 8.68 | 7.95 | 7.92 | 7.16 | Upgrade
|
| Occupancy Expenses | - | 2.64 | 2.38 | 2.24 | 2.31 | Upgrade
|
| Selling, General & Administrative | - | 0.8 | 0.82 | 0.82 | 0.78 | Upgrade
|
| Other Non-Interest Expense | 14.29 | 1.99 | 1.87 | 1.77 | 1.77 | Upgrade
|
| Total Non-Interest Expense | 14.29 | 14.1 | 13.01 | 12.75 | 12.02 | Upgrade
|
| EBT Excluding Unusual Items | 8.05 | 7.07 | 7.53 | 9.88 | 7.78 | Upgrade
|
| Pretax Income | 8.05 | 7.07 | 7.53 | 9.88 | 7.78 | Upgrade
|
| Income Tax Expense | 1.44 | 1.21 | 1.35 | 1.8 | 1.41 | Upgrade
|
| Net Income | 6.61 | 5.86 | 6.17 | 8.08 | 6.37 | Upgrade
|
| Net Income to Common | 6.61 | 5.86 | 6.17 | 8.08 | 6.37 | Upgrade
|
| Net Income Growth | 12.76% | -5.01% | -23.62% | 26.94% | 45.86% | Upgrade
|
| Basic Shares Outstanding | 4 | 4 | 4 | 4 | 4 | Upgrade
|
| Diluted Shares Outstanding | 4 | 4 | 4 | 4 | 4 | Upgrade
|
| Shares Change (YoY) | -0.16% | - | - | - | - | Upgrade
|
| EPS (Basic) | 1.67 | 1.48 | 1.56 | 2.04 | 1.61 | Upgrade
|
| EPS (Diluted) | 1.67 | 1.48 | 1.56 | 2.04 | 1.61 | Upgrade
|
| EPS Growth | 12.94% | -5.01% | -23.62% | 26.94% | 45.95% | Upgrade
|
| Dividend Per Share | 0.560 | 0.560 | 0.560 | 0.560 | 0.560 | Upgrade
|
| Effective Tax Rate | 17.92% | 17.12% | 17.97% | 18.18% | 18.13% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.