Century Next Financial Corporation Logo

Century Next Financial Corporation

CTUY

(4.2)
Stock Price

38,72 USD

1.19% ROA

13.49% ROE

6.48x PER

Market Cap.

45.157.151,00 USD

10.93% DER

1.19% Yield

22.25% NPM

Century Next Financial Corporation Stock Analysis

Century Next Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Century Next Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past five years, consistently delivering higher returns to investors.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 PBV

With a remarkably low PBV ratio (0.73x), the stock offers substantial upside potential at a bargain price.

6 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (144) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 ROE

The stock's ROE falls within an average range (8.55%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

11 ROA

The stock's ROA (0.78%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

Century Next Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Century Next Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Sell

Century Next Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Century Next Financial Corporation Revenue
Year Revenue Growth
2009 3.881.000
2010 4.509.000 13.93%
2011 5.383.000 16.24%
2012 5.923.000 9.12%
2013 6.206.000 4.56%
2014 7.224.000 14.09%
2015 8.347.000 13.45%
2016 10.545.000 20.84%
2017 12.094.000 12.81%
2018 14.730.000 17.9%
2019 23.598.000 37.58%
2020 24.757.000 4.68%
2021 25.622.000 3.38%
2022 25.637.000 0.06%
2023 29.532.000 13.19%
2023 41.818.000 29.38%
2024 51.732.000 19.16%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Century Next Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2009 0
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Century Next Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2009 2.267.000
2010 2.405.000 5.74%
2011 3.129.000 23.14%
2012 3.515.000 10.98%
2013 821.000 -328.14%
2014 784.000 -4.72%
2015 3.704.000 78.83%
2016 4.234.000 12.52%
2017 4.941.000 14.31%
2018 6.146.000 19.61%
2019 8.931.000 31.18%
2020 10.641.000 16.07%
2021 11.220.000 5.16%
2022 11.920.000 5.87%
2023 13.144.000 9.31%
2023 13.025.000 -0.91%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Century Next Financial Corporation EBITDA
Year EBITDA Growth
2009 2.128.000
2010 2.202.000 3.36%
2011 1.897.000 -16.08%
2012 1.996.000 4.96%
2013 -84.000 2476.19%
2014 -84.000 0%
2015 3.389.000 102.48%
2016 5.006.000 32.3%
2017 5.968.000 16.12%
2018 7.788.000 23.37%
2019 7.608.000 -2.37%
2020 7.238.000 -5.11%
2021 6.859.000 -5.53%
2022 12.425.000 44.8%
2023 9.864.000 -25.96%
2023 831.001 -1087%
2024 348.000 -138.79%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Century Next Financial Corporation Gross Profit
Year Gross Profit Growth
2009 3.881.000
2010 4.509.000 13.93%
2011 5.383.000 16.24%
2012 5.923.000 9.12%
2013 6.206.000 4.56%
2014 7.224.000 14.09%
2015 8.347.000 13.45%
2016 10.545.000 20.84%
2017 12.094.000 12.81%
2018 14.730.000 17.9%
2019 23.598.000 37.58%
2020 24.757.000 4.68%
2021 25.622.000 3.38%
2022 25.637.000 0.06%
2023 29.532.000 13.19%
2023 41.838.000 29.41%
2024 51.732.000 19.13%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Century Next Financial Corporation Net Profit
Year Net Profit Growth
2009 464.000
2010 656.000 29.27%
2011 634.000 -3.47%
2012 656.000 3.35%
2013 819.000 19.9%
2014 1.242.000 34.06%
2015 1.614.000 23.05%
2016 2.481.000 34.95%
2017 2.355.000 -5.35%
2018 3.310.000 28.85%
2019 5.553.000 40.39%
2020 5.214.000 -6.5%
2021 4.779.000 -9.1%
2022 5.223.000 8.5%
2023 7.560.000 30.91%
2023 6.752.000 -11.97%
2024 12.256.000 44.91%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Century Next Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2009 0
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 50%
2017 2 -100%
2018 3 50%
2019 3 33.33%
2020 3 0%
2021 3 -50%
2022 3 0%
2023 4 50%
2023 4 -33.33%
2024 7 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Century Next Financial Corporation Free Cashflow
Year Free Cashflow Growth
2009 -278.000
2010 976.000 128.48%
2011 -2.991.000 132.63%
2012 3.375.000 188.62%
2013 1.958.000 -72.37%
2014 1.259.000 -55.52%
2015 1.900.000 33.74%
2016 -902.000 310.64%
2017 5.221.000 117.28%
2018 -6.402.000 181.55%
2019 3.745.000 270.95%
2020 5.308.000 29.45%
2021 9.037.000 41.26%
2022 5.443.000 -66.03%
2023 2.649.000 -105.47%
2023 8.897.000 70.23%
2024 2.662.000 -234.22%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Century Next Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2009 120.000
2010 1.173.000 89.77%
2011 -2.082.000 156.34%
2012 3.577.000 158.21%
2013 2.157.000 -65.83%
2014 1.383.000 -55.97%
2015 2.031.000 31.91%
2016 1.414.000 -43.64%
2017 5.620.000 74.84%
2018 -3.327.000 268.92%
2019 5.550.000 159.95%
2020 5.857.000 5.24%
2021 9.633.000 39.2%
2022 6.008.000 -60.34%
2023 2.790.000 -115.34%
2023 9.462.000 70.51%
2024 2.571.000 -268.03%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Century Next Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2009 398.000
2010 197.000 -102.03%
2011 909.000 78.33%
2012 202.000 -350%
2013 199.000 -1.51%
2014 124.000 -60.48%
2015 131.000 5.34%
2016 2.316.000 94.34%
2017 399.000 -480.45%
2018 3.075.000 87.02%
2019 1.805.000 -70.36%
2020 549.000 -228.78%
2021 596.000 7.89%
2022 565.000 -5.49%
2023 141.000 -300.71%
2023 565.000 75.04%
2024 -91.000 720.88%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Century Next Financial Corporation Equity
Year Equity Growth
2009 8.476.000
2010 18.308.000 53.7%
2011 18.762.000 2.42%
2012 19.420.000 3.39%
2013 20.184.000 3.79%
2014 21.618.000 6.63%
2015 23.434.000 7.75%
2016 25.909.000 9.55%
2017 28.152.000 7.97%
2018 44.851.000 37.23%
2019 50.137.000 10.54%
2020 55.520.000 9.7%
2021 60.308.000 7.94%
2022 64.504.000 6.51%
2023 71.893.000 10.28%
2023 68.199.000 -5.42%
2024 77.321.000 11.8%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Century Next Financial Corporation Assets
Year Assets Growth
2009 85.875.000
2010 98.115.000 12.48%
2011 107.418.000 8.66%
2012 120.648.000 10.97%
2013 142.812.000 15.52%
2014 169.697.000 15.84%
2015 211.026.000 19.58%
2016 239.431.000 11.86%
2017 283.613.000 15.58%
2018 462.128.000 38.63%
2019 489.606.000 5.61%
2020 515.070.000 4.94%
2021 553.470.000 6.94%
2022 643.318.000 13.97%
2023 766.427.000 16.06%
2023 716.493.000 -6.97%
2024 831.546.000 13.84%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Century Next Financial Corporation Liabilities
Year Liabilities Growth
2009 77.399.000
2010 79.807.000 3.02%
2011 88.656.000 9.98%
2012 101.228.000 12.42%
2013 122.628.000 17.45%
2014 148.079.000 17.19%
2015 187.592.000 21.06%
2016 213.522.000 12.14%
2017 255.461.000 16.42%
2018 417.277.000 38.78%
2019 439.469.000 5.05%
2020 459.550.000 4.37%
2021 493.162.000 6.82%
2022 578.814.000 14.8%
2023 694.534.000 16.66%
2023 648.294.000 -7.13%
2024 754.225.000 14.05%

Century Next Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
24.53
Net Income per Share
5.46
Price to Earning Ratio
6.48x
Price To Sales Ratio
1.02x
POCF Ratio
5.19
PFCF Ratio
3.77
Price to Book Ratio
0.82
EV to Sales
-1.86
EV Over EBITDA
-26.59
EV to Operating CashFlow
-6.69
EV to FreeCashFlow
-6.86
Earnings Yield
0.15
FreeCashFlow Yield
0.27
Market Cap
0,05 Bil.
Enterprise Value
-0,08 Bil.
Graham Number
72.57
Graham NetNet
-344.84

Income Statement Metrics

Net Income per Share
5.46
Income Quality
1.25
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.07
Net Income per EBT
0.8
EBT Per Ebit
0.31
Ebit per Revenue
0.89
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.3
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.89
Pretax Profit Margin
0.28
Net Profit Margin
0.22

Dividends

Dividend Yield
0.01
Dividend Yield %
1.19
Payout Ratio
0.08
Dividend Per Share
0.42

Operating Metrics

Operating Cashflow per Share
6.81
Free CashFlow per Share
6.65
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.39
Return on Invested Capital
0.37
Return on Tangible Assets
0.01
Days Sales Outstanding
27.71
Days Payables Outstanding
-1642.5
Days of Inventory on Hand
2325215.91
Receivables Turnover
13.17
Payables Turnover
-0.22
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
110,86
Book Value per Share
42,88
Tangible Book Value per Share
41.05
Shareholders Equity per Share
42.88
Interest Debt per Share
11.04
Debt to Equity
0.11
Debt to Assets
0.01
Net Debt to EBITDA
-41.19
Current Ratio
0.48
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,61 Bil.
Invested Capital
-140927000
Working Capital
-0,15 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-15024500
Debt to Market Cap
0.19

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Century Next Financial Corporation Dividends
Year Dividends Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Century Next Financial Corporation Profile

About Century Next Financial Corporation

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.

CEO
Mr. William D. Hogan
Employee
36
Address
505 North Vienna Street
Ruston, 71270

Century Next Financial Corporation Executives & BODs

Century Next Financial Corporation Executives & BODs
# Name Age
1 Mr. David Layne Weeks
Executive Vice President & Chief Credit Officer
70
2 Mr. William D. Hogan
President, Chief Executive Officer & Director
70
3 Ms. Toni Bacon
Senior Vice President of Commercial Lending
70
4 Mr. John Tompkins
Vice President of Lending & Administration
70
5 Ms. Courtnie Beach
Senior Vice President of Commercial & Mortgage Lending
70
6 Mr. Mark A. Taylor CPA, CPA, CGMA
Executive Vice President and Chief Financial & Risk Officer
70
7 Ms. Lorie R. Hamlin
Executive Vice President, Chief Security Officer & Chief Operating Officer
70
8 Ms. Mitsy S. Huffstetler CRCM
Senior Vice President & Compliance Officer
70
9 Ms. Angela Carpenter
Senior Vice President of Operations & Marketing
70
10 Ms. Carla Raborn
Senior Vice President of Human Resources
70

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