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Century Next Financial Corporation operates as the holding company for the Century Next Bank that provides various banking products and services in Louisiana and Arkansas. The company offers checking, savings, and money market accounts; demand deposits; personal loans; business loans and business lines of credit; and mortgage loans, such as home buying and construction, refinancing, home equity line of credit, and reverse mortgage. It also provides residential real estate loans; and commercial, multi-family, agricultural real estate loans, land, and residential construction loans, as well as consumer loans comprising overdrafts. In addition, the company offers automated clearing house services; employee payroll; consumer or business drafts or payments; electronic federal tax payment system; positive pay; merchant services; remote deposit capture; online and mobile banking services; safe deposit boxes; gift and credit cards; notary services; official checks; and research and reconciliation services. Century Next Financial Corporation was founded in 1905 and is headquartered in Ruston, Louisiana.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Century Next Financial Corporation (OTCQX: CTUY) is limited; its OTCQX listing and brief company description identify it as a financial services/holding company that appears positioned to serve retail and commercial customers. Long-term growth may benefit from loan and deposit expansion, net interest margin improvement, modest geographic or product diversification, and adoption of digital channels, which could appeal to investors seeking exposure to a regional financial franchise.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 19.34M | 15.07M | 8.37M | 6.88M | 6.25M |
| Net income | 15.53M | 12.14M | 6.75M | 5.22M | 4.78M |
| Selling general administrative | 15.29M | 14.55M | 13.85M | 12.67M | 13.06M |
| Reconciled depreciation | 0.68M | 0.60M | 0.58M | 0.57M | 0.61M |
| Other operating expenses | - | - | - | 2.39M | 2.23M |
| Interest expense | 13.95M | 15.48M | 13.46M | 4.97M | 2.54M |
| Tax provision | 3.81M | 2.93M | 1.62M | 1.66M | 1.47M |
| Interest income | 52.58M | 48.49M | 38.51M | 26.96M | 24.34M |
| Net interest income | 38.63M | 33.01M | 25.04M | 21.99M | 21.79M |
| Income tax expense | - | - | - | 1.66M | 1.47M |
| Total revenue | 42.26M | 36.41M | 28.36M | 25.64M | 25.62M |
| Net income from continuing ops | 15.53M | 12.14M | 6.75M | 5.22M | 4.78M |
| Net income applicable to common shares | - | - | - | 5.22M | 4.78M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 876.92M | 869.40M | 765.85M | 643.32M | 553.47M |
| Intangible assets | 0.70M | 0.94M | 1.19M | - | - |
| Other current assets | - | - | - | 3.74M | 3.19M |
| Total liab | 775.95M | 786.34M | 693.96M | 578.81M | 493.16M |
| Total stockholder equity | 100.97M | 83.06M | 71.89M | 64.50M | 60.31M |
| Other current liab | - | - | - | - | 0.07M |
| Common stock | - | - | - | 0.02M | 0.02M |
| Capital stock | 0.02M | 0.02M | 0.02M | 0.02M | 0.02M |
| Retained earnings | 62.81M | 48.67M | 37.32M | 31.24M | 26.62M |
| Other liab | - | - | - | 3.92M | 4.04M |
| Good will | 2.20M | 2.20M | 2.20M | - | - |
| Other assets | - | - | - | 555.04M | 450.21M |
| Cash | 48.30M | 125.60M | 102.71M | 40.48M | 72.11M |
| Total current liabilities | - | - | - | 566.44M | 474.59M |
| Short long term debt | - | - | 0.00M | 6.00M | - |
| Other stockholder equity | - | - | - | -1.38M | -0.30M |
| Property plant equipment | - | - | - | 9.53M | 9.61M |
| Total current assets | - | - | - | 46.96M | 75.33M |
| Long term investments | 142.56M | 98.91M | 36.52M | 26.57M | 12.88M |
| Net tangible assets | - | - | - | 60.84M | 56.40M |
| Short term investments | 140.65M | 96.69M | 34.02M | 23.91M | 10.01M |
| Net receivables | 3.69M | 3.65M | 2.81M | 2.12M | 1.78M |
| Long term debt | 8.45M | 8.45M | 8.45M | 8.45M | 14.45M |
| Inventory | - | - | - | 0.81M | 0.03M |
| Accounts payable | 0.09M | 0.05M | 0.11M | 560.38M | 474.48M |
| Capital lease obligations | 0.09M | 0.06M | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -40.07M | -64.02M | -72.77M | -15.72M | -11.89M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | - | - | - | -121.16M | -31.73M |
| Net borrowings | - | - | -6.00M | - | - |
| Total cash from financing activities | -12.65M | 90.12M | 79.94M | 85.45M | 32.78M |
| Change to operating activities | - | - | - | -1.45M | 0.87M |
| Net income | 15.53M | 12.14M | 6.75M | 5.22M | 4.78M |
| Change in cash | -77.38M | 20.71M | 18.11M | -29.70M | 10.69M |
| Begin period cash flow | 125.67M | 104.96M | 53.73M | 72.11M | 61.43M |
| End period cash flow | 48.30M | 125.67M | 71.84M | 42.41M | 72.11M |
| Total cash from operating activities | 16.69M | 14.29M | 10.93M | 6.01M | 9.63M |
| Issuance of capital stock | 0.46M | 0.31M | 0.20M | 0.23M | 0.20M |
| Depreciation | 0.68M | 0.60M | 0.58M | 0.57M | 0.85M |
| Other cashflows from investing activities | - | - | - | -3.96M | 1.20M |
| Dividends paid | -1.39M | -0.77M | 0.58M | -0.54M | -0.48M |
| Change to account receivables | 2.79M | -3.02M | 3.14M | -1.47M | 0.54M |
| Sale purchase of stock | -0.10M | -0.02M | -0.08M | -0.09M | -0.26M |
| Other cashflows from financing activities | - | - | - | 85.91M | 32.86M |
| Change to netincome | - | - | - | 3.13M | 2.59M |
| Capital expenditures | 0.45M | 0.86M | 0.59M | 0.56M | 0.60M |
| Change in working capital | 3.74M | -0.49M | 3.23M | -2.92M | 1.41M |
| Stock based compensation | 0.57M | 0.53M | 0.55M | 0.57M | 0.65M |
| Other non cash items | -0.20M | 0.00M | 0.07M | 0.00M | 0.06M |
| Free cash flow | 16.25M | 13.43M | 10.34M | 5.44M | 9.04M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CTUY Century Next Financial Corporation |
-0.49 0.67% |
73.01 | 8.56 | - | 3.13 | 1.26 | 3.27 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Century Next Financial Corporation operates as the holding company for the Century Next Bank that provides various banking products and services in Louisiana and Arkansas. The company offers checking, savings, and money market accounts; demand deposits; personal loans; business loans and business lines of credit; and mortgage loans, such as home buying and construction, refinancing, home equity line of credit, and reverse mortgage. It also provides residential real estate loans; and commercial, multi-family, agricultural real estate loans, land, and residential construction loans, as well as consumer loans comprising overdrafts. In addition, the company offers automated clearing house services; employee payroll; consumer or business drafts or payments; electronic federal tax payment system; positive pay; merchant services; remote deposit capture; online and mobile banking services; safe deposit boxes; gift and credit cards; notary services; official checks; and research and reconciliation services. Century Next Financial Corporation was founded in 1905 and is headquartered in Ruston, Louisiana.
| Name | Title | Year Born |
|---|---|---|
| Mr. William D. Hogan | Pres, CEO & Director | 1963 |
| Mr. Mark A. Taylor CPA, CPA, CGMA | Exec. VP and Chief Financial & Risk Officer | 1962 |
| Ms. Lorie R. Hamlin | Exec. VP & COO | 1981 |
| Mr. John Tompkins | VP of Lending & Admin. | NA |
| Ms. Mitsy S. Huffstetler CRCM | Sr. VP & Compliance Officer | NA |
| Ms. Angela Carpenter | Sr. VP of Operations & Marketing | NA |
| Ms. Carla Raborn | Sr. VP of HR | NA |
| Mr. David Layne Weeks | Exec. VP & Chief Credit Officer | 1969 |
| Ms. Courtnie Beach | Sr. VP of Commercial & Mortgage Lending | NA |
| Ms. Toni Bacon | Sr. VP of Commercial Lending | NA |
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