CYFL (Century Financial) Cyclically Adjusted Revenue per Share: $12.63 (As of Dec. 2025)

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CYFL Century Financial Corp CYFL
70 GF Score
Price $47.50
GF Value $40.86
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Century Financial Cyclically Adjusted Revenue per Share?

Century Financial CYFL 70 Cyclically Adjusted Revenue per Share is $12.63 as of Dec. 2025. GuruFocus rates CYFL with a GF Score™ of 70/100 and a GF Value™ of $40.86 (Modestly Overvalued). The stock has 5 warning signs investors should review.

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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Century Financial's adjusted revenue per share for the three months ended in Dec. 2025 was $3.975. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $12.63 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Century Financial's average Cyclically Adjusted Revenue Growth Rate was 13.40% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 17.60% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Century Financial was 17.60% per year. The lowest was 17.60% per year. And the median was 17.60% per year.

As of today (2026-07-20), Century Financial's current stock price is $47.50. Century Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $12.63. Century Financial's Cyclically Adjusted PS Ratio of today is 3.76.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Century Financial was 4.22. The lowest was 2.80. And the median was 3.57.


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

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

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

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

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=47.50/12.63
=3.76

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Century Financial was 4.22. The lowest was 2.80. And the median was 3.57.


Be Aware

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


Century Financial Cyclically Adjusted Revenue per Share Related Terms


Century Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Century Financial's Cyclically Adjusted Revenue 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.

Century Financial Cyclically Adjusted Revenue per Share Chart

Century Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 7.76 9.39 11.14 12.63

Century Financial Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Revenue 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 11.14 11.67 12.17 12.57 12.63

CYFL vs CPBI, PBKX, REDW: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Century Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

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

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


CYFL
70GF Score
Century Financial Corp CYFL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Century Financial Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=3.975/324.0540*324.0540
=3.975

Current CPI (Dec. 2025) = 324.0540.

Century Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200503 1.507 193.300 2.526
200506 1.561 194.500 2.601
200509 1.571 198.800 2.561
200512 1.880 196.800 3.096
200603 1.651 199.800 2.678
200606 1.637 202.900 2.614
200609 1.684 202.900 2.690
200612 1.699 201.800 2.728
200703 1.772 205.352 2.796
200706 1.678 208.352 2.610
200709 1.722 208.490 2.676
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201906 2.259 256.143 2.858
201909 2.296 256.759 2.898
201912 2.312 256.974 2.916
202003 2.235 258.115 2.806
202006 2.376 257.797 2.987
202009 2.575 260.280 3.206
202012 2.621 260.474 3.261
202103 2.528 264.877 3.093
202106 2.404 271.696 2.867
202109 2.435 274.310 2.877
202112 2.372 278.802 2.757
202203 2.291 287.504 2.582
202206 2.520 296.311 2.756
202209 2.902 296.808 3.168
202212 3.336 296.797 3.642
202303 3.295 301.836 3.538
202306 3.414 305.109 3.626
202309 3.367 307.789 3.545
202312 3.600 306.746 3.803
202403 3.611 312.332 3.747
202406 3.747 314.175 3.865
202409 3.800 315.301 3.905
202412 3.933 315.605 4.038
202503 3.817 319.799 3.868
202506 3.859 322.561 3.877
202509 3.965 324.800 3.956
202512 3.975 324.054 3.975

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $12.63 mean?
Century Financial (CYFL) has a Cyclically Adjusted Revenue per Share of $12.63 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Century Financial and its competitors.
Is Century Financial's Cyclically Adjusted Revenue per Share too high?
Century Financial's current Cyclically Adjusted Revenue per Share is $12.63. Overall, Century Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Century Financial's Cyclically Adjusted Revenue per Share compare to CPBI and PBKX?
Century Financial's Cyclically Adjusted Revenue per Share of $12.63 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Century Financial and its competitors. Century Financial's current Cyclically Adjusted Revenue per Share is $12.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Century Financial stock overvalued right now?
Based on GuruFocus' analysis, Century Financial (CYFL) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.86, compared to a current price of $47.50 — trading 16.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $12.63. Century Financial's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Century Financial (CYFL), the current Cyclically Adjusted Revenue per Share is $12.63 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Century Financial (CYFL) Overvalued in 2026?

Based on GuruFocus' analysis, Century Financial stock appears to be overvalued. The current stock price of $47.50 is trading 16.3% above its estimated GF Value™ of $40.86. GuruFocus considers Century Financial to be Modestly Overvalued.

Key valuation signals for CYFL:

  • Cyclically Adjusted Revenue per Share: $12.63
  • GF Value™: $40.86 vs. price of $47.50 (16.3% above fair value)
  • GF Score™: 70/100 with 5 warning signs

No single metric tells the full story. See the CYFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Century Financial Business Description

Address 100 W. Chicago Street, Coldwater, MI, USA, 49036
Century Financial Corp, along with its subsidiaries, 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. Additionally, it also offers online and mobile banking services, cash management, wealth management, and insurance products and services, among others.
70GF Score

Get the complete analysis for CYFL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.50
Price
$40.86
GF Value