Century Next Financial Corporation (CTUY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Century Next Financial Corporation (CTUY) trades at $66.24 with AI Score 51/100 (Grade B). Century Next Financial Corporation operates as the holding company for Century Next Bank, a regional financial institution providing diverse banking services. Market cap: $84.62M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for CTUY: CTUY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CTUY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CTUY: 3/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Century Next Financial Corporation (CTUY) Financial Services Profile
Century Next Financial Corporation operates as the holding company for Century Next Bank, a regional financial institution serving small and medium-sized businesses, professionals, and individuals. Headquartered in Ruston, Louisiana, the bank provides a comprehensive suite of traditional banking products and services across its branch network in Louisiana and Arkansas.
What Is the Investment Thesis for CTUY?
Century Next Financial Corporation presents as a stable regional banking entity with a long operational history since 1905, serving its local communities in Louisiana and Arkansas. The company demonstrates solid profitability with a Profit Margin of 27.6% and a Gross Margin of 74.9%, indicating efficient operations within the financial services sector. Its dividend yield of 1.53% provides a consistent return to shareholders, while a low Beta of 0.23 suggests relatively lower stock price volatility compared to the broader market. Key value drivers include the continued expansion of its diversified loan portfolio, which spans mortgages, business loans, and real estate lending, catering to its core customer segments of small businesses, professionals, and individuals. The company's established branch network and community-centric approach foster strong customer relationships, which are crucial for deposit growth and cross-selling opportunities. Potential growth catalysts involve leveraging local economic development in its service regions and enhancing its digital banking capabilities to attract and retain a broader customer base. Risks include regional economic downturns, interest rate fluctuations impacting net interest margin, and competitive pressures from larger financial institutions.
Based on FMP financials and quantitative analysis
CTUY Key Highlights
- Market Capitalization of $84.62M, positioning Century Next Financial Corporation as a smaller, regionally focused financial institution.
- Profit Margin of 27.6% demonstrates strong operational efficiency and profitability from its core banking activities.
- Gross Margin of 74.9% reflects effective revenue generation relative to the direct costs associated with its banking services.
- Dividend Yield of 1.53% offers shareholders a consistent income stream, indicative of a mature and stable business model.
- Operates through eight physical locations across Louisiana and Arkansas as of January 26, 2022, underscoring its commitment to community-based banking services.
Who Are CTUY's Competitors?
CTUY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CTUY's Key Strengths?
- Long-standing operational history since 1905, fostering strong community trust and brand recognition.
- Robust profitability demonstrated by a 27.6% Profit Margin and 74.9% Gross Margin.
- Diversified product offerings catering to a broad customer base of individuals, professionals, and small businesses.
- Stable dividend yield of 1.53% providing consistent shareholder returns.
What Are CTUY's Weaknesses?
- Concentrated geographic footprint in Louisiana and Arkansas, exposing the company to regional economic fluctuations.
- Small market capitalization of $84.62M, potentially limiting access to capital markets and scale economies.
- Reliance on traditional banking models, which could face disruption from rapidly evolving fintech solutions.
- OTC Other tier listing with 'Unknown' disclosure status, potentially impacting investor confidence and transparency.
What Could Drive CTUY Stock Higher?
- Continued expansion of the bank's loan portfolio, particularly in mortgage, business, and real estate lending, driven by local economic activity in Louisiana and Arkansas.
- Growth in the bank's deposit base through sustained community engagement and competitive product offerings, enhancing funding stability.
- Effective management of the prevailing interest rate environment to optimize net interest margin and profitability.
- Potential for local economic development initiatives within its service areas to stimulate demand for banking services and credit products.
What Are the Key Risks for CTUY?
- Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Regional economic downturns in Louisiana and Arkansas, which could adversely impact loan quality, increase default rates, and reduce demand for banking services.
- Fluctuations in interest rates, potentially compressing net interest income if the cost of deposits rises faster than yields on assets, or vice versa.
- Intense competitive pressures from larger national banks, other regional banks, and credit unions vying for market share in its operating regions.
- Regulatory changes within the financial services sector, which could increase compliance costs and operational burdens.
- Cybersecurity threats and data breaches, posing risks to customer data, financial assets, and the bank's reputation and operational integrity.
What Are the Growth Opportunities for CTUY?
- Growth opportunity 1: **Expansion of Loan Portfolio in Existing Markets.** Century Next Financial Corporation can capitalize on local economic growth within its Louisiana and Arkansas service areas by strategically expanding its offerings of mortgage, construction, business, and real estate loans. By deepening relationships with local developers, small business owners, and homebuyers, the bank can increase its loan origination volume. This focus allows for tailored lending solutions that meet specific community needs, potentially increasing net interest income and market share. The regional market for these loans, driven by local housing demand and business investment, provides a tangible pathway for asset growth and enhanced profitability for the bank.
- Growth opportunity 2: **Enhancement and Adoption of Digital Banking Services.** While mobile banking is offered, further investment in advanced digital platforms can attract a broader, tech-savvy customer base and improve operational efficiency. This includes developing more intuitive online loan application processes, expanding sophisticated cash management tools for businesses, and integrating AI-driven customer support. By providing seamless digital experiences, Century Next Bank can reduce reliance on physical branches for routine transactions, lower operational costs, and extend its reach within its existing geographic footprint without necessarily adding new physical locations, catering to evolving customer preferences.
- Growth opportunity 3: **Deepening Penetration in Current Geographic Markets.** Century Next Financial Corporation can pursue strategies to increase its market share within its established Louisiana and Arkansas communities. This could involve targeted marketing campaigns, community outreach programs, and offering competitive rates on deposits and loans to attract new customers from competitors. By reinforcing its local presence and reputation, the bank can foster greater loyalty and expand its customer base organically. This approach leverages its existing infrastructure and brand recognition to drive incremental growth in both deposits and lending activities.
- Growth opportunity 4: **Strengthening Small and Medium-sized Business (SMB) Banking.** The company's focus on SMBs represents a significant growth avenue. By developing specialized financial products and advisory services tailored to the unique needs of local businesses, Century Next Bank can become a preferred partner for entrepreneurs. This includes offering flexible business loans, advanced treasury management solutions, and dedicated relationship managers. A strong SMB segment can lead to higher-value deposits, increased fee income from services, and a stable loan portfolio, contributing significantly to the bank's overall revenue and profitability.
- Growth opportunity 5: **Leveraging Community Bank Model for Relationship Banking.** Century Next Financial Corporation's long history and regional focus provide a strong foundation for relationship banking. By emphasizing personalized service and local decision-making, the bank can cultivate deeper, long-term relationships with individuals and professionals. This approach can lead to higher customer retention, increased cross-selling of various banking products (e.g., checking, savings, loans, credit cards), and a more stable deposit base. Building trust and rapport within the community differentiates it from larger, more impersonal financial institutions, driving sustainable growth.
What Opportunities Does CTUY Have?
- Expansion and enhancement of digital banking services to attract a younger, tech-savvy demographic and improve operational efficiency.
- Deepening market penetration and increasing customer acquisition within its existing Louisiana and Arkansas service areas.
- Growth in small and medium-sized business lending driven by local economic development and entrepreneurial activity.
- Potential for strategic partnerships or acquisitions within the fragmented regional banking sector, if opportunities arise.
What Threats Does CTUY Face?
- Adverse fluctuations in interest rates impacting net interest income and the cost of deposits.
- Intense competition from larger national banks, other regional banks, and credit unions.
- Economic downturns or specific industry challenges within its primary service regions of Louisiana and Arkansas.
- Increasing regulatory burden and compliance costs within the financial services industry.
- Cybersecurity threats and data breaches posing risks to customer data integrity and institutional reputation.
What Are CTUY's Competitive Advantages?
- Established local presence and deep community ties since 1905, fostering strong customer loyalty and trust within its regional markets.
- Personalized service model inherent to regional banks, allowing for tailored financial solutions and direct customer relationships.
- Diversified product portfolio catering to both consumer and business banking needs, providing a comprehensive financial ecosystem for its clientele.
- Geographic concentration in specific Louisiana and Arkansas markets, enabling specialized local market knowledge and responsiveness to regional economic conditions.
What Does CTUY Do?
Century Next Financial Corporation, established in 1905 and headquartered in Ruston, Louisiana, functions as the holding company for Century Next Bank, a community-focused regional bank. The institution has evolved over a century to provide a comprehensive array of banking services primarily tailored to the needs of small and medium-sized businesses, professionals, and individual customers. Its product offerings are extensive, encompassing various savings account products, checking accounts, and associated services designed for both personal and business use. On the lending side, Century Next Bank provides a diverse portfolio including mortgage loans, reverse mortgage options, construction loans, and general business loans. Additionally, it offers home equity lines of credit, business lines of credit, and specialized real estate lending solutions for both residential and commercial clients. Beyond traditional deposit and lending services, the company integrates modern banking conveniences such as remote deposit capture services and comprehensive cash management solutions. These cash management tools include support for employee payroll processing and electronic federal tax payment systems, alongside consumer or business draft and payment services. For physical convenience, the bank offers safe deposit boxes, while also providing gift and credit cards, merchant services, night deposit facilities, and mobile banking capabilities. As of January 26, 2022, Century Next Bank maintained a regional footprint with eight operational locations. This network includes four banking offices in Louisiana (two in Ruston, one in Monroe, and one in West Monroe) and four locations in Arkansas (two banking offices in Crossett, one in Hamburg, and a drive-through facility with limited services in Fountain Hill). This localized presence underscores its strategy of serving specific community needs.
What Products and Services Does CTUY Offer?
- Operates as the holding company for Century Next Bank.
- Offers a variety of savings and checking account products and services.
- Provides mortgage, reverse mortgage, construction, and general business loans.
- Extends home equity and business lines of credit to customers.
- Facilitates real estate lending for both residential and commercial properties.
- Delivers remote deposit capture and comprehensive cash management services, including payroll and electronic tax payments.
- Offers additional banking conveniences such as safe deposit boxes, gift cards, credit cards, merchant services, and mobile banking.
- Serves customers through eight physical locations across Louisiana and Arkansas.
How Does CTUY Make Money?
- Generates interest income primarily from its diverse loan portfolio, which includes mortgages, business loans, construction loans, and real estate lending.
- Earns fee income from various banking services such as cash management solutions, merchant services, and account-related charges.
- Manages a stable deposit base from checking and savings accounts, which serves as a primary funding source for its lending activities.
- Operates through a network of physical branches in Louisiana and Arkansas, fostering local relationships and facilitating customer acquisition and service.
- Aims to optimize its net interest margin by effectively managing the spread between interest earned on assets and interest paid on liabilities.
What Industry Does CTUY Operate In?
Century Next Financial Corporation operates within the 'Banks - Regional' industry, a segment characterized by institutions that primarily serve specific geographic areas, often focusing on local communities, small and medium-sized businesses, and individual consumers. This positioning allows regional banks like Century Next to build deep customer relationships and leverage local market knowledge, often providing more personalized services than larger national banks. The competitive landscape includes other regional banks, community banks, credit unions, and increasingly, digital-only financial service providers. Market trends in this sector often involve managing interest rate environments, adapting to evolving regulatory frameworks, and investing in technology to enhance customer experience and operational efficiency. Century Next's long operating history since 1905 and its established branch network in Louisiana and Arkansas place it as a foundational financial service provider within its specific regional markets.
Who Are CTUY's Key Customers?
- Small and medium-sized businesses (SMBs) seeking commercial loans, lines of credit, and cash management services.
- Professionals requiring tailored financial solutions and personal banking services.
- Individual consumers utilizing checking, savings, mortgage, and other personal loan products.
- Residential and commercial real estate developers and investors seeking property-related financing.
Century Next Financial Corporation (CTUY) Valuation Context
Valued at $84.62M, CTUY is classified as a micro-cap stock. Relative to its peer group, CTUY's quantitative score of 51/100 is below the peer average of 68/100.
CTUY Revenue & Earnings Trend
In Q1 2026, CTUY generated $13.7M in top-line revenue, marking a sequential decrease of 2.2%. The company recorded net income of $3.5M, with diluted EPS of $1.89. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Financial Services stock should monitor closely. Across the four most recent quarters, CTUY averaged $2.09 in diluted EPS.
Company Profile
Century Next Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Ruston, US. The company is led by CEO William D. Hogan. CTUY has traded publicly since 2010.
ROE 16%Key Financial Metrics
Return on equity for Century Next Financial Corporation stands at 15.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. CTUY trades at a trailing price-to-earnings ratio of 7.77, below the Financial Services sector average of ~18x. Its free cash flow yield is 19.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 12.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Century Next Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
CTUY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- CTUY insiders seem to be positioning themselves favorably, which often signals confidence in the company's future.
- The overall community sentiment around CTUY appears optimistic, suggesting positive expectations for upcoming developments.
- Recent market developments seem to favor CTUY's business model, potentially creating tailwinds for growth.
- Bullish community members highlight CTUY's potential to capitalize on current market trends, indicating strong future performance.
Bear Case
- Despite insider activity, some in the community express concerns about the company's long-term strategy.
- A segment of the community remains skeptical, citing potential challenges in CTUY's competitive landscape.
- Bearish views suggest that CTUY might face headwinds due to shifting market conditions.
- Some analysts believe market perception of CTUY is overly optimistic, potentially setting the stage for disappointment if expectations aren't met.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $14M | $4M | $1.89 |
| Q4 2025 | $14M | $4M | $2.03 |
| Q3 2025 | $15M | $4M | $2.30 |
| Q2 2025 | $14M | $4M | $2.14 |
Based on FMP financials and quantitative analysis
CTUY Latest News
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
CTUY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CTUY.
Price Targets
Wall Street price target analysis for CTUY.
CTUY MoonshotScore
What does this score mean?
The MoonshotScore rates CTUY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: William D. Hogan
Chief Executive Officer
Unknown. Specific details regarding William D. Hogan's career history, educational background, and previous executive roles are not provided in the source data. He is identified as managing 36 employees within the organization.
Track Record: Unknown. Key achievements, strategic decisions, or specific company milestones directly attributable to William D. Hogan's leadership are not detailed in the provided information. His role as CEO implies oversight of the company's operations and strategic direction.
CTUY OTC Market Information
Century Next Financial Corporation trades on the 'OTC Other' tier of the OTC market. This tier represents the lowest level of the OTCQX Best Market, OTCQB Venture Market, and Pink Open Market. Companies in the 'OTC Other' tier do not meet the minimum financial or disclosure requirements of the higher tiers, nor do they qualify for a listing on major exchanges like the NYSE or NASDAQ. This classification generally indicates less public information available, potentially higher risk, and often less liquidity compared to higher-tiered or exchange-listed securities. Investors typically face greater challenges in obtaining comprehensive financial and operational data.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public information due to 'Unknown' disclosure status, hindering comprehensive investor analysis.
- Potentially low trading volume and wide bid-ask spreads, leading to poor liquidity and higher transaction costs.
- Lack of stringent regulatory oversight and financial reporting requirements compared to major stock exchanges.
- Increased susceptibility to price manipulation and difficulty in obtaining accurate market valuations.
- Higher inherent risk for investors due to reduced transparency and market efficiency.
- Thoroughly review any available financial statements and corporate filings, even if limited.
- Investigate the company's business model, competitive landscape, and operational performance.
- Attempt to verify the background and track record of management, if any information can be found externally.
- Assess the company's capital structure, debt levels, and any outstanding legal or regulatory issues.
- Understand the specific risks associated with investing in an 'OTC Other' tier stock with unknown disclosure.
- Consult with independent financial and legal advisors experienced in OTC markets.
- Analyze any available trading data to gauge liquidity, including average daily volume and bid-ask spreads.
- Established operating history since 1905, indicating a long-standing business.
- Operates as a regulated financial institution, Century Next Bank, suggesting oversight by banking authorities.
- Identified CEO, William D. Hogan, and a stated employee count of 36.
- Maintains physical branch locations across two states (Louisiana and Arkansas), signifying tangible operations.
- Provides traditional banking services, indicating a real and active business model.
Century Next Financial Corporation Financial Services Stock: Key Questions Answered
How does Century Next Financial Corporation make money in financial services?
Century Next Financial Corporation primarily generates revenue through its subsidiary, Century Next Bank, by leveraging a traditional community banking model. The core of its income stream is derived from net interest income, which is the difference between the interest earned on its diverse loan portfolio—including mortgages, business loans, construction loans, and real estate lending—and the interest paid on customer deposits such as checking and savings accounts. Additionally, the bank earns non-interest income through various fee-based services. These include charges for cash management solutions, merchant services, and other account-related fees. By effectively managing its loan portfolio, deposit base, and service offerings across its Louisiana and Arkansas branches, the company aims to optimize its profitability within the regional financial services market.
What is Century Next Financial Corporation's credit quality and risk management approach?
Specific details regarding Century Next Financial Corporation's credit quality, such as non-performing loan ratios, provision levels for loan losses, or detailed risk management frameworks, are not provided in the source data. However, as a regulated financial institution, Century Next Bank would typically employ standard risk management practices. These generally involve assessing borrower creditworthiness, diversifying its loan portfolio across various segments (residential, commercial, business), and establishing internal policies for loan underwriting and monitoring. The bank would also manage interest rate risk, liquidity risk, and operational risk inherent in banking. Without specific data, a detailed assessment of its loan portfolio quality or the effectiveness of its risk management approach cannot be made based solely on the provided information.
What are the main risks for CTUY?
Century Next Financial Corporation faces several key risks inherent to the regional banking sector. A primary concern is its concentrated geographic footprint in Louisiana and Arkansas, making it susceptible to regional economic downturns that could negatively impact loan demand, increase loan defaults, and reduce deposit growth. Interest rate fluctuations pose another significant risk, as changes can affect the bank's net interest margin if the rates earned on assets and paid on liabilities move unfavorably. The company also operates in a highly competitive environment, contending with larger national banks, other regional institutions, and credit unions for customers. Furthermore, regulatory changes in the financial services industry can lead to increased compliance costs, while cybersecurity threats and potential data breaches represent ongoing operational and reputational risks.
What is Century Next Financial Corporation's geographic footprint and strategy?
As of January 26, 2022, Century Next Financial Corporation's geographic footprint includes eight physical locations strategically positioned across Louisiana and Arkansas. In Louisiana, it operates two banking offices in Ruston, one in Monroe, and one in West Monroe. In Arkansas, its presence includes two banking offices in Crossett, one in Hamburg, and a drive-through facility with limited services in Fountain Hill. The company's strategy is deeply rooted in a community-centric banking model, focusing on providing personalized financial services to small and medium-sized businesses, professionals, and individuals within these specific regional markets. This localized approach allows the bank to cultivate strong customer relationships, leverage deep market knowledge, and tailor its product offerings to meet the unique needs of the communities it serves, differentiating itself from larger, more generalized financial institutions.
What are the key factors to evaluate for CTUY?
Century Next Financial Corporation (CTUY) holds an AI score of 51/100 (moderate). P/E: 7.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CTUY data refresh on this page?
CTUY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CTUY's recent stock price performance?
Century Next Financial Corporation (CTUY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing operational history since 1905, fostering strong community trust and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CTUY overvalued or undervalued right now?
Century Next Financial Corporation (CTUY) trades at 7.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited specific financial metrics beyond market cap, profit margin, gross margin, beta, and dividend yield were provided.
- No FMP PEER TICKERS were provided in the source data, leading to a generic competitor entry.
- Detailed CEO background and track record information were not provided, resulting in 'Unknown' entries for those fields.
- Specific credit quality metrics and detailed risk management frameworks were not provided in the source data.