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CEFC DRIP Calculator & Dividend Yield 2026
3.76% YieldFinancial ServicesCommercial National Financial Corporation · OTC
Price: $15.70 · Annual div: $0.5900/share · Frequency: quarterly · Payout ratio: 35% · Ex-div: 2026-09-11
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Annual dividend income growth
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🎯 When CEFC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
CEFC Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-09-11Latest | 2026-10-01 | $0.1500 | 4.68% | $15.60 |
| 2026-06-12 | 2026-07-01 | $0.1500 | 4.86% | $14.80 |
| 2026-03-13 | 2026-04-01 | $0.1500 | 5.01% | $14.17 |
| 2025-12-12 | 2026-01-02 | $0.1400 | 5.30% | $13.21 |
| 2025-09-19 | 2025-10-01 | $0.1400 | 4.84% | $11.58 |
| 2025-06-13 | 2025-07-01 | $0.1400 | 6.66% | $10.51 |
| 2025-03-14 | 2025-04-01 | $0.1400 | 5.11% | $10.95 |
| 2024-12-13 | 2025-01-02 | $0.1400 | 5.74% | $9.75 |
| 2024-09-13 | 2024-10-01 | $0.1400 | 6.16% | $9.09 |
| 2024-06-14 | 2024-07-01 | $0.1400 | 6.24% | $8.98 |
| 2024-03-14 | 2024-04-01 | $0.1400 | 7.69% | $9.10 |
| 2023-12-14 | 2024-01-02 | $0.1400 | 8.68% | $8.06 |
| 2023-09-14 | 2023-10-02 | $0.1400 | 7.83% | $8.94 |
| 2023-06-15 | 2023-07-03 | $0.1400 | 7.00% | $10.00 |
| 2023-03-16 | 2023-04-03 | $0.1400 | 6.22% | $11.25 |
| 2022-12-15 | 2023-01-03 | $0.1400 | 6.60% | $10.60 |
| 2022-09-15 | 2022-10-03 | $0.1400 | 6.14% | $11.40 |
| 2022-06-16 | 2022-07-01 | $0.1400 | 5.65% | $12.40 |
| 2022-03-17 | 2022-04-01 | $0.1400 | 5.65% | $12.40 |
| 2021-12-16 | 2022-01-03 | $0.1400 | 4.96% | $11.30 |
| 2021-09-16 | 2021-10-01 | $0.1400 | 6.80% | $10.30 |
| 2021-06-17 | 2021-07-01 | $0.1400 | 6.51% | $10.75 |
| 2021-03-18 | 2021-04-01 | $0.1400 | 5.46% | $10.26 |
| 2020-12-15 | 2021-01-04 | $0.1400 | — | — |
| 2020-09-17 | 2020-10-01 | $0.1400 | — | — |
| 2020-06-18 | 2020-07-01 | $0.1400 | — | — |
| 2020-03-12 | 2020-04-01 | $0.1400 | — | — |
| 2019-12-12 | 2020-01-02 | $0.1300 | — | — |
| 2019-09-12 | 2019-10-01 | $0.1300 | — | — |
| 2019-06-13 | 2019-07-01 | $0.1300 | — | — |
| 2019-03-14 | 2019-04-01 | $0.1300 | — | — |
| 2018-12-13 | 2019-01-02 | $0.1300 | — | — |
| 2018-09-13 | 2018-10-01 | $0.1300 | — | — |
| 2018-06-14 | 2018-07-02 | $0.1300 | — | — |
| 2018-03-15 | 2018-04-02 | $0.1300 | — | — |
| 2017-12-14 | 2018-01-02 | $0.1300 | — | — |
| 2017-09-14 | 2017-10-02 | $0.1300 | — | — |
| 2017-06-14 | 2017-07-03 | $0.1300 | — | — |
| 2017-03-15 | 2017-04-03 | $0.1300 | — | — |
| 2016-12-14 | 2017-01-03 | $0.1300 | — | — |
| 2016-09-14 | 2016-10-03 | $0.1300 | — | — |
| 2016-06-15 | 2016-07-01 | $0.1300 | — | — |
| 2016-03-16 | 2016-04-01 | $0.1300 | — | — |
| 2015-12-16 | 2016-01-04 | $0.1300 | — | — |
| 2015-09-09 | 2015-10-01 | $0.1300 | — | — |
| 2015-06-10 | 2015-07-01 | $0.1300 | — | — |
| 2015-03-11 | 2015-04-01 | $0.1300 | — | — |
| 2014-12-10 | 2015-01-02 | $0.1300 | — | — |
| 2014-09-10 | 2014-10-01 | $0.1300 | — | — |
| 2014-06-11 | 2014-07-01 | $0.1300 | — | — |
| 2014-03-12 | 2014-04-01 | $0.1300 | — | — |
| 2013-12-18 | 2014-01-02 | $0.1300 | — | — |
| 2013-09-13 | 2013-10-01 | $0.1300 | — | — |
| 2013-06-13 | 2013-07-01 | $0.1300 | — | — |
| 2013-03-14 | 2013-04-01 | $0.1300 | — | — |
| 2012-12-12 | 2013-01-02 | $0.1300 | — | — |
| 2012-09-12 | 2012-10-01 | $0.1300 | — | — |
| 2012-06-14 | 2012-07-02 | $0.1300 | — | — |
| 2012-03-14 | 2012-04-02 | $0.1300 | — | — |
| 2011-12-07 | 2012-01-03 | $0.1300 | — | — |
| 2011-09-14 | 2011-10-03 | $0.1300 | — | — |
| 2011-06-15 | 2011-07-01 | $0.1300 | — | — |
| 2011-03-14 | 2011-04-01 | $0.1300 | — | — |
| 2010-12-15 | 2011-01-03 | $0.1300 | — | — |
| 2010-09-08 | 2010-10-01 | $0.1300 | — | — |
| 2010-06-09 | 2010-07-01 | $0.1300 | — | — |
| 2010-03-10 | 2010-04-01 | $0.1300 | — | — |
| 2009-12-09 | 2010-01-04 | $0.1300 | — | — |
| 2009-09-16 | 2009-10-01 | $0.1300 | — | — |
| 2009-06-10 | 2009-07-01 | $0.1300 | — | — |
| 2009-03-11 | 2009-04-01 | $0.1300 | — | — |
| 2008-12-10 | 2009-01-02 | $0.1300 | — | — |
| 2008-09-17 | 2008-10-01 | $0.1300 | — | — |
| 2008-06-11 | 2008-07-01 | $0.1300 | — | — |
| 2008-03-12 | 2008-04-01 | $0.1300 | — | — |
| 2007-12-12 | 2008-01-02 | $0.1300 | — | — |
| 2007-09-27 | 2007-10-01 | $0.1300 | — | — |
| 2007-06-13 | 2007-07-02 | $0.1300 | — | — |
| 2007-03-14 | 2007-04-02 | $0.1300 | — | — |
| 2006-12-13 | 2007-01-02 | $0.1300 | — | — |
About Commercial National Financial Corporation (CEFC) — Dividend Analysis 2026
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. It accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. The company offers personal loan products, such as automobile, recreational vehicle, boat, 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 programs, and capital access loan programs. It 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. The company 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.
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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 CEFC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CEFC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.76% | 0.96% | $376 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.20% | 0.40% | $320 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.01% | 0.21% | $301 / yr |
| 🇬🇧 UK ISA | 0% | 3.76% | 0.96% | $376 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.43% | 0.63% | $343 / yr |
| 🇨🇦 TFSA | 0% | 3.76% | 0.96% | $376 / yr |
| 🇨🇦 CA Taxable | 25% | 2.82% | 0.02% | $282 / yr |
| 🇦🇺 Super (pension) | 15% | 3.20% | 0.40% | $320 / yr |
| 🇦🇺 AU Taxable | 30% | 2.63% | -0.17% | $263 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.77% | -0.03% | $277 / yr |
| 🇫🇷 FR Taxable | 30% | 2.63% | -0.17% | $263 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CEFC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.59/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CEFC Dividend Payment Schedule
CEFC pays quarterly — 4 times per year. Ex-div: 2026-09-11.
📊 CEFC vs Financial Services Benchmarks
How CEFC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CEFC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CEFC Insider Activity
No recent SEC filings reported in the last 90 days.Peer Group
Similar companies in the same sectorCompare CEFC with peers: CEFC vs BAOB · CEFC vs CBAF · CEFC vs FFWC
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CEFC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Commercial National Financial Corporation (CEFC) is currently trading at $15.70, 8% below its 52-week high. The current dividend yield is 3.76% based on an annual payout of $0.5900 per share.
CEFC (Commercial National Financial Corporation) — 3.76% Dividend Yield Analysis
Commercial National Financial Corporation (CEFC) is a financial services stock currently trading at $15.70 with a dividend yield of 3.76%. It pays an annual dividend of $0.5900 per share. The payout ratio of 35% suggests the dividend is well-covered by earnings. Over the past 5 years, CEFC's dividend has declined at an average rate of 0.1% a year.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.