Kevin Twardy - Commercial National Chief Officer

CEFC Stock  USD 9.50  0.49  4.90%   

Insider

Kevin Twardy is Chief Officer of Commercial National Financial
Phone989 875 4144
Webhttps://www.commercial-bank.com

Commercial National Management Efficiency

The company has return on total asset (ROA) of 0.0132 % which means that it generated a profit of $0.0132 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1956 %, meaning that it created $0.1956 on every $100 dollars invested by stockholders. Commercial National's management efficiency ratios could be used to measure how well Commercial National manages its routine affairs as well as how well it operates its assets and liabilities.
Commercial National Financial currently holds 37.4 M in liabilities. Debt can assist Commercial National until it has trouble settling it off, either with new capital or with free cash flow. So, Commercial National's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Commercial National sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Commercial to invest in growth at high rates of return. When we think about Commercial National's use of debt, we should always consider it together with cash and equity.

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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 was founded in 1893 and is headquartered in Ithaca, Michigan. Commercial Natl operates under BanksRegional classification in the United States and is traded on OTC Exchange. Commercial National Financial [CEFC] is a Pink Sheet which is traded between brokers over the counter.

Management Performance

Commercial National Management Team

Elected by the shareholders, the Commercial National's board of directors comprises two types of representatives: Commercial National inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Commercial. The board's role is to monitor Commercial National's management team and ensure that shareholders' interests are well served. Commercial National's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Commercial National's outside directors are responsible for providing unbiased perspectives on the board's policies.
Richard Prestage, Chairman Sec
Kevin Twardy, Chief Officer
Kevin Collison, President CEO, Director of the Corporation and Bank

Commercial Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Commercial National a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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Other Information on Investing in Commercial Pink Sheet

Commercial National financial ratios help investors to determine whether Commercial Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Commercial with respect to the benefits of owning Commercial National security.