CTUY (Century Next Financial) E10: $4.62 (As of Jun. 2026)

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CTUY Century Next Financial Corp CTUY
69 GF Score
Price $71.00
GF Value $48.65
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Century Next Financial E10?

Century Next Financial CTUY 69 E10 is $4.62 as of Jun. 2026. GuruFocus rates CTUY with a GF Score™ of 69/100 and a GF Value™ of $48.65 (Significantly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Century Next Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.200. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.62 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Century Next Financial's average E10 Growth Rate was 25.90% per year. During the past 3 years, the average E10 Growth Rate was 24.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Century Next Financial was 24.80% per year. The lowest was 24.80% per year. And the median was 24.80% per year.

As of today (2026-08-02), Century Next Financial's current stock price is $71.00. Century Next Financial's E10 for the quarter that ended in Jun. 2026 was $4.62. Century Next Financial's Shiller PE Ratio of today is 15.37.

During the past 13 years, the highest Shiller PE Ratio of Century Next Financial was 16.59. The lowest was 10.78. And the median was 12.90.


Century Next Financial  (OTCPK:CTUY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Century Next Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=71.00/4.62
=15.37

* 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 Shiller P/E Ratio of Century Next Financial was 16.59. The lowest was 10.78. And the median was 12.90.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Century Next Financial E10 Related Terms


Century Next Financial E10 Historical Data

* Premium members only.

The historical data trend for Century Next Financial's E10 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 Next Financial E10 Chart

Century Next Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.11 2.52 3.21 4.10

Century Next Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 3.67 3.92 4.10 4.36 4.62

CTUY vs CCNB, PPBN, BNCC: E10 Comparison

For the Banks - Regional subindustry, Century Next Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Next Financial Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Century Next Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Century Next Financial's Shiller PE Ratio falls into.


CTUY
69GF Score
Century Next Financial Corp CTUY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Century Next Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 Next Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.2/333.9520*333.9520
=2.200

Current CPI (Jun. 2026) = 333.9520.

Century Next Financial Quarterly Data

per share eps CPI Adj_EPS
201306 0.115 233.504 0.164
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201706 0.554 244.955 0.755
201709 0.597 246.819 0.808
201712 0.267 246.524 0.362
201803 0.657 249.554 0.879
201806 0.657 251.989 0.871
201809 0.724 252.439 0.958
201812 0.305 251.233 0.405
201903 0.695 254.202 0.913
201906 0.676 256.143 0.881
201909 1.057 256.759 1.375
201912 0.771 256.974 1.002
202003 0.581 258.115 0.752
202006 0.870 257.797 1.127
202009 0.680 260.280 0.872
202012 0.860 260.474 1.103
202103 0.730 264.877 0.920
202106 0.090 271.696 0.111
202109 0.950 274.310 1.157
202112 0.950 278.802 1.138
202203 0.620 287.504 0.720
202206 0.840 296.311 0.947
202209 0.840 296.808 0.945
202212 0.650 296.797 0.731
202303 0.590 301.836 0.653
202306 0.880 305.109 0.963
202309 1.060 307.789 1.150
202312 1.240 306.746 1.350
202403 1.480 312.332 1.582
202406 1.700 314.175 1.807
202409 1.670 315.301 1.769
202412 1.840 315.605 1.947
202503 1.880 319.799 1.963
202506 2.140 322.561 2.216
202509 2.300 324.800 2.365
202512 2.030 324.054 2.092
202603 1.890 330.213 1.911
202606 2.200 333.952 2.200

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $4.62 mean?
Century Next Financial (CTUY) has a E10 of $4.62 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Century Next Financial and its competitors.
Is Century Next Financial's E10 too high?
Century Next Financial's current E10 is $4.62. 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 E10 compare to CCNB and PPBN?
Century Next Financial's E10 of $4.62 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Century Next Financial and its competitors. Century Next Financial's current E10 is $4.62. 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 $48.65, compared to a current price of $71.00 — trading 45.9% above its estimated fair value. The current E10 is $4.62. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Century Next Financial (CTUY), the current E10 is $4.62 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 $71.00 is trading 45.9% above its estimated GF Value™ of $48.65. GuruFocus considers Century Next Financial to be Significantly Overvalued.

Key valuation signals for CTUY:

  • E10: $4.62
  • GF Value™: $48.65 vs. price of $71.00 (45.9% above fair value)
  • GF Score™: 69/100 with 4 warning signs

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 Business Description

Address 505 North Vienna Street, Ruston, LA, USA, 71270
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

Get the complete analysis for CTUY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$71.00
Price
$48.65
GF Value