1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Century Financial Corporation

Century Financial Corporation

CYFL
Century Financial CorporationUS flagOther OTC
46.10
USD
-0.40
- -
300.11MMarket Cap
1997 Y
2004 Y
2005 Y
2006 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.73
5.57
6.51
6.61
7.82
8.54
9.1
9.81
9.74
11.01
13.77
15.12
- -
15.61
Basic EPS, GAAP
0.59
1.39
1.56
1.68
0.6
2
2.44
2.8
2.95
3.35
4.71
5.41
- -
5.54
Free Cash Flow per Basic Share
0.67
1.37
1.65
- -
1.6
2.45
2.29
2.08
4.1
3.64
4.4
6.28
- -
- -
Dividend per Share
0.3
0.77
0.83
- -
0.54
0.6
0.7
0.76
0.8
0.86
1.15
1.3
- -
- -
Book Value per Share
4.64
5.53
5.26
6.91
9.4
10.9
12.74
15.12
17.46
20.55
24.7
29.31
- -
33.63
Tangible Book Value per Share
5.15
13.58
13.79
13.85
18.99
19.87
22.3
24.71
26.26
24.64
29.46
34.31
- -
39.99
Basic Weighted Avg Shares
7
2
2
2
2
2
2
2
2
2
2
2
- -
2
Sales/Revenue/Turnover
5
11
13
14
15
16
17
18
18
19
23
25
26
26
Operating Margin (%)
- -
34.39
33.95
36.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
4
3
3
4
1
4
5
5
5
6
8
9
9
9
Effective Tax Rate (%)
17.05
27.22
29.37
29.62
29.84
17.79
19.23
18.46
18.71
18.12
18.97
18.31
19.13
19.13
Profit Margin (%)
80.76
25.03
23.98
25.39
7.62
23.43
26.87
28.57
30.25
30.42
34.2
35.78
35.48
35.48
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20
1
8
- -
5
2
8
6
6
6
6
5
5
5
Total Equity
37
28
28
29
37
38
42
45
48
43
50
57
66
66
Return on Invested Capital (%)
- -
5.89
8.44
8.66
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
13.16
12.89
28.74
28.02
7.04
19.67
20.59
19.84
17.96
17.34
20.55
19.85
17.55
16.97

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
71
79
77

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18
18
71
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.35%
8.27%
15.8%
Free Cash Flow
- -
25.8%
-8.76%
Net Income, GAAP
27.41%
12.85%
1.72%
Sales/Revenue/Turnover
7.09%
7.73%
2.59%
Total Cash Common Dividend
- -
11.02%
6.93%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
6
6
6
6
23
2024
6
6
6
7
25
2025
6
6
7
7
26

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.97
1.21
1.29
- -
4.71
2024
1.18
1.27
1.54
- -
5.41
2025
1.38
1.28
1.54
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.15
2024
- -
- -
- -
- -
1.3
2025
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Eric H. Beckhusen
Full Time Employees
127
Sector
Financial Services
Industry
Banks - Regional
Address
100 West Chicago Street Coldwater MI United States of America 49036
IPO Date
Apr 11, 2000
Website
centurybankandtrust.com
Similar Companies
WaFd, Inc. (WAFD)
The Daito Bank, Ltd. (8563.T)
Synovus Financial Corp. (SNV-PD)
PT Allo Bank Indonesia Tbk (BBHI.JK)
Union Bank of India (UNIONBANK.NS)
PT Bank Maspion Indonesia Tbk (BMAS.JK)
Business
Century Financial Corporation (CYFL) operates as a bank holding company for Century Bank and Trust, providing a comprehensive range of retail and commercial banking, trust, and financial services primarily through offices in southern Michigan, including Branch, St. Joseph, and Hillsdale counties; the company serves individuals, businesses, sole proprietorships, partnerships, limited liability companies, and corporations. Century Bank and Trust offers primary deposit products such as checking accounts, savings accounts, term certificates, and individual retirement accounts; lending products including residential mortgages, commercial loans, installment consumer loans, home equity loans, auto loans, specialty item loans, debt consolidation loans, construction and renovation loans, business term loans, agri-business loans, small business loans, real estate financing, lines of credit, letters of credit, and government loan guaranty programs; cash management services comprising account and deposit management, receivables and payments management including direct payment, remote deposit, merchant services, lock box processing, and cash concentration; digital banking solutions such as online and mobile banking, account alerts, night and direct deposit, notary, wire transfer, guarantee letters, ATM services, reorder and cashier's checks, debit cards, credit cards, gift cards, reloadable cards, payroll cards, mobile wallets, and safe deposit boxes; and trust and wealth management services encompassing trust administration, investment planning, estate planning, financial planning, insurance advisory, and retirement planning. Founded in 1890 and headquartered at 100 West Chicago Street in Coldwater, Michigan, the company maintains segments in commercial banking, residential real estate lending, and consumer lending with subsidiaries including Century Insurance Services and Century Mortgage Services. Recent developments include the announcement in August 2025 of a major remodel project at the Coldwater Main Office to enhance customer service, convenience, and accessibility with Phase 1 construction commencing on August 29, 2025; plans approved in May 2025 for a new 584-square-foot drive-through banking facility at the main branch, anticipated for completion in April 2026; and promotions in September 2025 of key team members Melinda Dean to Assistant Vice President and Mortgage Loan Officer, along with Jacob and Ryan to unspecified senior roles, reflecting ongoing operational enhancements and leadership strengthening; additionally, the company declared a special dividend of $0.65 per share payable on December 19, 2025, underscoring robust financial performance.