Century Next Financial (CTUY) AI Stock Analysis

• Market Cap: $82.31M
• Dividend Yield: 1.27%
• Average Volume (3M): 349.00
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.32
• 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: 0.26
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 1.91
• P/FCF Ratio: 6.62
• Enterprise Value/Market Cap: 0.52
• Enterprise Value/Revenue: 0.76
• Enterprise Value/Gross Profit: 1.39
• Enterprise Value/Ebitda: 2.20
• 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: 79 Outperform
• Price Target: $75.00 ▲(26.77% Upside)
• Action: Reiterated Date: 03/24/26
• Date: Action: Reiterated 03/24/26

The score is driven primarily by strong financial performance (improving profitability, ROE, and declining leverage) and an attractive valuation (low P/E). Technical indicators are mixed with soft near-term momentum, which modestly reduces the overall score.

Positive Factors

Revenue & margin improvement

Sustained revenue doubling and large margin expansion demonstrate strengthening core profitability and operating leverage. These durable trends imply improved pricing, cost control and scalable operations that support persistent earnings power and internal funding of growth over the medium term.

Negative Factors

Asset-size sensitivity to credit risk

Large asset base relative to equity is typical for banks but increases vulnerability to loan-losses or mark-to-market movements. Even with low measured debt, adverse credit cycles can quickly erode capital, making asset quality and provisioning practices critical for durable stability.

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 ...

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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 ...

Century Next Financial Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	56.21M	51.85M	41.82M	30.60M	28.17M
Gross Profit	41.70M	35.99M	28.09M	25.12M	23.53M
EBITDA	19.34M	15.07M	8.96M	7.45M	6.86M
Net Income	15.53M	12.14M	6.75M	5.22M	4.78M
Balance Sheet
Total Assets	876.92M	870.24M	765.85M	643.32M	553.47M
Cash, Cash Equivalents and Short-Term Investments	48.30M	0.00	136.73M	64.39M	82.12M
Total Debt	8.45M	8.52M	8.45M	14.45M	14.45M
Total Liabilities	775.95M	787.18M	693.96M	578.81M	493.16M
Stockholders Equity	100.97M	83.06M	71.89M	64.50M	60.31M
Cash Flow
Free Cash Flow	16.27M	12.54M	9.62M	5.44M	9.04M
Operating Cash Flow	16.71M	13.40M	10.18M	6.01M	9.63M
Investing Cash Flow	-81.44M	-82.81M	-60.82M	-121.16M	-31.73M
Financing Cash Flow	-12.65M	90.12M	113.19M	85.45M	32.78M

Century Next Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.16
• 50DMA: Negative
• 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 64.89, below the 50-day MA of 65.59, and above the 200-day MA of 56.55, indicating a neutral trend. The MACD of -0.30 indicates Positive momentum. The RSI at 48.46 is Neutral, neither overbought nor oversold. The STOCH value of 21.46 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	79 Outperform	$82.31M	6.95	16.49%	1.27%	11.12%	35.56%
BOTJ	78 Outperform	$101.00M	9.36	12.15%	2.18%	6.17%	-6.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	66 Neutral	$93.38M	10.17	12.01%	6.51%	6.31%	-5.00%
FUSB	65 Neutral	$88.42M	13.56	5.80%	2.08%	1.03%	-35.72%
FNWB	46 Neutral	$90.91M	-21.37	-2.76%	2.88%	8.02%	21.36%
BYFC	44 Neutral	$70.06M	15.26	-8.97%	―	2.54%	-174.74%