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
|Historical stock prices|
|Current Share Price||US$29.98|
|52 Week High||US$35.00|
|52 Week Low||US$29.50|
|1 Month Change||-0.40%|
|3 Month Change||-1.70%|
|1 Year Change||-8.88%|
|3 Year Change||1.55%|
|5 Year Change||19.40%|
|Change since IPO||216.16%|
Recent News & Updates
|CTUY||US Mortgage||US Market|
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.
|CTUY Average Weekly Movement||n/a|
|Mortgage Industry Average Movement||3.2%|
|Market Average Movement||6.8%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.8%|
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
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
|CTUY fundamental statistics|
Is CTUY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CTUY income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||3.33|
|Net Profit Margin||23.37%|
How did CTUY perform over the long term?See historical performance and comparison
1.0%Current Dividend Yield
Is CTUY undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is CTUY's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CTUY's PE Ratio compare to its peers?
|CTUY PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
WAYN Wayne Savings Bancshares
HFBL Home Federal Bancorp of Louisiana
KSBI KS Bancorp
CTUY Century Next Financial
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.
|Current PE Ratio||9x|
|Fair PE Ratio||n/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.
Discover undervalued companies
How is Century Next Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has Century Next Financial performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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.
Discover strong past performing companies
How is Century Next Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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%).
Discover healthy companies
What is Century Next Financial current dividend yield, its reliability and sustainability?
Dividend Score 1/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Century Next Financial Dividend Yield vs Market|
|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.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Bill Hogan (59 yo)
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...
Experienced Board: CTUY's board of directors are considered experienced (7 years average tenure).
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.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Century Next Financial Corporation's employee growth, exchange listings and data sources
- 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
- Century Next Financial Corporation
- 505 North Vienna Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CTUY||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 2010|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/02 00:00|
|End of Day Share Price||2022/09/15 00:00|
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.