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CYFL (Century Financial) Cyclically Adjusted Book per Share : $25.36 (As of Dec. 2024)


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What is Century Financial Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Century Financial's adjusted book value per share for the three months ended in Dec. 2024 was $34.459. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $25.36 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Century Financial's average Cyclically Adjusted Book Growth Rate was 11.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2025-05-16), Century Financial's current stock price is $43.00. Century Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 was $25.36. Century Financial's Cyclically Adjusted PB Ratio of today is 1.70.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Century Financial was 1.85. The lowest was 1.14. And the median was 1.34.


Century Financial Cyclically Adjusted Book per Share Historical Data

The historical data trend for Century Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Century Financial Cyclically Adjusted Book per Share Chart

Century Financial Annual Data
Trend Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 20.40 22.67 25.36

Century Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.67 23.54 24.17 24.80 25.36

Competitive Comparison of Century Financial's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, Century Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Century Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Century Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Century Financial's Cyclically Adjusted PB Ratio falls into.


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Century Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Century Financial's adjusted Book Value per Share data for the three months ended in Dec. 2024 was:

Adj_Book= Book Value per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=34.459/133.1571*133.1571
=34.459

Current CPI (Dec. 2024) = 133.1571.

Century Financial Quarterly Data

Book Value per Share CPI Adj_Book
199706 7.518 67.632 14.802
199709 5.130 68.012 10.044
199712 5.131 68.054 10.039
200412 13.561 80.290 22.490
200503 13.514 81.555 22.065
200506 13.543 82.062 21.976
200509 13.624 83.876 21.629
200512 14.443 83.032 23.162
200603 13.909 84.298 21.971
200606 13.567 85.606 21.103
200609 13.823 85.606 21.501
200612 13.980 85.142 21.864
200703 14.123 86.640 21.706
200706 13.966 87.906 21.155
200709 14.194 87.964 21.486
201712 18.991 104.011 24.313
201812 19.873 105.998 24.965
201906 0.000 108.070 0.000
201909 0.000 108.329 0.000
201912 22.299 108.420 27.387
202003 0.000 108.902 0.000
202006 23.757 108.767 29.084
202009 24.515 109.815 29.726
202012 24.737 109.897 29.973
202103 25.251 111.754 30.087
202106 25.810 114.631 29.981
202109 26.018 115.734 29.935
202112 26.824 117.630 30.365
202203 26.202 121.301 28.763
202206 25.538 125.017 27.201
202209 24.799 125.227 26.370
202212 25.184 125.222 26.780
202303 26.693 127.348 27.911
202306 26.851 128.729 27.775
202309 27.458 129.860 28.155
202312 29.754 129.419 30.613
202403 30.619 131.776 30.940
202406 31.960 132.554 32.105
202409 34.539 133.029 34.572
202412 34.459 133.157 34.459

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


Century Financial  (OTCPK:CYFL) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Century Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=43.00/25.36
=1.70

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Century Financial was 1.85. The lowest was 1.14. And the median was 1.34.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Century Financial Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Century Financial's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Century Financial Business Description

Industry
Traded in Other Exchanges
N/A
Address
100 West Chicago Street, Coldwater, MI, USA, 49036
Century Financial Corp operates in the banking industry. The Company provides financial services through its offices located in southern Michigan. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment consumer loans and trust services. It also provides wealth management services.

Century Financial Headlines