Century Financial Corporation (CYFL)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 18 | 19 | 23 | 25 | 26 | 26 | - |
| Operating profit | $m | 11 | 11 | ||||||
| Net profit | $m | 5 | 5 | 6 | 8 | 9 | 9 | 9 | - |
| EPS reported | $ | 5.54 | 5.62 | ||||||
| Operating cashflow per share | $ | 5.77 | 0.00 | ||||||
| Capex per share | $ | 1.17 | 0.00 | ||||||
| FCF per share | $ | 4.60 | 0.00 | ||||||
| Free cash flow | $m | 8 | 0 | ||||||
| Net debt | $m | -10 | -9 | ||||||
| Book value equity | $m | 66 | 69 | ||||||
| Book value per share | $ | 40.00 | 41.62 | ||||||
| Number of shares | m | 1.65 | 1.65 | ||||||
| DPS (TTM paid) | $ | 1.40 | 1.43 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.40 | 8.77 | ||||||
| P/B LTM | x | 1.16 | 1.12 | ||||||
| P/S LTM | x | 2.98 | 2.95 | ||||||
| P/FCF LTM | x | 10.11 | 0.00 | ||||||
| EV/EBITDA LTM | x | 5.74 | 5.68 | ||||||
| EV/Sales LTM | x | 2.23 | 8.80 | ||||||
| Earnings Yield LTM | % | +11.90% | +11.40% | ||||||
| FCF Yield | % | +9.89% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +13.85% | +13.90% | ||||||
| ROIC | % | +1.92% | +2.05% | ||||||
| Operating margin | % | +37.49% | +40.95% | ||||||
| Gross margin | % | +84.94% | +84.57% | ||||||
| FCF/Sales | % | +25.19% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +2.40% | +3.88% | ||||||
| Sales Growth YoY | % | +2.59% | +3.82% | ||||||
| Net Income Growth YoY | % | +1.72% | +3.03% | ||||||
| FCF Growth | % | -21.76% | -100.00% | ||||||
| Operating Profit Growth | % | +2.76% | +3.82% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.01% | +2.84% | ||||||
| Dividend Growth | % | +7.69% | +10.00% | ||||||
| Payout Ratio | % | +25.26% | 0.00% | ||||||
| FCF/Debt | x | 1.49 | 0.00 | ||||||
| Net Debt/EBITDA | x | -0.80 | -4.98 | ||||||
| EBIT/Net interest | x | 2.58 | 2.86 | ||||||
| Net debt/market cap | % | +6.56% | +1.53% | ||||||
| Net debt/Equity | x | -0.14 | -0.13 | ||||||
| Gross debt/equity | x | 0.08 | 0.07 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Century Financial Corporation functions as the parent entity for Century Bank and Trust, delivering a comprehensive array of financial and trust services. For deposits, the institution offers fundamental checking and savings accounts, alongside term certificates and individual retirement accounts (IRAs). Its extensive lending portfolio addresses diverse requirements, encompassing residential mortgages, home equity loans, vehicle financing, and loans for specialty items, debt consolidation, and construction projects. Commercial clients can access business term loans, agri-business financing, small business loans, real estate funding, and lines of credit. The corporation also provides letters of credit and participates in government loan guarantee programs. Beyond its core banking products, Century Financial assists customers with account and deposit administration. Its receivables management solutions include direct payment processing, remote deposit capture, merchant services, lockbox processing, and cash concentration services. Digital banking is made convenient through online and mobile platforms. Additional client amenities include account alerts, night and direct deposit options, notary services, wire transfers, guarantee services, and ATM access. The company provides reorder and cashier's checks, and issues various cards such as debit, credit, gift, reloadable, and payroll cards, alongside card valet services. Safe deposit boxes are also available. The firm extends its expertise into specialized domains like trust management, investment planning, estate planning, general financial advisory, insurance consultation, and retirement planning. It caters to both individual consumers and business enterprises. Founded in 1890 and based in Coldwater, Michigan, Century Financial Corporation operates eleven banking offices located across Branch, St. Joseph, and Hillsdale Counties within Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Century Financial Corporation (CYFL)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Century Financial Corporation functions as the parent entity for Century Bank and Trust, delivering a comprehensive array of financial and trust services. For deposits, the institution offers fundamental checking and savings accounts, alongside term certificates and individual retirement accounts (IRAs). Its extensive lending portfolio addresses diverse requirements, encompassing residential mortgages, home equity loans, vehicle financing, and loans for specialty items, debt consolidation, and construction projects. Commercial clients can access business term loans, agri-business financing, small business loans, real estate funding, and lines of credit. The corporation also provides letters of credit and participates in government loan guarantee programs. Beyond its core banking products, Century Financial assists customers with account and deposit administration. Its receivables management solutions include direct payment processing, remote deposit capture, merchant services, lockbox processing, and cash concentration services. Digital banking is made convenient through online and mobile platforms. Additional client amenities include account alerts, night and direct deposit options, notary services, wire transfers, guarantee services, and ATM access. The company provides reorder and cashier's checks, and issues various cards such as debit, credit, gift, reloadable, and payroll cards, alongside card valet services. Safe deposit boxes are also available. The firm extends its expertise into specialized domains like trust management, investment planning, estate planning, general financial advisory, insurance consultation, and retirement planning. It caters to both individual consumers and business enterprises. Founded in 1890 and based in Coldwater, Michigan, Century Financial Corporation operates eleven banking offices located across Branch, St. Joseph, and Hillsdale Counties within Michigan.
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