Century Next Financial (CTUY) AI Stock Analysis

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Century Next Financial

(Other OTC:CTUY)

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Rating:77Outperform

Price Target:$83.00▲(13.31% Upside)

Action:reiterated

Date:10/27/26

The overall score of 77 is driven primarily by the company's outstanding financial performance, marked by a fortress-like balance sheet, high profitability, and excellent cash conversion. An attractive valuation with a low P/E ratio further supports the positive view. Technical indicators confirm a healthy uptrend without being overbought. The main factor capping a higher score is the normalization of revenue growth from previously elevated levels.

Positive Factors

Scale and Margin ExpansionRevenue has nearly doubled since 2021 while profitability has expanded materially, indicating stronger operating scale and earnings capacity. TTM net and EBIT margins of about 28% and 35% provide a substantial base for reinvestment and resilience over the next several quarters.

Negative Factors

Moderating Revenue GrowthGrowth has slowed after the sharp expansion seen in 2023–2024, raising the requirement for continued execution to sustain current profitability. Slower top-line momentum could limit operating leverage and make future earnings growth more dependent on maintaining elevated margins.

Century Next Financial (CTUY) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $93.25M
Dividend Yield: 1.37%
Average Volume (3M): 841
Price to Earnings (P/E): 8.4
Beta (1Y): 0.36
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

Century Next Financial exhibits excellent financial health. Profitability is strong with a TTM net margin of 28.3% and robust cash flow generation, where free cash flow closely tracks net income. The balance sheet is a key strength, featuring exceptionally low leverage (debt-to-equity of 0.079) and a healthy 15.4% return on equity. The primary consideration is a deceleration in revenue growth to a more moderate, yet still solid, high-single-digit pace.

Income Statement

78Positive

Balance Sheet

85Very Positive

Cash Flow

82Very Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price73.25

Price Trends

50DMA72.46Positive

100DMA70.97Positive

200DMA67.87Positive

Market Momentum

MACD0.25Negative

RSI56.25Neutral

STOCH74.75Neutral

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 73.25 is above the 20-day moving average (MA) of 72.87, above the 50-day MA of 72.46, and above the 200-day MA of 67.87, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 56.25 is Neutral, neither overbought nor oversold. The STOCH value of 74.75 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

UnderperformOutperform

Sector (68)

Financial Indicators

CTUY against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTUY	77Outperform	$93.57M	8.37	15.41%	1.37%	2.23%	5.86%
BOTJ	72Outperform	$115.36M	9.39	14.94%	1.61%	7.06%	52.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65Neutral	$84.36M	12.13	7.58%	1.67%	3.74%	43.52%
UBCP	59Neutral	$81.96M	10.74	11.35%	6.55%	6.48%	-0.99%
BYFC	51Neutral	$108.79M	-4.29	-7.74%	―	10.60%	-935.88%
FNWB	42Neutral	$94.23M	-1048.39	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

CTUY and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CTUY	Century Next Financial Corporation	73.25	15.12	26.02%
BOTJ	Bank Of The James Financial Group, Inc.	24.77	8.38	51.11%
BYFC	Broadway Financial	11.71	5.69	94.52%
UBCP	United Bancorp	14.49	2.43	20.16%
FUSB	First Us Bancshares	16.74	3.58	27.22%
FNWB	First Northwest Bancorp	9.84	0.57	6.15%

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.

Date of analysis: Oct 27, 2026

Century Next Financial AI Stock Analysis