Century Next Financial (CTUY) AI Stock Analysis

• Market Cap: $83.03M
• Dividend Yield: 1.27%
• Average Volume (3M): 349.00
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.36
• 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: 0.80
• Enterprise Value/Gross Profit: 1.11
• Enterprise Value/Ebitda: 2.45
• 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: 76 Outperform
• Price Target: $74.00 ▲(25.08% Upside)
• Action: Reiterated Date: 03/16/26
• Date: Action: Reiterated 03/16/26

The score is driven primarily by strong financial performance (low leverage, growing equity, improving profitability) and an attractive valuation (low P/E with a dividend). Technical signals are more neutral-to-mixed, reflecting short-term softness despite a stronger longer-term trend.

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.

Century Next Financial Financial Statement Overview

Summary

Strong overall fundamentals: meaningful multi-year revenue growth with improving margins, a very conservatively levered balance sheet (debt-to-equity ~0.08) and rising equity with attractive ROE (~15.4%). Cash flow is positive and improving but shows some volatility and data-consistency gaps, which slightly tempers the score.

Income Statement

Revenue has expanded meaningfully over the period (from ~$28.6M in 2020 to ~$56.2M in 2025), with 2025 showing strong growth versus 2024. Profitability is also solid and improving: net margin rose to ~27.6% in 2025 from ~23.4% in 2024, and operating profitability remained healthy. The main offset is some volatility in growth earlier in the period (declines in 2020–2021 and uneven yearly growth), which reduces the stability component of the score.

Balance Sheet

The balance sheet looks conservatively positioned with low leverage: debt-to-equity improved to ~0.08 in 2025 (down from ~0.26 in 2020). Equity has grown steadily (to ~$101.0M in 2025 from ~$55.5M in 2020), supporting a stronger capital base. Returns on equity are attractive and have improved to ~15.4% in 2025, though total assets are large versus equity (typical for banks), which makes sustained profitability important to maintain.

Cash Flow

Cash generation is generally positive with operating cash flow and free cash flow rising over time (operating cash flow ~$16.7M and free cash flow ~$16.3M in 2025). Free cash flow growth in 2025 is strong versus 2024. However, some provided coverage ratios are reported as 0.0 in 2025, and free cash flow was down in 2022 (negative growth), indicating periodic volatility and some data-quality/consistency limitations that reduce confidence in year-to-year cash conversion assessment.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	54.28M	56.21M	51.85M	41.82M	30.60M	28.17M
Gross Profit	38.90M	41.70M	35.99M	28.09M	25.12M	23.53M
EBITDA	17.66M	19.34M	15.07M	8.96M	7.45M	6.86M
Net Income	13.81M	15.53M	12.14M	6.75M	5.22M	4.78M
Balance Sheet
Total Assets	923.63M	876.92M	870.24M	765.85M	643.32M	553.47M
Cash, Cash Equivalents and Short-Term Investments	265.06M	48.30M	0.00	136.73M	64.39M	82.12M
Total Debt	8.45M	8.45M	8.52M	8.45M	14.45M	14.45M
Total Liabilities	832.51M	775.95M	787.18M	693.96M	578.81M	493.16M
Stockholders Equity	91.11M	100.97M	83.06M	71.89M	64.50M	60.31M
Cash Flow
Free Cash Flow	13.33M	16.27M	12.54M	9.62M	5.44M	9.04M
Operating Cash Flow	14.47M	16.71M	13.40M	10.18M	6.01M	9.63M
Investing Cash Flow	-96.42M	-81.44M	-82.81M	-60.82M	-121.16M	-31.73M
Financing Cash Flow	75.97M	-12.65M	90.12M	113.19M	85.45M	32.78M

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 66.31, below the 50-day MA of 64.14, and above the 200-day MA of 55.01, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 49.55 is Neutral, neither overbought nor oversold. The STOCH value of 63.45 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	76 Outperform	$83.03M	6.95	16.49%	1.27%	11.12%	35.56%
BOTJ	73 Outperform	$95.41M	9.36	12.15%	2.18%	6.17%	-6.13%
UBCP	68 Neutral	$87.27M	10.17	12.01%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65 Neutral	$86.16M	13.56	5.80%	2.08%	1.03%	-35.72%
BYFC	54 Neutral	$71.38M	-0.65	-8.79%	―	2.54%	-174.74%
FNWB	46 Neutral	$81.18M	-21.37	-2.76%	2.88%	8.02%	21.36%