Century Next Financial Corporation (CTUY): fair value, margin of safety and Wheel Score

Is CTUY undervalued?

Century Next Financial Corporation (CTUY) closed at 73.00 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 255.11, which puts the price 71% 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 (533.74). 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.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for CTUY, so the nightly engine files it under Blend (value score 78, growth score 70, out of 100).

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.

Quality and financial health

Century Next Financial Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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. On durability CTUY scores 6.5/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

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 21.8%.

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.

Wheel Score 34: No options

No options are listed on Century Next Financial Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 34, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 1k 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 rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it 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.

⚖ Compare CTUY with 7 of them   All Financial Services stocks →