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CTUY

Century Next Financial OTCPK:CTUY Stock Report

Last Price

US$29.98

Market Cap

US$53.2m

7D

0%

1Y

-8.9%

Updated

02 Oct, 2022

Data

Company Financials
CTUY fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends1/6

CTUY Stock Overview

Century Next Financial Corporation operates as the holding company for the Century Next Bank that provides various banking services primarily to small and medium-sized businesses, professionals, and individuals.

Century Next Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Century Next Financial
Historical stock prices
Current Share PriceUS$29.98
52 Week HighUS$35.00
52 Week LowUS$29.50
Beta0.30
1 Month Change-0.40%
3 Month Change-1.70%
1 Year Change-8.88%
3 Year Change1.55%
5 Year Change19.40%
Change since IPO216.16%

Recent News & Updates

Shareholder Returns

CTUYUS MortgageUS Market
7D0%-5.4%-2.5%
1Y-8.9%-35.3%-23.2%

Return vs Industry: CTUY exceeded the US Mortgage industry which returned -35.3% over the past year.

Return vs Market: CTUY exceeded the US Market which returned -23.2% over the past year.

Price Volatility

Is CTUY's price volatile compared to industry and market?
CTUY volatility
CTUY Average Weekly Movementn/a
Mortgage Industry Average Movement3.2%
Market Average Movement6.8%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.8%

Stable Share Price: Insufficient data to determine CTUY's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CTUY's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1905n/aBill Hoganhttps://www.cnext.bank

Century Next Financial Corporation operates as the holding company for the Century Next Bank that provides various banking services primarily to small and medium-sized businesses, professionals, and individuals. The company offers savings account products; checking accounts and services; mortgage, reverse mortgage, construction, and business loans; home equity and business lines of credit; and real estate lending to residential and commercial customers. It also provides remote deposit capture services; cash management services, including employee payroll and electronic federal tax payment system, as well as consumer or business drafts or payment services; safe deposit boxes; gift and credit cards; and merchant, night deposit, mobile banking, and other services.

Century Next Financial Fundamentals Summary

How do Century Next Financial's earnings and revenue compare to its market cap?
CTUY fundamental statistics
Market CapUS$53.19m
Earnings (TTM)US$5.92m
Revenue (TTM)US$25.32m

9.0x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CTUY income statement (TTM)
RevenueUS$25.32m
Cost of RevenueUS$0
Gross ProfitUS$25.32m
Other ExpensesUS$19.41m
EarningsUS$5.92m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)3.33
Gross Margin100.00%
Net Profit Margin23.37%
Debt/Equity Ratio23.4%

How did CTUY perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

9%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is CTUY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CTUY?

Other financial metrics that can be useful for relative valuation.

CTUY key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CTUY's PE Ratio compare to its peers?

CTUY PE Ratio vs Peers
The above table shows the PE ratio for CTUY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.1x
WAYN Wayne Savings Bancshares
6.8xn/aUS$53.5m
HFBL Home Federal Bancorp of Louisiana
11.5xn/aUS$55.8m
9.6xn/aUS$53.6m
KSBI KS Bancorp
8.6xn/aUS$54.2m
CTUY Century Next Financial
9xn/aUS$53.2m

Price-To-Earnings vs Peers: CTUY is good value based on its Price-To-Earnings Ratio (9x) compared to the peer average (9.1x).


Price to Earnings Ratio vs Industry

How does CTUY's PE Ratio compare vs other companies in the US Mortgage Industry?

Price-To-Earnings vs Industry: CTUY is good value based on its Price-To-Earnings Ratio (9x) compared to the US Mortgage industry average (11.4x)


Price to Earnings Ratio vs Fair Ratio

What is CTUY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CTUY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CTUY's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of CTUY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CTUY ($29.98) is trading below our estimate of fair value ($62.1)

Significantly Below Fair Value: CTUY is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is Century Next Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


17.6%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Century Next Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Examine whether Century Next Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Century Next Financial's filings and announcements here.

Past Performance

How has Century Next Financial performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


14.9%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CTUY has high quality earnings.

Growing Profit Margin: CTUY's current net profit margins (23.4%) are higher than last year (18.3%).


Past Earnings Growth Analysis

Earnings Trend: CTUY's earnings have grown by 14.9% per year over the past 5 years.

Accelerating Growth: CTUY's earnings growth over the past year (43.3%) exceeds its 5-year average (14.9% per year).

Earnings vs Industry: CTUY earnings growth over the past year (43.3%) exceeded the Mortgage industry -0.6%.


Return on Equity

High ROE: CTUY's Return on Equity (9.6%) is considered low.


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Financial Health

How is Century Next Financial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CTUY's Assets to Equity ratio (10x) is moderate.

Allowance for Bad Loans: CTUY has a sufficient allowance for bad loans (469%).

Low Risk Liabilities: 97% of CTUY's liabilities are made up of primarily low risk sources of funding.

Loan Level: CTUY has an appropriate level of Loans to Assets ratio (82%).

Low Risk Deposits: CTUY's Loans to Deposits ratio (94%) is appropriate.

Level of Bad Loans: CTUY has an appropriate level of bad loans (0.3%).


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Dividend

What is Century Next Financial current dividend yield, its reliability and sustainability?

Dividend Score

1/6

Dividend Score 1/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


1.00%

Current Dividend Yield

Dividend Yield vs Market

Century Next Financial Dividend Yield vs Market
How does Century Next Financial dividend yield compare to the market?
SegmentDividend Yield
Company (Century Next Financial)1.0%
Market Bottom 25% (US)1.7%
Market Top 25% (US)4.7%
Industry Average (Mortgage)7.0%
Analyst forecast in 3 Years (Century Next Financial)n/a

Notable Dividend: CTUY's dividend (1%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.67%).

High Dividend: CTUY's dividend (1%) is low compared to the top 25% of dividend payers in the US market (4.73%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CTUY has been paying a dividend for less than 10 years.

Growing Dividend: CTUY's dividend payments have increased, but the company has only paid a dividend for 7 years.


Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (9.4%), CTUY's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


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Management

How experienced are the management team and are they aligned to shareholders interests?

7.0yrs

Average board tenure


CEO

Bill Hogan (59 yo)

26.75yrs

Tenure

US$145,586

Compensation

Mr. William D. Hogan, also known as Bill, has been the Chief Executive Officer and President of Century Next Financial Corporation since July 2013. Mr. Hogan has been the Chief Executive Officer and Presid...


Board Members

Experienced Board: CTUY's board of directors are considered experienced (7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

What is the ownership structure of CTUY?
Owner TypeNumber of SharesOwnership Percentage
Individual Insiders463,74826.1%
General Public1,310,54773.9%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Top 19 shareholders own 26.14% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
6.59%
Frank Cordaro
116,865$3.5m0%no data
5.53%
William Hogan
98,105$2.9m0%no data
2.86%
Scott Thompson
50,795$1.5m0%no data
2.2%
J. Ewing
38,948$1.2m0%no data
1.7%
J. Walpole
30,201$905.4k0%no data
1.34%
Dan O'Neal
23,749$712.0k0%no data
1.19%
Daniel Reneau
21,107$632.8k0%no data
1.05%
Mark Taylor
18,630$558.5k0%no data
0.99%
Michael Webb
17,557$526.4k0%no data
0.94%
David Weeks
16,702$500.7k0%no data
0.82%
Herbert Hutchison
14,488$434.4k0%no data
0.18%
Michael DuBos
3,255$97.6k0%no data
0.16%
Jeffrey McGehee
2,777$83.3k0%no data
0.15%
Bartlett Dugdale
2,736$82.0k0%no data
0.14%
William Willson
2,505$75.1k0%no data
0.11%
Lorie Hamlin
1,931$57.9k0%no data
0.078%
Charles Pope
1,381$41.4k0%no data
0.074%
William Brannon
1,307$39.2k0%no data
0.04%
Michael Coyle
709$21.3k0%no data

Company Information

Century Next Financial Corporation's employee growth, exchange listings and data sources


Key Information

  • Name: Century Next Financial Corporation
  • Ticker: CTUY
  • Exchange: OTCPK
  • Founded: 1905
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Implied Market Cap: US$53.193m
  • Shares outstanding: 1.77m
  • Website: https://www.cnext.bank

Location

  • Century Next Financial Corporation
  • 505 North Vienna Street
  • Ruston
  • Louisiana
  • 71270
  • United States


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CTUYOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2010

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/02 00:00
End of Day Share Price2022/09/15 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.