Century Next Financial (CTUY) AI Stock Analysis

• Market Cap: $85.27M
• Dividend Yield: 1.27%
• Average Volume (3M): 349.00
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.35
• Revenue Growth: 11.12%
• EPS Growth: 35.56%
• Country: US
• Employees: 36
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.03
• Shares Outstanding: 1,277,430
• 10 Day Avg. Volume: 278
• 30 Day Avg. Volume: 349
• PEG Ratio: 0.07
• Price to Book (P/B): 0.84
• Price to Sales (P/S): 1.34
• P/FCF Ratio: 5.53
• Enterprise Value/Market Cap: -0.43
• Enterprise Value/Revenue: -0.68
• Enterprise Value/Gross Profit: -0.95
• Enterprise Value/Ebitda: -2.10
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 84 Outperform
• Price Target: $69.00 ▲(16.63% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is driven primarily by strong financial performance (growth, solid profitability, and low leverage) and an attractive valuation (low P/E). Technicals add support with price above key moving averages and positive MACD, while some variability in operating/cash-flow metrics is the main risk tempering the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Cash Generation

Robust cash generation enhances liquidity and provides flexibility for investments and debt management, ensuring financial resilience.

Debt Management

Effective debt management reduces financial risk and interest costs, supporting sustainable growth and operational stability.

Negative Factors

Equity Ratio

A relatively low equity ratio may limit financial flexibility and increase vulnerability to economic downturns, impacting long-term growth.

EBITDA Margin

Lower EBITDA margins can indicate higher operational costs, potentially affecting profitability and competitiveness over time.

Earnings Call Insights

The absence of new insights from earnings calls may signal uncertainty or lack of strategic direction, impacting investor confidence.

Century Next Financial Business Overview & Revenue Model

Company Description

Century Next Financial Corporation operates as the holding company for the Century Next Bank that provides various banking services primarily to small and medium-sized businesses, professionals, and individuals. The company offers savings account products; checking accounts and services; mortgage, reverse mortgage, construction, and business loans; home equity and business lines of credit; and real estate lending to residential and commercial customers. It also provides remote deposit capture services; cash management services, including employee payroll and electronic federal tax payment system, as well as consumer or business drafts or payment services; safe deposit boxes; gift and credit cards; and merchant, night deposit, mobile banking, and other services. As of January 26, 2022, it served customers through its four locations in Louisiana comprising two banking offices in Ruston, one banking office in Monroe, and one banking office in West Monroe, as well as four locations in Arkansas, including two banking offices in Crossett, one banking office in Hamburg, and one drive-through location with limited services in Fountain Hill. Century Next Financial Corporation was founded in 1905 and is headquartered in Ruston, Louisiana.

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

Strong fundamentals overall: revenue growth has been material and 2024 earnings improved sharply, with net margins staying in the low-to-mid 20% range. Balance sheet is conservatively positioned with low and improving leverage and stronger ROE. Main offset is variability in operating and cash flow indicators (including uneven FCF growth and inconsistent OCF coverage), reducing confidence in consistency.

Income Statement

Revenue has expanded materially over the period (from $29.5M in 2019 to $51.8M in 2024), with especially strong momentum in 2024. Profitability is solid, with net profit margin consistently around the low-to-mid 20% range and improving earnings (net income $12.1M in 2024 vs. $6.8M in 2023). A key weakness is volatility in operating profit indicators year-to-year (notably an anomalous 2023 operating margin print), which suggests earnings quality and comparability may be less stable than the headline net income trend implies.

Balance Sheet

The balance sheet looks conservatively positioned: leverage is low with debt-to-equity improving to ~0.10 in 2024 from ~0.29 in 2019, while equity has steadily compounded ($83.1M in 2024 vs. $50.1M in 2019). Returns on equity have strengthened to ~14.6% in 2024 (up from ~9–11% in 2019–2020), indicating improving profitability on a growing capital base. The main watch item is the rapid growth in total assets (to $870.2M in 2024 from $489.6M in 2019), which can increase balance-sheet risk if asset quality or funding mix deteriorates (not shown in the provided data).

Cash Flow

Cash generation is generally supportive: free cash flow closely tracks net income (free cash flow to net income ~0.91–0.95 in most years, ~0.94 in 2024), suggesting earnings are largely converting to cash. Operating cash flow and free cash flow rose in 2024 ($13.4M and $12.5M, respectively), but free cash flow growth turned negative in 2024 (-9.6%) after positive growth in 2023, pointing to some recent variability. Additionally, the operating cash flow coverage ratio is inconsistent across years (extremely high in 2020–2021 and much lower thereafter), which reduces confidence in trend stability based solely on the provided figures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	54.28M	51.85M	41.82M	30.60M	28.17M	28.60M
Gross Profit	38.90M	35.99M	28.09M	25.12M	23.53M	23.31M
EBITDA	17.66M	15.07M	8.96M	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	136.73M	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: 59.16
• 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 59.16 is below the 20-day moving average (MA) of 66.70, below the 50-day MA of 62.52, and above the 200-day MA of 53.62, indicating a bullish trend. The MACD of 1.62 indicates Positive momentum. The RSI at 53.91 is Neutral, neither overbought nor oversold. The STOCH value of 42.88 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	84 Outperform	$85.27M	8.00	16.86%	1.27%	11.12%	35.56%
BOTJ	73 Outperform	$90.50M	10.03	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$88.12M	15.28	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$86.03M	10.56	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BYFC	54 Neutral	$71.15M	-2.50	0.22%	―	2.54%	-174.74%
FNWB	46 Neutral	$87.71M	-19.09	-4.68%	2.88%	8.02%	21.36%