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Century Next Financial (CTUY) AI Stock Analysis
Century Next Financial
(Other OTC:CTUY)
CTUY scores well primarily due to strong financial performance (expanded profitability, low leverage, and strong cash conversion) and attractive valuation (low P/E). Technicals are supportive with price above key moving averages and positive MACD, though momentum indicators are more neutral-to-moderately strong than decisively bullish.
Century Next Financial (CTUY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $92.63M
- Dividend Yield
- 1.38%
- Average Volume (3M)
- 814
- Price to Earnings (P/E)
- 8.3
- Beta (1Y)
- 0.34
- Revenue Growth
- 2.23%
- EPS Growth
- 5.86%
- Country
- US
- Employees
- 36
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Century Next Financial Business Overview & Revenue Model
Company Description
Century Next Financial Corporation operates as the holding company for Century Next Bank, which delivers a wide array of financial services mainly to small and medium-sized businesses, professionals, and individual clients. The bank provides diverse...
Century Next Financial Financial Statement Overview
Summary
Strong fundamentals overall: revenue has scaled materially (from $28.2M in 2021 to $56.2M in 2025, +~9.3% TTM), margins have expanded (net margin ~28% TTM; EBIT margin ~35% TTM), leverage is very low (debt-to-equity ~0.08 TTM), and cash generation is strong (FCF $20.4M TTM; FCF-to-net income ~0.98). Key watch items are moderating growth after the 2023–2024 surge and uncertainty implied by the very low/near-zero operating cash flow coverage metric.
Income Statement
84Very PositiveBalance Sheet
86Very PositiveCash Flow
81Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.94M | 56.21M | 51.85M | 41.82M | 30.60M | 28.17M |
| Gross Profit | 43.23M | 41.70M | 35.99M | 28.09M | 25.12M | 23.53M |
| EBITDA | 20.67M | 20.01M | 15.07M | 8.96M | 7.45M | 6.86M |
| Net Income | 16.12M | 15.53M | 12.14M | 6.75M | 5.22M | 4.78M |
Balance Sheet | ||||||
| Total Assets | 931.20M | 876.92M | 870.24M | 765.85M | 643.32M | 553.47M |
| Cash, Cash Equivalents and Short-Term Investments | 3.26M | 188.95M | 222.29M | 136.73M | 64.39M | 82.12M |
| Total Debt | 8.45M | 8.54M | 8.52M | 8.45M | 14.45M | 14.45M |
| Total Liabilities | 824.27M | 775.95M | 787.18M | 693.96M | 578.81M | 493.16M |
| Stockholders Equity | 106.93M | 100.97M | 83.06M | 71.89M | 64.50M | 60.31M |
Cash Flow | ||||||
| Free Cash Flow | 20.37M | 16.27M | 12.54M | 9.62M | 5.44M | 9.04M |
| Operating Cash Flow | 20.76M | 16.71M | 13.40M | 10.18M | 6.01M | 9.63M |
| Investing Cash Flow | -50.59M | -81.44M | -82.81M | -60.82M | -121.16M | -31.73M |
| Financing Cash Flow | 13.90M | -12.65M | 90.12M | 113.19M | 85.45M | 32.78M |
Century Next Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTUY, the sentiment is Positive. The current price of 72.11 is below the 20-day moving average (MA) of 72.58, below the 50-day MA of 72.24, and above the 200-day MA of 67.33, indicating a neutral trend. The MACD of 0.19 indicates Positive momentum. The RSI at 50.26 is Neutral, neither overbought nor oversold. The STOCH value of 62.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CTUY.
Century Next Financial Peers Comparison
Overall Rating
- CTUY82Outperform
FUSB73Outperform
BOTJ69Neutral
UBCP69Neutral
BYFC51Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CTUY | 82Outperform | $93.26M | 8.31 | 15.41% | 1.38% | 2.23% | 5.86% |
| FUSB | 73Outperform | $90.83M | 11.92 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $107.95M | 9.06 | 14.94% | 1.67% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.21M | 10.16 | 11.53% | 6.58% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BYFC | 51Neutral | $106.33M | -4.30 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 44Neutral | $97.30M | -1107.53 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CTUY | Century Next Financial Corporation | 72.51 | 14.39 | 24.77% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.01 | 7.80 | 48.07% | |
| BYFC | Broadway Financial | 11.65 | 5.35 | 84.92% | |
| UBCP | United Bancorp | 14.43 | 2.45 | 20.42% | |
| FUSB | First Us Bancshares | 16.45 | 3.77 | 29.76% | |
| FNWB | First Northwest Bancorp | 10.30 | 1.40 | 15.73% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 27, 2026