GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Century Financial Corp (OTCPK:CYFL) » Definitions » Cyclically Adjusted PB Ratio

CYFL (Century Financial) Cyclically Adjusted PB Ratio : 1.76 (As of May. 30, 2025)


View and export this data going back to . Start your Free Trial

What is Century Financial Cyclically Adjusted PB Ratio?

As of today (2025-05-30), Century Financial's current share price is $44.725. 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 for today is 1.76.

The historical rank and industry rank for Century Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

CYFL' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.14   Med: 1.34   Max: 1.85
Current: 1.7

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

CYFL's Cyclically Adjusted PB Ratio is ranked worse than
80.73% of 1282 companies
in the Banks industry
Industry Median: 1.01 vs CYFL: 1.70

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 adjusted book value per share data 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.

Shiller PE for Stocks: The True Measure of Stock Valuation


Century Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Century Financial's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Century Financial Annual Data
Trend Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 1.34 1.28 1.51

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 PB Ratio 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 1.28 1.21 1.24 1.33 1.51

Competitive Comparison of Century Financial's Cyclically Adjusted PB Ratio

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.


;
;

Century Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=44.725/25.36
=1.76

* 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.

Century Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 is calculated as:

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.

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.


Century Financial  (OTCPK:CYFL) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Century Financial Cyclically Adjusted PB Ratio Related Terms

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


Century Financial Business Description

Traded in Other Exchanges
N/A
Address
100 West Chicago Street, Coldwater, MI, USA, 49036
Century Financial Corp operates within the banking industry, offering a variety of financial services through its offices in southern Michigan. The bank's main deposit products include checking accounts, savings accounts, and term certificate accounts. Its primary lending products consist of residential mortgages, commercial loans, installment consumer loans, and trust services. Additionally, the bank provides wealth management services.

Century Financial Headlines