Stock fact sheet · data as of
Century Next Financial Corporation (CTUY): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is CTUY undervalued?
Century Next Financial Corporation (CTUY) closed at 73.00 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 241.60, which puts the price 70% below it. 8 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (14.71) and GLS Growth (524.12). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files CTUY under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for CTUY
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 123.74 | +70% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 105.32 | +44% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 489.70 | +571% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 214.03 | +193% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 524.12 | +618% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 232.58 | +219% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 375.08 | +414% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 14.71 | -80% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 95.12 | +30% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -569.62 | -880% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Century Next Financial Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 8.3/10 puts CTUY among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
Returns on capital are high - ROIC 14.2%, ROE 15.4%, ROA 1.8% - with debt at 0.08 times equity and a free-cash-flow yield of 18.8%.
The dividend yield is 1.37% with a payout ratio of 12% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 14.2% |
|---|---|---|---|
| GLS Moat | 8.3 / 10 | ROE | 15.4% |
| Debt / equity | 0.08 | ROA | 1.8% |
| Free-cash-flow yield | 18.8% | Payout ratio | 12% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Century Next Financial Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $93M, with a beta of 0.19 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 70% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 12 / 15 | moat 8.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $93M cap, beta 0.19 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CTUY in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Century Next Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CULL Cullman Bancorp, Inc. | 17.00 | 11.20 | -52% | 24No options | $94M |
| PBKC Pioneer Bankcorp, Inc. | 83.99 | 243.32 | +65% | 39No options | $93M |
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| MFBP M&F Bancorp, Inc. | 49.00 | 24.66 | -99% | 24No options | $95M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| BCOW 1895 Bancorp of Wisconsin, Inc. | 18.45 | 11.52 | -60% | 26No options | $95M |
| BSFO Bank of San Francisco | 42.99 | 65.41 | +34% | 39No options | $95M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
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Start free See the Sunday ScanQuestions about CTUY
Is CTUY undervalued right now?
By the GLS models, yes: at 73.00 the stock is 70% below the average fair value of 241.60 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CTUY and what does it mean?
CTUY has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CTUY?
241.60 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Century Next Financial Corporation report earnings next?
No upcoming earnings date is recorded for CTUY in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CTUY have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CTUY, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.