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Century Financial Corporation (CYFL) Fair Value & Analysis

Financial Services · US · Market cap $78.3M

Price$47.48
Fair Value$72.18
Upside+52.0%
Quality95/100
Evidence: High Range $54.13 – $90.22

Fair value as of: Jun 26, 2026

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Analysis

Century Financial Corporation (CYFL) currently trades at $47.48, while our model-based Fair Value estimate is $72.18 — implying the stock looks roughly 52.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Century Financial Corporation operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services. The company's primary deposit products include checking, savings, term certificate, and individual retirement accounts. It also provides residential mortgages, commercial, and installment consumer loans; home equity, auto, specialty item, debt consolidation, construction and renovation, business term, and agri-business loans; small business Loans; real estate financing; lines of credit; letters of credit; and government loan guaranty programs. In addition, the company offers account and deposit management; receivables and payments management services, such as direct payment, remote deposit, merchant, lock box processing, and cash concentration services; and online and mobile banking services. Further, it offers account alerts; night and direct deposit, notary, wire transfer, guarantee, and ATM services; reorder and cashier's checks; debit…

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Frequently asked questions

Is Century Financial Corporation (CYFL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $72.18 versus a price of $47.48 — about +52% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CYFL?
Our 21-model fair value for Century Financial Corporation is $72.18 (as of Jun 26, 2026), built from audited fundamentals. The current price is $47.48.
What is the quality score of CYFL?
Century Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.