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

CYFL is good value based on its Price-To-Earnings Ratio (7.3x) compared to the peer average (16.3x).

How does CYFL's PE Ratio compare vs other companies in the US Banks Industry?

CYFL is good value based on its Price-To-Earnings Ratio (7.3x) compared to the US Banks industry average (12.1x).

What is CYFL'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.

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

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

CYFL ($38.4) is trading below our estimate of [[fair value]] ($80.88)

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

Insufficient data to show price forecast.

CYFL Stock Overview

Operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services. More details

CYFL fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 52.5% below our estimate of its fair value

Earnings grew by 15.8% over the past year

Pays a reliable dividend of 3.39%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($64M)

My Notes

Capture your thoughts, links and company narrative

Century Financial Corporation Competitors

First Bancshares

OTCPK:FBSI

US$60.7m

blueharbor bank

OTCPK:BLHK

US$65.2m

Cullman Bancorp

OTCPK:CULL

US$61.7m

Broadway Financial

NasdaqCM:BYFC

US$67.3m

Price History & Performance

Summary of share price highs, lows and changes for Century Financial
Historical stock prices
Current Share Price	US$38.40
52 Week High	US$38.40
52 Week Low	US$27.75
Beta	0.53
1 Month Change	2.40%
3 Month Change	13.81%
1 Year Change	39.13%
3 Year Change	45.18%
5 Year Change	63.06%
Change since IPO	1,057.59%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CYFL	US Banks	US Market
7D	0%	0.4%	-0.5%
1Y	39.1%	33.2%	23.2%

Return vs Industry: CYFL exceeded the US Banks industry which returned 30.7% over the past year.

Return vs Market: CYFL exceeded the US Market which returned 23% over the past year.

Price Volatility

Is CYFL's price volatile compared to industry and market?
CYFL volatility
CYFL Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.2%

Stable Share Price: CYFL's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1890	n/a	Eric Beckhusen	www.centurybankandtrust.com

Century Financial Corporation operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services. The company's primary deposit products include checking, savings, term certificate, and individual retirement accounts. It also provides residential mortgages; home equity, auto, specialty item, debt consolidation, construction, business term, and agri-business loans; small business Loans; real estate financing; lines of credit; letters of credit; and government loan guaranty programs.

Century Financial Corporation Fundamentals Summary

How do Century Financial's earnings and revenue compare to its market cap?
CYFL fundamental statistics
Market cap	US$63.86m
Earnings (TTM)	US$8.75m
Revenue (TTM)	US$24.32m

7.3x

P/E Ratio

1.1x

P/B Ratio

Is CYFL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CYFL income statement (TTM)
Revenue	US$24.32m
Cost of Revenue	US$0
Gross Profit	US$24.32m
Other Expenses	US$15.57m
Earnings	US$8.75m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	5.26
Gross Margin	100.00%
Net Profit Margin	35.97%
Debt/Equity Ratio	8.7%

How did CYFL perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

4%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/09 06:32
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Century Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution