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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 0.26
CNBKA's Cash to Debt is ranked higher than
55% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CNBKA: 0.26 )
CNBKA' s 10-Year Cash to Debt Range
Min: 0.11   Max: 63.44
Current: 0.26

0.11
63.44
Equity to Asset 0.05
CNBKA's Equity to Asset is ranked lower than
53% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CNBKA: 0.05 )
CNBKA' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.09
Current: 0.05

0.05
0.09
Interest Coverage 1.12
CNBKA's Interest Coverage is ranked higher than
65% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CNBKA: 1.12 )
CNBKA' s 10-Year Interest Coverage Range
Min: 0.16   Max: 1.12
Current: 1.12

0.16
1.12
F-Score: 3
Z-Score: 0.14
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 (%) 26.46
CNBKA's Operating margin (%) is ranked higher than
70% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. CNBKA: 26.46 )
CNBKA' s 10-Year Operating margin (%) Range
Min: 14.77   Max: 37.73
Current: 26.46

14.77
37.73
Net-margin (%) 25.19
CNBKA's Net-margin (%) is ranked higher than
81% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. CNBKA: 25.19 )
CNBKA' s 10-Year Net-margin (%) Range
Min: 9.74   Max: 25.19
Current: 25.19

9.74
25.19
ROE (%) 11.36
CNBKA's ROE (%) is ranked higher than
87% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CNBKA: 11.36 )
CNBKA' s 10-Year ROE (%) Range
Min: 4.39   Max: 15.09
Current: 11.36

4.39
15.09
ROA (%) 0.58
CNBKA's ROA (%) is ranked higher than
65% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CNBKA: 0.58 )
CNBKA' s 10-Year ROA (%) Range
Min: 0.29   Max: 1.08
Current: 0.58

0.29
1.08
ROC (Joel Greenblatt) (%) 89.97
CNBKA's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. CNBKA: 89.97 )
CNBKA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.96   Max: 177.26
Current: 89.97

30.96
177.26
Revenue Growth (%) 5.40
CNBKA's Revenue Growth (%) is ranked higher than
86% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CNBKA: 5.40 )
CNBKA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 16.1
Current: 5.4

0
16.1
EBITDA Growth (%) 10.00
CNBKA's EBITDA Growth (%) is ranked higher than
77% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CNBKA: 10.00 )
CNBKA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 29.6
Current: 10

0
29.6
EPS Growth (%) 13.80
CNBKA's EPS Growth (%) is ranked higher than
79% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CNBKA: 13.80 )
CNBKA' s 10-Year EPS Growth (%) Range
Min: -26.4   Max: 29.9
Current: 13.8

-26.4
29.9
» CNBKA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

CNBKA Guru Trades in Q2 2013

Jim Simons 7,300 sh (+8.96%)
Scott Black 8,296 sh (unchged)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Scott Black 2014-03-31 Sold Out 0.03%$33 - $36.62 $ 35.32%0
Scott Black 2012-12-31 New Buy0.04%$28.43 - $33.64 $ 35.311%7271
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.60
CNBKA's P/E(ttm) is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. CNBKA: 9.60 )
CNBKA' s 10-Year P/E(ttm) Range
Min: 6.44   Max: 34.68
Current: 9.6

6.44
34.68
P/B 1.10
CNBKA's P/B is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CNBKA: 1.10 )
CNBKA' s 10-Year P/B Range
Min: 0.48   Max: 2
Current: 1.1

0.48
2
P/S 2.43
CNBKA's P/S is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CNBKA: 2.43 )
CNBKA' s 10-Year P/S Range
Min: 0.97   Max: 12.75
Current: 2.43

0.97
12.75
PFCF 7.90
CNBKA's PFCF is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. CNBKA: 7.90 )
CNBKA' s 10-Year PFCF Range
Min: 5.05   Max: 3751
Current: 7.9

5.05
3751
EV-to-EBIT 19.65
CNBKA's EV-to-EBIT is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. CNBKA: 19.65 )
CNBKA' s 10-Year EV-to-EBIT Range
Min: 5.6   Max: 166.3
Current: 19.65

5.6
166.3
PEG 0.80
CNBKA's PEG is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CNBKA: 0.80 )
CNBKA' s 10-Year PEG Range
Min: 0.3   Max: 25.51
Current: 0.8

0.3
25.51
Shiller P/E 11.90
CNBKA's Shiller P/E is ranked higher than
94% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. CNBKA: 11.90 )
CNBKA' s 10-Year Shiller P/E Range
Min: 6.42   Max: 19.13
Current: 11.9

6.42
19.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.36
CNBKA's Dividend Yield is ranked lower than
73% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. CNBKA: 1.36 )
CNBKA' s 10-Year Dividend Yield Range
Min: 1.17   Max: 4.53
Current: 1.36

1.17
4.53
Dividend Payout 0.13
CNBKA's Dividend Payout is ranked higher than
96% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CNBKA: 0.13 )
CNBKA' s 10-Year Dividend Payout Range
Min: 0.12   Max: 2.75
Current: 0.13

0.12
2.75
Yield on cost (5-Year) 1.40
CNBKA's Yield on cost (5-Year) is ranked lower than
72% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. CNBKA: 1.40 )
CNBKA' s 10-Year Yield on cost (5-Year) Range
Min: 1.17   Max: 4.53
Current: 1.4

1.17
4.53
Share Buyback Rate -0.10
CNBKA's Share Buyback Rate is ranked higher than
87% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CNBKA: -0.10 )
CNBKA' s 10-Year Share Buyback Rate Range
Min: 1.8   Max: -0.5
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
CNBKA's Price/Tangible Book is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CNBKA: 1.10 )
CNBKA' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.26
Current: 1.1

0.62
2.26
Price/DCF (Projected) 0.60
CNBKA's Price/DCF (Projected) is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CNBKA: 0.60 )
CNBKA' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.22
Current: 0.6

0.38
1.22
Price/Median PS Value 1.00
CNBKA's Price/Median PS Value is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CNBKA: 1.00 )
CNBKA' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 4.94
Current: 1

0.53
4.94
Price/Peter Lynch Fair Value 0.70
CNBKA's Price/Peter Lynch Fair Value is ranked higher than
93% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CNBKA: 0.70 )
CNBKA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 3.3
Current: 0.7

0.3
3.3
Price/Graham Number 0.70
CNBKA's Price/Graham Number is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CNBKA: 0.70 )
CNBKA' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.47
Current: 0.7

0.47
1.47
Earnings Yield (Greenblatt) 5.20
CNBKA's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CNBKA: 5.20 )
CNBKA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 17.8
Current: 5.2

0.6
17.8
Forward Rate of Return (Yacktman) 18.27
CNBKA's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. CNBKA: 18.27 )
CNBKA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.4   Max: 36.6
Current: 18.27

-13.4
36.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Century Bancorp, Inc. is a Massachusetts Corporation formed in 1972. The Company through its subsidiary bank, Century Bank and Trust Company, offers a wide range of 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 has deposit relationships with 192 (55%) of the 351 cities and towns in Massachusetts. 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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