Century Next Financial (CTUY) AI Stock Analysis

• Market Cap: $65.34M
• Dividend Yield: 1.48%
• Average Volume (3M): 245.00
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.38
• Revenue Growth: 13.51%
• EPS Growth: 38.67%
• Country: US
• Employees: 36
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.14
• Shares Outstanding: 1,277,430
• 10 Day Avg. Volume: 282
• 30 Day Avg. Volume: 245
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.34
• Enterprise Value/Revenue: 1.61
• Enterprise Value/Gross Profit: 2.03
• Enterprise Value/Ebitda: 4.95
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: ―

Century Next Financial is well-positioned with strong financials and attractive valuation metrics. The stock shows stable technical indicators, and despite the lack of new insights from the earnings call, the overall outlook remains positive.

Century Next Financial Business Overview & Revenue Model

Company Description

Century Next Financial Corporation (CTUY) is a financial holding company that primarily operates through its subsidiary, Century Next Bank. The company is focused on providing a comprehensive range of banking products and services tailored to meet the needs of individuals, businesses, and communities. These services include personal and business banking, mortgage lending, and various other financial solutions designed to support the financial well-being of its clients.

How the Company Makes Money

Century Next Financial makes money primarily through the interest income generated from its lending activities, including personal, commercial, and mortgage loans. The company also earns revenue from service charges on deposit accounts, fees from loan origination, and various other banking-related services. Additionally, Century Next Financial benefits from investments in securities, which contribute to its overall income. The bank's profitability is also influenced by its ability to manage interest rate spreads between the interest it pays on deposits and the interest it earns on loans and investments.

Century Next Financial Financial Statement Overview

Summary

Century Next Financial exhibits strong financial performance with impressive revenue growth and healthy profit margins. The company effectively manages its debt and generates robust cash flows, indicating solid financial health.

Income Statement

Century Next Financial has shown strong revenue growth with a 10.4% increase from the previous year, and an even more impressive jump from two years ago. The net profit margin is healthy at 23.8% TTM, indicating efficient cost management. The EBIT margin is robust at 88.5% TTM, although EBITDA margin is lower at 9.2%, possibly due to high depreciation/amortization expenses. Overall, profitability metrics are strong, reflecting good financial health and operational efficiency.

Balance Sheet

The company maintains a strong equity base with an equity ratio of 9.6% TTM, although the Debt-to-Equity ratio has improved to 0.1, showing prudent debt management. Return on Equity is solid at 13.4% TTM, indicating effective use of equity to generate profits. Despite a relatively low equity ratio, the company displays a stable financial position with manageable leverage levels.

Cash Flow

Free cash flow has grown by 39.8% compared to the previous period, highlighting strong cash generation ability. The operating cash flow to net income ratio is 1.28, demonstrating good cash conversion. However, the free cash flow to net income ratio is slightly lower at 1.22, suggesting some areas of improvement in cash management. Overall, cash flow metrics are robust and suggest good liquidity management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	54.28M	51.85M	28.36M	25.64M	25.62M	24.76M
Gross Profit	43.12M	35.99M	28.36M	25.64M	25.62M	24.76M
EBITDA	17.66M	15.07M	246.00K	7.45M	6.86M	7.24M
Net Income	13.81M	12.14M	6.75M	5.22M	4.78M	5.21M
Balance Sheet
Total Assets	923.63M	870.24M	765.85M	643.32M	553.47M	515.07M
Cash, Cash Equivalents and Short-Term Investments	265.06M	0.00	102.71M	64.39M	82.12M	61.69M
Total Debt	8.45M	8.52M	8.45M	14.45M	14.45M	14.45M
Total Liabilities	832.51M	787.18M	693.96M	578.81M	493.16M	459.55M
Stockholders Equity	91.11M	83.06M	71.89M	64.50M	60.31M	55.52M
Cash Flow
Free Cash Flow	13.33M	12.54M	9.62M	5.44M	9.04M	5.31M
Operating Cash Flow	14.47M	13.40M	10.18M	6.01M	9.63M	5.86M
Investing Cash Flow	-96.42M	-82.81M	-60.82M	-121.16M	-31.73M	-17.62M
Financing Cash Flow	75.97M	90.12M	113.19M	85.45M	32.78M	19.09M

Century Next Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 51.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 51.15 is above the 20-day moving average (MA) of 50.65, above the 50-day MA of 48.56, and above the 200-day MA of 42.88, indicating a bullish trend. The MACD of 0.60 indicates Positive momentum. The RSI at 56.40 is Neutral, neither overbought nor oversold. The STOCH value of 41.65 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTUY	78 Outperform	$65.34M	6.77	16.39%	1.48%	13.51%	38.67%
Sector *	68 Neutral	$17.80B	11.94	9.89%	3.74%	9.69%	1.17%
FSEA	―	$54.92M	―	-0.80%	―	―	―
BAFN	58 Neutral	$37.20M	5.22	8.93%	3.58%	7.07%	96.65%
TCBS	57 Neutral	$48.19M	20.72	4.50%	0.98%	13.47%	―
CLST	57 Neutral	$54.22M	23.23	2.69%	―	107.33%	―
CFSB	54 Neutral	$91.61M	―	>-0.01%	―	13.69%	77.14%