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Century Financial Corporation (CYFL)
Coldwater, MI, US
Century Financial Corporation functions as the parent entity for Century Bank and Trust, delivering a comprehensive array of financial and trust services. For deposits, the institution offers fundamental checking and savings accounts, alongside term certificates and individual retirement accounts (IRAs). Its extensive lending portfolio addresses diverse requirements, encompassing residential mortgages, home equity loans, vehicle financing, and loans for specialty items, debt consolidation, and construction projects. Commercial clients can access business term loans, agri-business financing, small business loans, real estate funding, and lines of credit. The corporation also provides letters of credit and participates in government loan guarantee programs. Beyond its core banking products, Century Financial assists customers with account and deposit administration. Its receivables management solutions include direct payment processing, remote deposit capture, merchant services, lockbox processing, and cash concentration services. Digital banking is made convenient through online and mobile platforms. Additional client amenities include account alerts, night and direct deposit options, notary services, wire transfers, guarantee services, and ATM access. The company provides reorder and cashier's checks, and issues various cards such as debit, credit, gift, reloadable, and payroll cards, alongside card valet services. Safe deposit boxes are also available. The firm extends its expertise into specialized domains like trust management, investment planning, estate planning, general financial advisory, insurance consultation, and retirement planning. It caters to both individual consumers and business enterprises. Founded in 1890 and based in Coldwater, Michigan, Century Financial Corporation operates eleven banking offices located across Branch, St. Joseph, and Hillsdale Counties within Michigan.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -2.21% | -4.04% | -2.06% | -0.80% | -1.05% | +8.63% | +73.48% | +84.31% | +190.60% | +34.40% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth+1.9% Q1'26: +1.0% (vs Q1'25)
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EPS growth+2.4% Q1'26: +3.6% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +39.7% (vs Q1'25)
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ROIC— Q1'26: +15.8% (vs Q1'25)
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Share dilution-0.7% Q1'26: -0.2% (vs Q1'25)
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Debt / EBITDA— Q1'26: 0.43× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-04-27 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eric H. Beckhusen | Chairman & Chief Executive Officer | — | male |
| Eric J. Wynes | President & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CYFL
Short-term intention
Target Price Distribution
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