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Also traded in: USA

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 0.13
CNBKA's Cash to Debt is ranked lower than
89% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CNBKA: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
CNBKA' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.26 Max: 45.3
Current: 0.13
0.1
45.3
Equity to Asset 0.05
CNBKA's Equity to Asset is ranked lower than
91% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.09
Current: 0.05
0.05
0.09
Interest Coverage 1.17
CNBKA's Interest Coverage is ranked lower than
60% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CNBKA: 1.17 )
Ranked among companies with meaningful Interest Coverage only.
CNBKA' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 0.60 Max: 1.19
Current: 1.17
0.16
1.19
F-Score: 2
WACC vs ROIC
5.82%
3.96%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 27.40
CNBKA's Operating margin (%) is ranked lower than
60% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CNBKA: 27.40 )
Ranked among companies with meaningful Operating margin (%) only.
CNBKA' s Operating margin (%) Range Over the Past 10 Years
Min: 14.77  Med: 21.87 Max: 27.88
Current: 27.4
14.77
27.88
Net-margin (%) 26.78
CNBKA's Net-margin (%) is ranked higher than
64% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CNBKA: 26.78 )
Ranked among companies with meaningful Net-margin (%) only.
CNBKA' s Net-margin (%) Range Over the Past 10 Years
Min: 9.74  Med: 20.03 Max: 26.82
Current: 26.78
9.74
26.82
ROE (%) 11.28
CNBKA's ROE (%) is ranked higher than
71% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CNBKA: 11.28 )
Ranked among companies with meaningful ROE (%) only.
CNBKA' s ROE (%) Range Over the Past 10 Years
Min: 4.46  Med: 8.90 Max: 11.85
Current: 11.28
4.46
11.85
ROA (%) 0.60
CNBKA's ROA (%) is ranked lower than
67% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CNBKA: 0.60 )
Ranked among companies with meaningful ROA (%) only.
CNBKA' s ROA (%) Range Over the Past 10 Years
Min: 0.28  Med: 0.55 Max: 0.65
Current: 0.6
0.28
0.65
Revenue Growth (3Y)(%) 4.30
CNBKA's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CNBKA: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNBKA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.90 Max: 16.1
Current: 4.3
0
16.1
EBITDA Growth (3Y)(%) 2.30
CNBKA's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CNBKA: 2.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNBKA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.15 Max: 21.5
Current: 2.3
0
21.5
EPS Growth (3Y)(%) 9.30
CNBKA's EPS Growth (3Y)(%) is ranked higher than
54% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CNBKA: 9.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNBKA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.2  Med: 13.00 Max: 29.5
Current: 9.3
-26.2
29.5
» CNBKA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

CNBKA Guru Trades in Q1 2015

Scott Black 5,284 sh (New)
» More
Q2 2015

CNBKA Guru Trades in Q2 2015

Jim Simons 6,805 sh (New)
Scott Black 9,484 sh (+79.49%)
» More
Q3 2015

CNBKA Guru Trades in Q3 2015

Jim Simons 10,600 sh (+55.77%)
Scott Black 12,199 sh (+28.63%)
» More
Q4 2015

CNBKA Guru Trades in Q4 2015

Jim Simons 14,000 sh (+32.08%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 9.60
CNBKA's P/E(ttm) is ranked higher than
67% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. CNBKA: 9.60 )
Ranked among companies with meaningful P/E(ttm) only.
CNBKA' s P/E(ttm) Range Over the Past 10 Years
Min: 6.42  Med: 10.20 Max: 34.95
Current: 9.6
6.42
34.95
Forward P/E 8.72
CNBKA's Forward P/E is ranked higher than
54% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. CNBKA: 8.72 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.10
CNBKA's PE(NRI) is ranked higher than
67% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CNBKA: 10.10 )
Ranked among companies with meaningful PE(NRI) only.
CNBKA' s PE(NRI) Range Over the Past 10 Years
Min: 6.42  Med: 10.56 Max: 34.5
Current: 10.1
6.42
34.5
P/B 1.00
CNBKA's P/B is ranked higher than
53% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CNBKA: 1.00 )
Ranked among companies with meaningful P/B only.
CNBKA' s P/B Range Over the Past 10 Years
Min: 0.48  Med: 1.03 Max: 1.8
Current: 1
0.48
1.8
P/S 2.55
CNBKA's P/S is ranked higher than
50% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CNBKA: 2.55 )
Ranked among companies with meaningful P/S only.
CNBKA' s P/S Range Over the Past 10 Years
Min: 0.97  Med: 2.35 Max: 12.75
Current: 2.55
0.97
12.75
PFCF 23.16
CNBKA's PFCF is ranked lower than
86% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CNBKA: 23.16 )
Ranked among companies with meaningful PFCF only.
CNBKA' s PFCF Range Over the Past 10 Years
Min: 4.61  Med: 15.67 Max: 246.91
Current: 23.16
4.61
246.91
POCF 17.37
CNBKA's POCF is ranked lower than
84% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. CNBKA: 17.37 )
Ranked among companies with meaningful POCF only.
CNBKA' s POCF Range Over the Past 10 Years
Min: 3.97  Med: 10.74 Max: 1358
Current: 17.37
3.97
1358
EV-to-EBIT 27.25
CNBKA's EV-to-EBIT is ranked lower than
82% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CNBKA: 27.25 )
Ranked among companies with meaningful EV-to-EBIT only.
CNBKA' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.5  Med: 23.10 Max: 166.3
Current: 27.25
-3.5
166.3
EV-to-EBITDA 24.07
CNBKA's EV-to-EBITDA is ranked lower than
83% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. CNBKA: 24.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNBKA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 18.20 Max: 117.9
Current: 24.07
-2.3
117.9
PEG 1.19
CNBKA's PEG is ranked lower than
59% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CNBKA: 1.19 )
Ranked among companies with meaningful PEG only.
CNBKA' s PEG Range Over the Past 10 Years
Min: 0.27  Med: 0.66 Max: 3.53
Current: 1.19
0.27
3.53
Shiller P/E 14.47
CNBKA's Shiller P/E is ranked higher than
61% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. CNBKA: 14.47 )
Ranked among companies with meaningful Shiller P/E only.
CNBKA' s Shiller P/E Range Over the Past 10 Years
Min: 5.64  Med: 13.79 Max: 16.76
Current: 14.47
5.64
16.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.23
CNBKA's Dividend Yield is ranked higher than
97% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CNBKA: 1.23 )
Ranked among companies with meaningful Dividend Yield only.
CNBKA' s Dividend Yield Range Over the Past 10 Years
Min: 1.06  Med: 1.76 Max: 4.53
Current: 1.23
1.06
4.53
Dividend Payout 0.12
CNBKA's Dividend Payout is ranked higher than
97% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CNBKA: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
CNBKA' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.19 Max: 2.75
Current: 0.12
0.11
2.75
Forward Dividend Yield 1.24
CNBKA's Forward Dividend Yield is ranked lower than
81% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CNBKA: 1.24 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.23
CNBKA's Yield on cost (5-Year) is ranked higher than
89% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CNBKA: 1.23 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNBKA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.06  Med: 1.76 Max: 4.53
Current: 1.23
1.06
4.53
3-Year Average Share Buyback Ratio -0.10
CNBKA's 3-Year Average Share Buyback Ratio is ranked higher than
75% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CNBKA: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNBKA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 0.00 Max: 1.8
Current: -0.1
-0.5
1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
CNBKA's Price/Tangible Book is ranked higher than
57% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. CNBKA: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
CNBKA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.38 Max: 2.25
Current: 1.02
0.62
2.25
Price/Projected FCF 0.75
CNBKA's Price/Projected FCF is ranked lower than
63% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CNBKA: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
CNBKA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.77 Max: 1.65
Current: 0.75
0.42
1.65
Price/Median PS Value 1.15
CNBKA's Price/Median PS Value is ranked lower than
72% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CNBKA: 1.15 )
Ranked among companies with meaningful Price/Median PS Value only.
CNBKA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.11 Max: 5.15
Current: 1.15
0.52
5.15
Price/Graham Number 0.67
CNBKA's Price/Graham Number is ranked higher than
66% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CNBKA: 0.67 )
Ranked among companies with meaningful Price/Graham Number only.
CNBKA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 0.80 Max: 1.46
Current: 0.67
0.47
1.46
Earnings Yield (Greenblatt) (%) 3.70
CNBKA's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CNBKA: 3.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNBKA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 4.30 Max: 11.3
Current: 3.7
0.6
11.3
Forward Rate of Return (Yacktman) (%) 10.87
CNBKA's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CNBKA: 10.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNBKA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.7  Med: 13.10 Max: 41
Current: 10.87
-18.7
41

More Statistics

Revenue(Mil) $86
EPS $ 4.07
Beta0.71
Short Percentage of Float1.06%
52-Week Range $32.54 - 45.10
Shares Outstanding(Mil)5.57

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 
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 

More From Other Websites
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Century Bancorp posts 3Q profit Oct 13 2015
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