Commercial National Financial Corporation (CEFC)
OTCMKTS · Delayed Price · Currency is USD
15.75
0.00 (0.00%)
Jul 30, 2026, 12:57 PM EST
CEFC Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Net Income | 6.61 | 5.86 | 6.17 | 8.08 | 6.37 |
Depreciation & Amortization | 0.91 | 1.09 | 1.05 | 1 | 0.68 |
Gain (Loss) on Sale of Assets | - | -0.03 | 0 | 0.01 | -0.04 |
Gain (Loss) on Sale of Investments | 0.06 | - | -0.01 | - | -0.01 |
Provision for Credit Losses | -0.08 | -0.09 | -0.17 | - | -0.5 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.01 | 0 | - | - | 0.01 |
Accrued Interest Receivable | -0.26 | 0.08 | 0.1 | 0.05 | -0.82 |
Change in Other Net Operating Assets | -0.79 | -0.57 | -0.44 | -0.28 | -0.42 |
Other Operating Activities | - | -0.15 | - | - | - |
Operating Cash Flow | 6.45 | 6.19 | 6.7 | 8.85 | 5.25 |
Operating Cash Flow Growth | 4.13% | -7.65% | -24.25% | 68.57% | 4.41% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Capital Expenditures | -0.19 | -1.37 | -1.03 | -0.85 | -0.83 |
Investment in Securities | -8.47 | 14.17 | 16.65 | -22.76 | -33.13 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 24.3 | 21.52 | -6.15 | 40.61 | -42.36 |
Other Investing Activities | - | 0.59 | - | - | - |
Investing Cash Flow | 15.88 | 34.91 | 9.47 | 17 | -76.17 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Long-Term Debt Issued | 15.1 | 0.1 | 0.1 | 0.56 | 0.1 |
Total Debt Issued | 15.1 | 0.1 | 0.1 | 0.56 | 0.1 |
Long-Term Debt Repaid | -6.1 | -13.19 | -5.1 | -15.5 | -5.18 |
Total Debt Repaid | -6.1 | -13.19 | -5.1 | -15.5 | -5.18 |
Net Debt Issued (Repaid) | 9 | -13.09 | -5 | -14.94 | -5.08 |
Repurchase of Common Stock | -0.32 | - | - | - | -0 |
Common Dividends Paid | -2.21 | -2.22 | -2.22 | -2.22 | -2.22 |
Net Increase (Decrease) in Deposit Accounts | -27 | -3.14 | -37.09 | 23.67 | 64.16 |
Financing Cash Flow | -20.54 | -18.45 | -44.31 | 6.51 | 56.86 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Net Cash Flow | 1.79 | 22.65 | -28.13 | 32.36 | -14.06 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Free Cash Flow | 6.26 | 4.82 | 5.67 | 7.99 | 4.42 |
Free Cash Flow Growth | 29.91% | -15.05% | -29.06% | 80.94% | -6.55% |
Free Cash Flow Margin | 28.00% | 22.75% | 27.62% | 35.33% | 22.31% |
Free Cash Flow Per Share | 1.58 | 1.22 | 1.43 | 2.02 | 1.11 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
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 |
Cash Interest Paid | 5.93 | 8.06 | 6.89 | 2.98 | 2.46 |
Cash Income Tax Paid | 1.28 | 0.82 | 1.11 | 0.55 | 1.37 |