Stock Analysis Report

Executive Summary

Century Financial Corporation operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services.



Flawless balance sheet with proven track record.

Share Price & News

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

Latest Share Price and Events

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: CYFL underperformed the US Banks industry which returned 0.2% over the past year.

Return vs Market: CYFL underperformed the US Market which returned 6.7% over the past year.

Share holder returns

7 Day-2.3%1.4%1.0%
30 Day-0.9%-2.6%-1.8%
90 Day-4.4%0.8%-1.8%
1 Year1.0%-2.0%3.1%0.2%9.1%6.7%
3 Year33.6%22.4%52.0%41.5%46.0%36.6%
5 Year99.1%71.0%69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

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

Simply Wall St News

No news available


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


Price to Earnings (PE) ratio

Intrinsic Value Based on Future Cash Flows

Undervalued: CYFL ($21.55) is trading above our estimate of fair value ($17.99)

Significantly Undervalued: CYFL is trading above our estimate of fair value.

Price Based on Earnings

PE vs Industry: CYFL is good value based on its PE Ratio (9.1x) compared to the Banks industry average (12.5x).

PE vs Market: CYFL is good value based on its PE Ratio (9.1x) compared to the US market (17.5x).

Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate CYFL's PEG Ratio to determine if it is good value.

Price Based on Value of Assets

PB vs Industry: CYFL is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).

Next Steps

Future Growth

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


Forecasted annual earnings growth

Earnings and Revenue Growth Estimates

Future Annual Growth Analysis

Earnings vs Savings Rate: CYFL's forecast earnings growth (3.4% per year) is above the savings rate (2.7%).

Earnings vs Market: CYFL's earnings (3.4% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: CYFL's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if CYFL's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CYFL's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Estimates

Future Return on Equity

High Future ROE: Insufficient data to determine if CYFL's Return on Equity is forecast to be high in 3 years time

Next Steps

Past Performance

How has Century Financial performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Past Earnings Growth Analysis

Earnings Trend: CYFL's earnings have grown by 5.7% per year over the past 5 years.

Accelerating Growth: CYFL's earnings growth over the past year (231.2%) exceeds its 5-year average (5.7% per year).

Earnings vs Industry: CYFL earnings growth over the past year (231.2%) exceeded the Banks industry 31.8%.

Return on Equity

High ROE: CYFL's Return on Equity (11%) is considered low.

Return on Assets

ROA vs Industry: CYFL has a higher Return on Assets than the Banks industry average last year.

Return on Capital Employed

ROCE Improving: Insufficient data to calculate CYFL's Return on Capital Employed to determine if it has improved over the past 3 years.

Next Steps

Financial Health

How is Century 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

Inventory Level: CYFL has a low level of unsold assets or inventory.

Debt Coverage by Assets: CYFL's debt is covered by short term assets (assets are 5.896000x debt).

Financial Institutions Analysis

Asset Level: CYFL's level of assets compared to its equity is low.

Allowance for Bad Loans: CYFL has a sufficient allowance for bad loans.

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

Loan Level: CYFL has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CYFL's loans are broadly funded by customer deposits.

Level of Bad Loans: CYFL has an appropriate level of bad loans (0.86%)

Next Steps


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


Current Dividend Yield

Dividend Yield vs Market


Current dividend yield vs market & industry

Dividend Yield and Payments Analysis

Notable Dividend: CYFL's dividend (3.16%) is higher than the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: CYFL's dividend (3.16%) is low compared to the top 25% of dividend payers in the US market (3.77%).

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

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

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19%), CYFL's dividend payments are well covered by earnings.

Future Payout to Shareholders

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

Next Steps


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


Average board tenure


Eric Beckhusen 0




Mr. Eric H. Beckhusen serves as the Chairman and Chief Executive Officer at Century Bank and Trust (Coldwater, MI). Mr. Beckhusen serves as the Chief Executive Officer of Century Financial Corporation. He  ...

Board Age and Tenure


Average Tenure

Experienced Board: CYFL's board of directors are considered experienced (5.3 years average tenure).

Insider Trading

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

Ownership Breakdown

Management Team

  • Eric Beckhusen

    Chairman & CEO

    • Tenure: 7.8yrs
  • Eric Wynes

    President & Director

    • Tenure: 6.8yrs

Board Members

  • Jim Gordon (64yo)


    • Tenure: 3.8yrs
  • Eric Beckhusen

    Chairman & CEO

    • Tenure: 7.8yrs
  • Bruce S. Gosling


    • Tenure: 7.8yrs
  • Christy Lowe


    • Tenure: 0yrs
  • Eric Wynes

    President & Director

    • Tenure: 6.8yrs
  • Robert Brothers


    • Tenure: 2.8yrs
  • Thomas Kramer


    • Tenure: 20.8yrs
  • Jeff Budd


    • Tenure: 2.4yrs
  • William Pridgeon


    • Tenure: 1.8yrs

Company Information

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

Key Information

  • Name: Century Financial Corporation
  • Ticker: CYFL
  • Exchange: OTCPK
  • Founded: 1890
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$40.814m
  • Shares outstanding: 1.89m
  • Website: https://www.centurybankandtrust.com


  • Century Financial Corporation
  • 100 West Chicago Street
  • Coldwater
  • Michigan
  • 49036
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CYFLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1991


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, s ...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 01:07
End of Day Share Price2019/10/11 00:00
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.


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