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Century Next FinancialCTUY 69 Debt-to-Equity is 0.08 as of Jun. 2026, which is 67% below its 10-year median of 0.24. GuruFocus rates CTUY with a GF Score™ of 69/100 and a GF Value™ of $49.53 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,414 Banks companies, Century Next Financial ranks better than 91.23% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Century Next Financial's Debt-to-Equity or its related term are showing as below:
CTUY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.24 Max: 0.9
Current: 0.08
During the past 13 years, the highest Debt-to-Equity Ratio of Century Next Financial was 0.90. The lowest was 0.08. And the median was 0.24.
CTUY's Debt-to-Equity is ranked better than 91.23% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs CTUY: 0.08
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Century Next Financial Debt-to-Equity Related Terms
Century Next Financial Debt-to-Equity Historical Data
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The historical data trend for Century Next Financial's Debt-to-Equity 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.
CTUY vs CCNB, PPBN, BNCC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Century Next Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Next Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Century Next Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Century Next Financial's Debt-to-Equity falls into.
* 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 Next Financial (CTUY) has a Debt-to-Equity of 0.08 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Century Next Financial and its competitors. This is 67% below median its historical median of 0.24. Over the past decade, Century Next Financial's Debt-to-Equity has ranged from 0.08 to 0.90. According to the industry distribution chart, Century Next Financial ranks #124 out of 1414 companies in the Banks industry, placing it in the top 8.8%.
Is Century Next Financial's Debt-to-Equity too high?
Century Next Financial's current Debt-to-Equity of 0.08 is 67% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.90. The Banks industry median Debt-to-Equity is 0.58. Century Next Financial's value of 0.08 is 86.2% below this industry median. Based on the distribution chart, Century Next Financial ranks #124 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Century Next Financial has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Century Next Financial's Debt-to-Equity compare to CCNB and PPBN?
According to the Banks industry distribution chart, Century Next Financial ranks #124 out of 1414 companies for Debt-to-Equity. This places Century Next Financial in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Century Next Financial's value of 0.08 is 86.2% below this benchmark. Historically, Century Next Financial's own Debt-to-Equity has ranged from 0.08 to 0.90 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.58, Century Next Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Century Next Financial's current Debt-to-Equity of 0.08 is 86.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Century Next Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Century Next Financial's current Debt-to-Equity is 0.08, which is 67% below median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Century Next Financial stock overvalued right now?
Based on GuruFocus' analysis, Century Next Financial (CTUY) is currently considered Significantly Overvalued. The stock's GF Value™ is $49.53, compared to a current price of $72.80 — trading 47% above its estimated fair value. The current Debt-to-Equity is 0.08, which is 67% below median its 10-year median of 0.24 and 86.2% below the Banks industry median of 0.58. Century Next Financial's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Century Next Financial (CTUY), the current Debt-to-Equity is 0.08 as of Jun. 2026. 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 Next Financial (CTUY) Overvalued in 2026?
Based on GuruFocus' analysis, Century Next Financial stock appears to be overvalued.
The current stock price of $72.80 is trading 47% above its estimated GF Value™ of $49.53.
GuruFocus considers Century Next Financial to be Significantly Overvalued.
Key valuation signals for CTUY:
Debt-to-Equity: 0.08 (67% below median its 10-year median of 0.24)
GF Value™: $49.53 vs. price of $72.80 (47% above fair value)
Industry Position: 86.2% below the Banks median (#124 of 1414)
No single metric tells the full story. See the CTUY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Century Next Financial Corp is the United States-based holding company for Bank of Ruston. The Bank is a full-service bank that emphasizes professional and personal banking services directed to small and medium-sized businesses, professionals, and individuals. The Bank provides a full range of banking services, including its business of real estate lending to residential and commercial customers.
69GF Score
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