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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.17
CNBKA's Cash to Debt is ranked lower than
86% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CNBKA: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
CNBKA' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.28 Max: 56.43
Current: 0.17
0.1
56.43
Equity to Asset 0.05
CNBKA's Equity to Asset is ranked lower than
90% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNBKA: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
CNBKA' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.09
Current: 0.05
0.05
0.09
Interest Coverage 1.19
CNBKA's Interest Coverage is ranked lower than
58% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CNBKA: 1.19 )
Ranked among companies with meaningful Interest Coverage only.
CNBKA' s 10-Year Interest Coverage Range
Min: 0.16  Med: 0.60 Max: 1.19
Current: 1.19
0.16
1.19
F-Score: 2
WACC vs ROIC
5.56%
4.59%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.84
CNBKA's Operating margin (%) is ranked lower than
55% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CNBKA: 27.84 )
Ranked among companies with meaningful Operating margin (%) only.
CNBKA' s 10-Year Operating margin (%) Range
Min: 14.77  Med: 26.60 Max: 37.73
Current: 27.84
14.77
37.73
Net-margin (%) 26.88
CNBKA's Net-margin (%) is ranked higher than
67% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CNBKA: 26.88 )
Ranked among companies with meaningful Net-margin (%) only.
CNBKA' s 10-Year Net-margin (%) Range
Min: 9.74  Med: 21.77 Max: 26.82
Current: 26.88
9.74
26.82
ROE (%) 11.44
CNBKA's ROE (%) is ranked higher than
72% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CNBKA: 11.44 )
Ranked among companies with meaningful ROE (%) only.
CNBKA' s 10-Year ROE (%) Range
Min: 4.46  Med: 11.25 Max: 15.48
Current: 11.44
4.46
15.48
ROA (%) 0.61
CNBKA's ROA (%) is ranked lower than
64% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CNBKA: 0.61 )
Ranked among companies with meaningful ROA (%) only.
CNBKA' s 10-Year ROA (%) Range
Min: 0.28  Med: 0.64 Max: 1.14
Current: 0.61
0.28
1.14
ROC (Joel Greenblatt) (%) 95.50
CNBKA's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. CNBKA: 95.50 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CNBKA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 29.5  Med: 89.50 Max: 214.46
Current: 95.5
29.5
214.46
Revenue Growth (3Y)(%) 4.30
CNBKA's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CNBKA: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNBKA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 6.40 Max: 16.1
Current: 4.3
0
16.1
EBITDA Growth (3Y)(%) 2.30
CNBKA's EBITDA Growth (3Y)(%) is ranked lower than
65% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CNBKA: 2.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNBKA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 10.00 Max: 29.6
Current: 2.3
0
29.6
EPS Growth (3Y)(%) 9.30
CNBKA's EPS Growth (3Y)(%) is ranked lower than
51% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CNBKA: 9.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNBKA' s 10-Year EPS Growth (3Y)(%) Range
Min: -26.4  Med: 13.80 Max: 29.9
Current: 9.3
-26.4
29.9
» CNBKA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

CNBKA Guru Trades in Q3 2013

Jim Simons 8,200 sh (+12.33%)
Scott Black 8,546 sh (+3.01%)
» More
Q4 2013

CNBKA Guru Trades in Q4 2013

Jim Simons Sold Out
Scott Black 8,466 sh (-0.94%)
» More
Q1 2014

CNBKA Guru Trades in Q1 2014

Scott Black Sold Out
» More
Q1 2015

CNBKA Guru Trades in Q1 2015

Scott Black 5,284 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with CNBKA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.51
CNBKA's P/E(ttm) is ranked higher than
71% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CNBKA: 10.51 )
Ranked among companies with meaningful P/E(ttm) only.
CNBKA' s 10-Year P/E(ttm) Range
Min: 6.44  Med: 10.30 Max: 34.68
Current: 10.51
6.44
34.68
Forward P/E 8.72
CNBKA's Forward P/E is ranked higher than
78% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. CNBKA: 8.72 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.20
CNBKA's PE(NRI) is ranked higher than
68% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CNBKA: 11.20 )
Ranked among companies with meaningful PE(NRI) only.
CNBKA' s 10-Year PE(NRI) Range
Min: 6.42  Med: 10.58 Max: 34.5
Current: 11.2
6.42
34.5
P/B 1.16
CNBKA's P/B is ranked lower than
56% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CNBKA: 1.16 )
Ranked among companies with meaningful P/B only.
CNBKA' s 10-Year P/B Range
Min: 0.48  Med: 1.03 Max: 1.8
Current: 1.16
0.48
1.8
P/S 3.01
CNBKA's P/S is ranked lower than
51% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CNBKA: 3.01 )
Ranked among companies with meaningful P/S only.
CNBKA' s 10-Year P/S Range
Min: 0.97  Med: 2.35 Max: 12.75
Current: 3.01
0.97
12.75
POCF 13.85
CNBKA's POCF is ranked lower than
70% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. CNBKA: 13.85 )
Ranked among companies with meaningful POCF only.
CNBKA' s 10-Year POCF Range
Min: 3.97  Med: 12.88 Max: 1358
Current: 13.85
3.97
1358
EV-to-EBIT 22.57
CNBKA's EV-to-EBIT is ranked lower than
75% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. CNBKA: 22.57 )
Ranked among companies with meaningful EV-to-EBIT only.
CNBKA' s 10-Year EV-to-EBIT Range
Min: -3.5  Med: 23.10 Max: 166.3
Current: 22.57
-3.5
166.3
PEG 1.30
CNBKA's PEG is ranked lower than
57% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CNBKA: 1.30 )
Ranked among companies with meaningful PEG only.
CNBKA' s 10-Year PEG Range
Min: 0.21  Med: 0.63 Max: 3.14
Current: 1.3
0.21
3.14
Shiller P/E 12.61
CNBKA's Shiller P/E is ranked higher than
71% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. CNBKA: 12.61 )
Ranked among companies with meaningful Shiller P/E only.
CNBKA' s 10-Year Shiller P/E Range
Min: 6.46  Med: 13.29 Max: 17.01
Current: 12.61
6.46
17.01
Days Sales Outstanding 30.99
CNBKA's Days Sales Outstanding is ranked higher than
56% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. CNBKA: 30.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
CNBKA' s 10-Year Days Sales Outstanding Range
Min: 27.26  Med: 49.85 Max: 67.4
Current: 30.99
27.26
67.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.16
CNBKA's Dividend Yield is ranked lower than
84% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CNBKA: 1.16 )
Ranked among companies with meaningful Dividend Yield only.
CNBKA' s 10-Year Dividend Yield Range
Min: 1.15  Med: 1.76 Max: 4.53
Current: 1.16
1.15
4.53
Dividend Payout 0.12
CNBKA's Dividend Payout is ranked higher than
90% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CNBKA: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
CNBKA' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.19 Max: 2.75
Current: 0.12
0.12
2.75
Yield on cost (5-Year) 1.15
CNBKA's Yield on cost (5-Year) is ranked lower than
84% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CNBKA: 1.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNBKA' s 10-Year Yield on cost (5-Year) Range
Min: 1.15  Med: 1.76 Max: 4.53
Current: 1.15
1.15
4.53
Share Buyback Rate -0.10
CNBKA's Share Buyback Rate is ranked higher than
76% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CNBKA: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
CNBKA' s 10-Year Share Buyback Rate Range
Min: 1.8  Med: 0.00 Max: -0.5
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
CNBKA's Price/Tangible Book is ranked higher than
50% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CNBKA: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
CNBKA' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.39 Max: 2.26
Current: 1.18
0.62
2.26
Price/Projected FCF 1.58
CNBKA's Price/Projected FCF is ranked lower than
88% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CNBKA: 1.58 )
Ranked among companies with meaningful Price/Projected FCF only.
CNBKA' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.86 Max: 1.55
Current: 1.58
0.42
1.55
Price/Median PS Value 1.29
CNBKA's Price/Median PS Value is ranked lower than
72% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CNBKA: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
CNBKA' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.10 Max: 5.15
Current: 1.29
0.52
5.15
Price/Peter Lynch Fair Value 2.09
CNBKA's Price/Peter Lynch Fair Value is ranked lower than
86% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CNBKA: 2.09 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CNBKA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3  Med: 0.70 Max: 3.3
Current: 2.09
0.3
3.3
Price/Graham Number 0.75
CNBKA's Price/Graham Number is ranked higher than
62% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CNBKA: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
CNBKA' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 0.83 Max: 1.47
Current: 0.75
0.47
1.47
Earnings Yield (Greenblatt) (%) 4.42
CNBKA's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CNBKA: 4.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNBKA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 4.30 Max: 17.8
Current: 4.42
0.6
17.8
Forward Rate of Return (Yacktman) (%) 7.11
CNBKA's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CNBKA: 7.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNBKA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -22.6  Med: 9.60 Max: 48.7
Current: 7.11
-22.6
48.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:CNBKB.USA,
Century Bancorp Inc is a Massachusetts Corporation formed in 1972. The Company through its subsidiary bank, Century Bank and Trust Company, offers services to commercial enterprises, state and local governments and agencies, nonprofit organizations and individuals. It emphasizes service to small and medium-sized businesses and retail customers in its market area. The Company makes commercial loans, real estate and construction loans, and consumer loans and accepts savings, time and demand deposits. In addition, the Company offers to its corporate and institutional customers automated lockbox collection services, cash management services and account reconciliation services, and it actively promotes the marketing of these services to the municipal market. Also, the Company provides full-service securities brokerage services through a program called Investment Services at Century Bank, which is supported by LPL Financial, a full-service securities brokerage business. The Company is also a provider of financial services, including cash management, transaction processing and short-term financing, to municipalities in Massachusetts and Rhode Island. The Company experiences substantial competition in attracting deposits and making loans from commercial banks, thrift institutions and other enterprises such as insurance companies and mutual funds. As a bank holding company, the Company is subject to the regulation and supervision of the Federal Reserve Board.
» More Articles for CNBKA

Headlines

Articles On GuruFocus.com
Delphi Management's Scott Black Releases Fourth Quarter New Stocks Jan 31 2013 
comment on CNBKA Apr 03 2012 
Century BanCorp Inc. Reports Operating Results (10-Q) Nov 05 2010 
Century BanCorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
Century BanCorp Inc. Reports Operating Results (10-Q) May 05 2010 
Century BanCorp Inc. Reports Operating Results (10-Q) Nov 06 2009 
Century BanCorp Inc. Reports Operating Results (10-Q) Aug 07 2009 
Century BanCorp Inc. Reports Operating Results (10-Q) May 08 2009 
Century Bancorp, Inc. Announces 15% Earnings Growth for 2008 and an Increase in Assets to $1.8 Billi Jan 20 2009 

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