Century Next Financial (CTUY) AI Stock Analysis

• Market Cap: $75.43M
• Dividend Yield: 1.27%
• Average Volume (3M): 349.00
• Price to Earnings (P/E): 7.2
• Beta (1Y): 0.37
• Revenue Growth: 11.12%
• EPS Growth: 35.56%
• Country: US
• Employees: 36
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.30
• 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: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 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: 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.

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

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	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: 59.05
• 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 59.05 is above the 20-day moving average (MA) of 58.59, above the 50-day MA of 57.17, and above the 200-day MA of 48.90, indicating a bullish trend. The MACD of 0.51 indicates Positive momentum. The RSI at 54.90 is Neutral, neither overbought nor oversold. The STOCH value of 57.62 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	$75.43M	7.22	16.86%	1.27%	11.12%	35.56%
BOTJ	76 Outperform	$83.19M	10.51	10.86%	2.18%	6.17%	-6.13%
FUSB	71 Outperform	$77.68M	14.53	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$81.64M	10.89	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	59 Neutral	$91.88M	-11.75	-4.68%	2.88%	8.02%	21.36%
BYFC	47 Neutral	$54.26M	-20.81	0.22%	―	2.54%	-174.74%