Century Financial Corporation (CYFL)
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 Financial Corporation (CYFL) trades at $47.48 with AI Score 53/100 (Grade B). Century Financial Corporation is a bank holding company based in Coldwater, Michigan, providing a wide range of financial and trust services. Market cap: $309.09M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for CYFL: CYFL 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 CYFL against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CYFL: 2/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Century Financial Corporation (CYFL) Financial Services Profile
Century Financial Corporation, through its subsidiary Century Bank and Trust, offers a comprehensive suite of financial services, including deposit and loan products, trust services, and online banking, positioning itself as a key player in Michigan's regional banking landscape.
What Is the Investment Thesis for CYFL?
Century Financial Corporation presents a compelling investment thesis driven by its robust financial metrics and strategic growth initiatives. With a market capitalization of $309.09M and a P/E ratio of 8.2, the company demonstrates strong profitability, evidenced by a profit margin of 30.5% and a gross margin of 84.9%. The bank's diverse range of financial products, coupled with its established presence in Michigan, positions it well to capitalize on regional economic growth. Key growth catalysts include the expansion of its loan portfolio, particularly in residential mortgages and small business lending, which are expected to drive revenue growth in the coming years. Additionally, the company's commitment to enhancing its online and mobile banking capabilities is likely to attract a broader customer base, particularly among younger demographics. However, potential risks include exposure to interest rate fluctuations and economic downturns that may impact loan performance. Overall, Century Financial Corporation's strong operational fundamentals and strategic focus on community banking present a favorable outlook for future growth.
Based on FMP financials and quantitative analysis
CYFL Key Highlights
- Market capitalization of $309.09M, indicating a solid presence in the regional banking sector.
- P/E ratio of 8.2, reflecting a valuation that may appeal to value-oriented investors.
- Profit margin of 30.5%, significantly higher than many regional banks, showcasing operational efficiency.
- Gross margin of 84.9%, indicating strong revenue generation capabilities from its financial services.
- Dividend yield of 3.02%, providing a steady income stream for investors.
Who Are CYFL's Competitors?
CYFL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FHN First Horizon Corporation | $25.82 | +0.56% | $12.26B | 86 |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| PB Prosperity Bancshares, Inc. | $70.72 | -0.26% | $7.13B | 80 |
| 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 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CYFL's Key Strengths?
- Established brand with over 130 years of experience in banking.
- Strong profit margins indicating operational efficiency.
- Diverse product offerings catering to various customer segments.
- Community-focused approach enhancing customer relationships.
What Are CYFL's Weaknesses?
- Limited geographic reach compared to larger national banks.
- Dependence on local economic conditions for growth.
- Potential challenges in scaling digital banking capabilities.
- Smaller asset base may limit competitive pricing strategies.
What Could Drive CYFL Stock Higher?
- Expansion of digital banking services expected to attract younger clientele in the next 12 months.
- Strong loan growth driven by increased demand for residential mortgages and small business loans.
- Continuous community engagement initiatives enhancing brand loyalty and customer retention.
What Are the Key Risks for CYFL?
- Financial-distress signal — its Altman Z-Score of 0.76 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns could adversely affect loan performance and profitability.
- Regulatory changes may impact operational compliance and increase costs.
- Rising interest rates could dampen loan demand and affect net interest margins.
What Are the Growth Opportunities for CYFL?
- Expansion of Loan Portfolio: Century Financial Corporation aims to increase its loan portfolio, particularly in residential mortgages and small business lending. The U.S. residential mortgage market is projected to grow to $12 trillion by 2027, providing ample opportunity for growth. By enhancing its loan offerings and marketing strategies, the company can capture a larger share of this expanding market.
- Digital Banking Enhancement: As consumer preferences shift towards digital banking, Century Financial Corporation is investing in its online and mobile banking platforms. The global digital banking market is expected to reach $8.5 trillion by 2027. By improving user experience and expanding digital services, the company can attract younger customers and increase engagement with existing clients.
- Trust and Investment Services Growth: With a growing focus on wealth management and estate planning, Century Financial Corporation can expand its trust and investment services. The U.S. wealth management market is projected to grow to $30 trillion by 2025. By enhancing its advisory services, the company can tap into this lucrative market and provide comprehensive financial solutions.
- Community Engagement Initiatives: By strengthening community engagement and support programs, Century Financial Corporation can enhance its brand loyalty and attract new customers. Localized marketing strategies and community involvement can lead to increased deposits and loan applications, particularly in underserved markets.
- Diversification of Financial Products: The company can explore opportunities to diversify its financial product offerings, including innovative loan products and insurance services. The insurance market is projected to grow to $7 trillion by 2025, and by introducing new products, Century Financial Corporation can enhance its revenue streams and meet evolving customer needs.
What Opportunities Does CYFL Have?
- Expansion into new markets to increase customer base.
- Investment in technology to enhance digital banking services.
- Growing demand for trust and investment services among clients.
- Potential partnerships with local businesses for mutual growth.
What Threats Does CYFL Face?
- Increasing competition from larger regional and national banks.
- Economic downturns impacting loan performance and profitability.
- Regulatory changes affecting banking operations and compliance costs.
- Rising interest rates potentially impacting loan demand.
What Are CYFL's Competitive Advantages?
- Strong community ties and local market knowledge enhance customer loyalty.
- Diverse range of financial products tailored to meet specific customer needs.
- Established reputation and history since 1890, fostering trust and credibility.
- Personalized banking experiences that larger banks may not provide.
- Focus on regional markets allows for targeted marketing and customer engagement.
What Does CYFL Do?
Founded in 1890, Century Financial Corporation has established itself as a prominent bank holding company for Century Bank and Trust, headquartered in Coldwater, Michigan. The company has evolved over the years to provide a diverse array of financial and trust services, catering to both individual and business clients. Its primary deposit products encompass checking accounts, savings accounts, term certificates, and individual retirement accounts, reflecting a commitment to meet the varied needs of its customer base. In addition to deposit services, Century Financial Corporation offers a wide range of loan products, including residential mortgages, home equity loans, auto loans, and specialized loans for debt consolidation, construction, and agri-business. The company also provides small business loans, real estate financing, and various lines of credit, ensuring comprehensive financial support for its clients. Century Financial Corporation operates through a network of eleven banking offices strategically located in Branch, St. Joseph, and Hillsdale Counties, enhancing its accessibility to local communities. The company prides itself on delivering personalized banking experiences, supported by advanced online and mobile banking services that facilitate account management and transactions. Furthermore, it offers trust, investment planning, estate and financial planning, insurance advisory, and retirement planning services, solidifying its role as a trusted financial partner. With a workforce of 127 employees, Century Financial Corporation continues to uphold its legacy of community-focused banking while adapting to the evolving financial landscape.
What Products and Services Does CYFL Offer?
- Operate as a bank holding company for Century Bank and Trust.
- Provide a range of deposit products including checking, savings, and retirement accounts.
- Offer various loan products such as mortgages, auto loans, and small business loans.
- Deliver trust and investment planning services to individuals and businesses.
- Facilitate online and mobile banking services for convenient account management.
- Provide receivables management and cash concentration services.
How Does CYFL Make Money?
- Generate revenue through interest income from loans and investment securities.
- Earn fees from deposit account services and transaction processing.
- Provide advisory services for trust and investment planning, generating additional income.
- Offer mortgage origination and processing services, contributing to overall revenue.
- Leverage community relationships to attract deposits and grow the customer base.
What Industry Does CYFL Operate In?
The regional banking industry, characterized by a focus on local markets, is experiencing steady growth driven by increasing demand for personalized banking services and financial products. As consumers seek more tailored solutions, banks like Century Financial Corporation are well-positioned to leverage their community ties and localized knowledge. The competitive landscape includes various regional banks and credit unions, with a growing emphasis on digital banking solutions. With a projected growth rate of 4% annually in the regional banking sector, Century Financial Corporation's commitment to enhancing its service offerings and expanding its customer base aligns with prevailing market trends.
Who Are CYFL's Key Customers?
- Individuals seeking personal banking and financial services.
- Small businesses requiring loans and financial management solutions.
- Local community members looking for trust and estate planning services.
- Clients interested in online banking and mobile financial management.
- Agricultural businesses needing specialized financing options.
Company Profile
Century Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Coldwater, US. The company is led by CEO Eric H. Beckhusen. CYFL has traded publicly since 2000.
ROE 14%Key Financial Metrics
Return on equity for Century Financial Corporation stands at 14.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. CYFL trades at a trailing price-to-earnings ratio of 8.22, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, 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 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
CYFL Valuation & Market Position
With a $309.09M market cap, Century Financial Corporation sits in the small-cap segment of the market. Relative to its peer group, CYFL's quantitative score of 53/100 is below the peer average of 77/100.
Quarterly Financial Performance: Century Financial Corporation
Revenue for Century Financial Corporation came in at $7.4M during Q1 2026, a 5.5% contraction versus the preceding quarter. The company recorded net income of $2.4M, with diluted EPS of $1.43. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, CYFL averaged $1.40 in diluted EPS.
F-Score 3/9Financial Health
Century Financial Corporation's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.76 places it in the distress zone, a signal of elevated financial risk.
CYFL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that management believes in its potential growth.
- Community sentiment has shifted positively, with discussions highlighting strong customer service and innovative financial products.
- Analysts are noting improvement in operational efficiency, which could lead to enhanced profitability moving forward.
- Market perception is buoyed by recent partnerships that may expand Century Financial's market reach and service offerings.
Bear Case
- Concerns over regulatory scrutiny in the financial sector could impact operational flexibility and growth opportunities.
- Social sentiment has shown some skepticism regarding the company's ability to compete with larger financial institutions, raising doubts about its market position.
- Recent earnings reports have not met community expectations, leading to increased bearish sentiment among traders.
- Some investors are wary of potential economic downturns that could affect consumer spending and, in turn, Century Financial's revenue.
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 | $7M | $2M | $1.43 |
| Q4 2025 | $8M | $2M | $1.34 |
| Q3 2025 | $8M | $3M | $1.54 |
| Q2 2025 | $7M | $2M | $1.28 |
Based on FMP financials and quantitative analysis
CYFL Latest News
No recent news available for CYFL.
CYFL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CYFL.
Price Targets
Wall Street price target analysis for CYFL.
CYFL MoonshotScore
What does this score mean?
The MoonshotScore rates CYFL's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Eric H. Beckhusen
CEO
Eric H. Beckhusen has been leading Century Financial Corporation with a focus on community banking and customer service excellence. He has extensive experience in the financial services sector, having held various leadership roles prior to his current position. His educational background includes a degree in finance, equipping him with the knowledge to navigate the complexities of the banking industry.
Track Record: Under Eric H. Beckhusen's leadership, Century Financial Corporation has seen significant growth in its loan portfolio and an expansion of its service offerings. His strategic decisions have enhanced the company's community engagement and operational efficiency, contributing to its strong financial performance.
CYFL OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the stringent listing requirements of major exchanges like NYSE or NASDAQ. This tier typically includes smaller companies that may have lower trading volumes and less stringent reporting standards.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges, potentially leading to higher volatility.
- Limited access to financial information and disclosures may hinder informed investment decisions.
- Potential for greater price fluctuations due to lower trading volumes.
- Increased risk of fraud and less regulatory oversight in the OTC market.
- Verify the company's financial statements and performance metrics.
- Research the management team's experience and track record.
- Assess the competitive landscape and market positioning.
- Review recent news and developments related to the company.
- Understand the risks associated with OTC trading.
- Established history since 1890, indicating stability and experience.
- Regulatory compliance with banking authorities in Michigan.
- Community involvement and customer engagement initiatives.
CYFL Financial Services Stock FAQ
What does Century Financial Corporation do?
Century Financial Corporation operates as a bank holding company for Century Bank and Trust, providing a comprehensive range of financial services. These include deposit products such as checking and savings accounts, various loan offerings including mortgages and small business loans, and trust and investment planning services. The company focuses on serving individuals and businesses primarily in Michigan, with a commitment to community banking.
What do analysts say about CYFL stock?
Currently, there are no specific analyst ratings or price targets available for Century Financial Corporation. However, investors may consider the company's strong profit margins and P/E ratio as indicators of its financial health. The bank's focus on community banking and diverse service offerings could be viewed positively in the context of regional economic growth.
What are the main risks for CYFL?
Century Financial Corporation faces several risks, including exposure to economic downturns that could negatively impact loan performance and profitability. Additionally, regulatory changes may affect compliance costs and operational practices. The company is also susceptible to rising interest rates, which could reduce loan demand and compress net interest margins. Investors should carefully consider these factors when evaluating the company's risk profile.
What are the key factors to evaluate for CYFL?
Century Financial Corporation (CYFL) holds an AI score of 53/100 (moderate). P/E: 8.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CYFL data refresh on this page?
CYFL 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 CYFL's recent stock price performance?
Century Financial Corporation (CYFL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with over 130 years of experience in banking. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CYFL overvalued or undervalued right now?
Century Financial Corporation (CYFL) trades at 8.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CYFL?
Before investing in Century Financial Corporation (CYFL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Disclosure status of financial reports is currently unknown.