OTCPK:CTUY

Stock Analysis Report

Century Next Financial

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Century Next Financial is not covered by any analysts.

Share Price & News

How has Century Next Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.6%

OTCPK:CTUY

2.1%

US Mortgage

2.1%

US Market


1 Year Return

1.9%

OTCPK:CTUY

-0.7%

US Mortgage

-0.04%

US Market

CTUY outperformed the Mortgage industry which returned -0.7% over the past year.

CTUY outperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

CTUYIndustryMarket
7 Day-0.6%2.1%2.1%
30 Day-4.6%-1.9%-3.2%
90 Day-2.3%0.6%2.8%
1 Year3.1%1.9%1.4%-0.7%2.2%-0.04%
3 Year90.1%87.0%32.9%24.1%41.5%32.3%
5 Year93.0%88.6%59.3%42.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Century Next Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Century Next Financial undervalued based on future cash flows and its price relative to the stock market?

11.25x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Century Next Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Century Next Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Century Next Financial is good value based on earnings compared to the US Mortgage industry average.

Century Next Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Century Next Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Century Next Financial is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

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

4.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Century Next Financial is high growth as no revenue estimate data is available.

Century Next Financial's earnings are expected to grow by 4.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Century Next Financial's revenue growth to the United States of America market average as no estimate data is available.

Century Next Financial's earnings growth is positive but not above the United States of America market average.

Century Next Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Century Next Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

23.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Century Next Financial has delivered over 20% year on year earnings growth in the past 5 years.

Century Next Financial's 1-year earnings growth exceeds its 5-year average (47.3% vs 23.1%)

Century Next Financial's earnings growth has exceeded the US Mortgage industry average in the past year (47.3% vs 32.9%).


Return on Equity

Century Next Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Century Next Financial used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Century Next Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Century Next Financial has an acceptable proportion of non-loan assets held.

Century Next Financial has a sufficient allowance for bad loans.

Century Next Financial's liabilities are made up of primarily low risk sources of funding.

Century Next Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Century Next Financial are broadly funded by customer deposits.

Century Next Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

0.74%

Current Dividend Yield


Dividend Yield and Payments Analysis

Century Next Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Century Next Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).

Century Next Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Century Next Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Century Next Financial's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Century Next Financial's salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average management tenure


CEO

Bill Hogan (56yo)

6.2yrs

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 ...


CEO Compensation Analysis

Insufficient data for Bill to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Insufficient data for Bill to compare compensation growth.


Management Age and Tenure

3.5yrs

Average Tenure

56yo

Average Age

The tenure for the Century Next Financial management team is about average.


Board Age and Tenure

6.4yrs

Average Tenure

62yo

Average Age

The tenure for the Century Next Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Mark Taylor (57yo)

    Executive VP & CFO

    • Tenure: 7.9yrs
    • Compensation: US$138.59k
  • Lorie Hamlin (38yo)

    Executive VP & COO

    • Tenure: 0.6yrs
  • Bill Hogan (56yo)

    President

    • Tenure: 6.2yrs
    • Compensation: US$145.59k
  • David Weeks (50yo)

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • William Brannon (70yo)

    Market President of Arkansas

    • Tenure: 0.8yrs
  • Alan Roberson

    Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Dan Reneau (78yo)

    Chairman of the Board

    • Tenure: 4.6yrs
    • Compensation: US$14.08k
  • J. Ewing (50yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$10.53k
  • Scott Thompson (61yo)

    Director

    • Tenure: 14.6yrs
    • Compensation: US$11.04k
  • Bill Hogan (56yo)

    President

    • Tenure: 6.2yrs
    • Compensation: US$145.59k
  • J. Walpole (66yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$11.64k
  • Dan O'Neal (63yo)

    Director

    • Tenure: 8.3yrs
    • Compensation: US$11.12k
  • Mike Coyle (67yo)

    Director

    • Tenure: 4.6yrs
  • Bart Dugdale (37yo)

    Director

    • Tenure: 3.2yrs
  • Jeff McGehee (38yo)

    Director

    • Tenure: 3.2yrs
  • Herb Hutchison (70yo)

    Director

    • Tenure: 0.8yrs

Company Information

Century Next Financial Corporation's company bio, 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
  • Market Cap: US$50.154m
  • Shares outstanding: 1.62m
  • Website: https://www.cnext.bank

Number of Employees


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

Biography

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 indivi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:12
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.