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OTCM
CYFL
Market cap291mUSD
May 30, Last price  
44.73USD
Name

Century Financial Corp

Chart & Performance

D1W1MN
P/E
32.34
P/S
11.75
EPS
1.38
Div Yield, %
1.61%
Shrs. gr., 5y
-2.53%
Rev. gr., 5y
6.50%
Revenues
25m
+5.93%
3,009,0002,814,0003,341,0005,228,00011,449,66613,196,32813,890,00012,808,11912,826,12013,120,81414,024,04614,544,76915,382,45216,931,62118,096,11718,536,00018,036,00019,997,00023,401,00024,789,000
Net income
9m
+12.52%
3,681,0004,268,0004,906,0004,222,0002,865,8933,164,7993,526,0002,171,2352,410,0182,440,7412,517,0292,642,0201,145,9523,822,8534,623,9415,149,0005,339,0005,860,0008,002,0009,004,000
CFO
10m
+25.12%
5,094,0006,637,0006,545,0007,234,0002,820,3743,347,93302,106,1014,070,6293,633,1202,789,5032,613,6642,624,6454,391,9134,563,5534,759,0003,568,0004,279,0008,355,00010,454,000
Dividend
Sep 06, 20240.24 USD/sh

Profile

Century Financial Corporation operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services. The company's primary deposit products include checking, savings, term certificate, and individual retirement accounts. It also provides residential mortgages; home equity, auto, specialty item, debt consolidation, construction, business term, and agri-business loans; small business Loans; real estate financing; lines of credit; letters of credit; and government loan guaranty programs. In addition, the company provides account and deposit management; receivables management services, such as direct payment, remote deposit, merchant, lockbox processing, and cash concentration services; and online and mobile banking services. Further, it offers account alerts; night and direct deposit, notary, wire transfer, guarantee, and ATM services; reorder and cashier's checks; debit, credit, gift, reloadable, and payroll cards; card valets; and safe deposit boxes. Additionally, the company provides trust, investment planning, estate and financial planning, insurance advisory, and retirement planning services. It serves individuals and businesses. The company serves through a network of eleven banking offices located in Branch, St. Joseph, and Hillsdale Counties in Michigan. Century Financial Corporation was founded in 1890 and is based in Coldwater, Michigan.
URL
https://www.centurybankandtrust.com
IPO date
Apr 11, 2000
Employees
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
24,789
5.93%
23,401
17.02%
19,997
10.87%
Cost of revenue
(3,121)
Unusual Expense (Income)
NOPBT
24,789
26,522
19,997
NOPBT Margin
100.00%
113.34%
100.00%
Operating Taxes
2,018
1,873
1,297
Tax Rate
8.14%
7.06%
6.49%
NOPAT
22,771
24,649
18,700
Net income
9,004
12.52%
8,002
36.55%
5,860
9.76%
Dividends
(2,163)
(1,948)
(1,499)
Dividend yield
Proceeds from repurchase of equity
(719)
(762)
(1,969)
BB yield
Debt
Debt current
32
Long-term debt
5,000
5,736
5,596
Deferred revenue
Other long-term liabilities
405,080
259,802
228,494
Net debt
(74,826)
(142,948)
(119,982)
Cash flow
Cash from operating activities
10,454
8,355
4,279
CAPEX
(728)
(178)
(235)
Cash from investing activities
6,589
(4,890)
(106,614)
Cash from financing activities
(17,892)
9,626
3,736
FCF
109,316
(167,749)
124,656
Balance
Cash
79,826
82,425
67,584
Long term investments
66,259
58,026
Excess cash
78,587
147,514
124,610
Stockholders' equity
44,373
36,627
28,937
Invested Capital
422,806
437,607
248,179
ROIC
5.29%
7.19%
7.27%
ROCE
5.31%
5.59%
7.22%
EV
Common stock shares outstanding
1,664
1,699
1,749
Price
Market cap
EV
EBITDA
25,494
26,930
20,385
EV/EBITDA
Interest
3,121
708
Interest/NOPBT
11.77%
3.54%