Century Financial Corp (CYFL)

Century Financial Corporation is a bank holding company for Century Bank and Trust, a financial institution that serves individuals and businesses with banking and trust-related services. Through its banking operations, the company provides deposit products including checking and savings accounts, term certificates, and individual retirement accounts. Its lending activities cover residential mortgages, commercial and consumer installment loans, home equity and auto loans, specialty item and debt consolidation financing, construction and renovation loans, business and agri-business loans, small business lending, real estate financing, lines of credit, letters of credit, and government-guaranteed loan programs. The company also offers account and deposit management, receivables and payment processing, online and mobile banking, alerts, cards, wallets, ATMs, and other transaction services. In addition, Century Financial provides trust, investment planning, estate and financial planning, insurance advisory, and retirement planning services. Founded in 1890, it is headquartered in Coldwater, Michigan.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score Payout Ratio
OTC-CYFL
$54.28
9.0% Upside
Fair
Not available
Not available
Good
2.1%
October 30, 2026
8.9x
1.2x
3.2x
82.152 M
5.7%
-0.7
18.0%
Valuation • Fair Value

Century Financial Corp (OTC-CYFL) Fair Value by Valuation Model

Review the available estimates for Century Financial Corp (OTC-CYFL), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$54.28

Estimated upside of 9.0% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$62.40

Classic Ben Graham valuation formula reference.

DDM Fair Value

$81.94

Dividend discount model valuation reference.

Comps Fair Value

$45.06

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Century Financial Corp (OTC-CYFL) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Century Financial Corp (OTC-CYFL)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

25.786 M

Current operating scale indicator.

Revenue Forecast

26.174 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Century Financial Corp (OTC-CYFL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Century Financial Corp (OTC-CYFL)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Altman Z-Score

-0.7

Lower score that deserves closer risk review.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Century Financial Corp (OTC-CYFL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Century Financial Corp (OTC-CYFL)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 30, 2026

Days to Earnings

38

Dividend Yield

2.1%

Current income yield reference.

Payout Ratio

18.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Century Financial Corp (OTC-CYFL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Century Financial Corp (OTC-CYFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Century Financial Corp (OTC-CYFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Century Financial Corp (OTC-CYFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Century Financial Corp (OTC-CYFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Century Financial Corp (OTC-CYFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Century Financial Corp (OTC-CYFL) Stock FAQ

Data-supported answers about Century Financial Corp (OTC-CYFL), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$54.28
Estimated upside 9.0%
Valuation Rating
Undervalued
Estimated upside of 9.0%
Financial Health
Good
Current financial-health read

The current fair value estimate for Century Financial Corp (OTC-CYFL) is $54.28. This implies an estimated upside of 9.0% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 9.0% versus the current market price.

The current financial health read for Century Financial Corp (OTC-CYFL) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Century Financial Corp (OTC-CYFL) is October 30, 2026.

Based on the current data, dividend yield is 2.1%.

The current P/E ratio listed for Century Financial Corp (OTC-CYFL) is 8.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Century Financial Corp is 82.152 M.

The ticker symbol for Century Financial Corp is OTC-CYFL, and the stock is listed on OTC Markets.

Century Financial Corp (OTC-CYFL) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Century Financial Corp is 5.7%, which helps investors evaluate the company’s financing structure and leverage profile.