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Century Next Financial
(OTC:CTUY)
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Rating:83Outperform
Price Target:
$82.00
▲(15.49% Upside)
Action:Reiterated
Date:07/24/26
CTUY scores well primarily due to strong financial performance (rapid TTM revenue growth, high profitability, and low leverage) and an attractive valuation (low P/E with a dividend). The main offset is technical conditions that look overbought (RSI ~76), which can increase near-term volatility despite an underlying uptrend.
Positive Factors
High Profitability
Sustained high TTM margins indicate strong unit economics and pricing power. Elevated operating and net margins improve internal funding for growth, support dividends and buybacks, and create a cushion versus cyclical revenue swings, enhancing long-term earnings durability.
Negative Factors
Historical Margin Volatility
Sharp margin improvement may reflect cyclical or episodic factors; prior lower margins show profitability can swing. If margins revert, earnings and cash generation could compress quickly, making near-term margins less reliable as a base for multi-quarter planning or progressive capital returns.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high TTM margins indicate strong unit economics and pricing power. Elevated operating and net margins improve internal funding for growth, support dividends and buybacks, and create a cushion versus cyclical revenue swings, enhancing long-term earnings durability.
Read all positive factors
Century Next Financial (CTUY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$91.94M
Dividend Yield1.39%
Average Volume (3M)349.00
Price to Earnings (P/E)8.5
Beta (1Y)0.32
Revenue Growth4.63%
EPS Growth13.34%
CountryUS
Employees36
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.59
Shares Outstanding1,277,430
10 Day Avg. Volume278
30 Day Avg. Volume349
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)1.07
Price to Sales (P/S)1.91
P/FCF Ratio6.62
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 diver...
Century Next Financial Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
83
Very Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.88M | 56.21M | 51.85M | 41.82M | 30.60M | 28.17M |
| Gross Profit | 42.70M | 41.70M | 35.99M | 28.09M | 25.12M | 23.53M |
| EBITDA | 20.05M | 20.01M | 15.07M | 8.96M | 7.45M | 6.86M |
| Net Income | 15.83M | 15.53M | 12.14M | 6.75M | 5.22M | 4.78M |
Balance Sheet | ||||||
| Total Assets | 916.70M | 876.92M | 870.24M | 765.85M | 643.32M | 553.47M |
| Cash, Cash Equivalents and Short-Term Investments | 3.21M | 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 | 810.20M | 775.95M | 787.18M | 693.96M | 578.81M | 493.16M |
| Stockholders Equity | 106.50M | 100.97M | 83.06M | 71.89M | 64.50M | 60.31M |
Cash Flow | ||||||
| Free Cash Flow | 17.52M | 16.27M | 12.54M | 9.62M | 5.44M | 9.04M |
| Operating Cash Flow | 17.84M | 16.71M | 13.40M | 10.18M | 6.01M | 9.63M |
| Investing Cash Flow | -51.82M | -81.44M | -82.81M | -60.82M | -121.16M | -31.73M |
| Financing Cash Flow | -25.01M | -12.65M | 90.12M | 113.19M | 85.45M | 32.78M |
Century Next Financial Technical Analysis
Positive
71.00
Price Trends
69.00
Positive
66.84
Positive
64.06
Positive
Market Momentum
0.85
Positive
60.91
Neutral
65.18
Neutral
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 71 is below the 20-day moving average (MA) of 71.24, above the 50-day MA of 69.00, and above the 200-day MA of 64.06, indicating a bullish trend. The MACD of 0.85 indicates Positive momentum. The RSI at 60.91 is Neutral, neither overbought nor oversold. The STOCH value of 65.18 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $91.94M | 8.47 | 15.92% | 1.41% | 4.63% | 13.34% | |
79 Outperform | $122.03M | 10.68 | 14.30% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.00M | 12.13 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $90.10M | 11.06 | 11.53% | 5.92% | 6.21% | 8.32% | |
51 Neutral | $111.78M | -4.54 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $105.96M | 70.69 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
CTUY
Century Next Financial
71.99
21.86
43.60%
BOTJ
Bank Of The Jame Financial
27.01
11.86
78.28%
BYFC
Broadway Financial
12.31
4.30
53.68%
UBCP
United Bancorp
15.71
2.07
15.20%
FUSB
First US Bancshares
16.38
4.18
34.22%
FNWB
First Northwest Bancorp
11.36
3.92
52.69%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.