CYFL (Century Financial) E10: $3.85 (As of Dec. 2025)


CYFL Century Financial Corp CYFL
70 GF Score
Price $47.48
GF Value $40.55
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Century Financial E10?

Century Financial CYFL 70 E10 is $3.85 as of Dec. 2025. GuruFocus rates CYFL with a GF Score™ of 70/100 and a GF Value™ of $40.55 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Century Financial's adjusted earnings per share data for the three months ended in Dec. 2025 was $1.340. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.85 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Century Financial's average E10 Growth Rate was 13.20% per year. During the past 3 years, the average E10 Growth Rate was 13.80% 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 Financial was 13.80% per year. The lowest was 13.80% per year. And the median was 13.80% per year.

As of today (2026-06-27), Century Financial's current stock price is $47.48. Century Financial's E10 for the quarter that ended in Dec. 2025 was $3.85. Century Financial's Shiller PE Ratio of today is 12.33.

During the past 13 years, the highest Shiller PE Ratio of Century Financial was 13.82. The lowest was 8.80. And the median was 10.91.


Century Financial  (OTCPK:CYFL) 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 Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=47.48/3.85
=12.33

* 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 Financial was 13.82. The lowest was 8.80. And the median was 10.91.


Be Aware

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


Century Financial E10 Related Terms


Century Financial E10 Historical Data

* Premium members only.

The historical data trend for Century 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 Financial E10 Chart

Century Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.61 2.95 3.40 3.85

Century Financial Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 3.40 3.53 3.63 3.82 3.85

CYFL vs CPBI, CZNL, EDVR: E10 Comparison

For the Banks - Regional subindustry, Century 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 Financial Shiller PE Ratio vs Banks Industry

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

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


CYFL
70GF Score
Century Financial Corp CYFL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Century 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 Financial's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=1.34/324.0540*324.0540
=1.340

Current CPI (Dec. 2025) = 324.0540.

Century Financial Quarterly Data

per share eps CPI Adj_EPS
200503 0.391 193.300 0.655
200506 0.357 194.500 0.595
200509 0.410 198.800 0.668
200512 0.402 196.800 0.662
200603 0.444 199.800 0.720
200606 0.370 202.900 0.591
200609 0.450 202.900 0.719
200612 0.423 201.800 0.679
200703 0.468 205.352 0.739
200706 0.425 208.352 0.661
200709 0.490 208.490 0.762
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201906 0.600 256.143 0.759
201909 0.600 256.759 0.757
201912 0.640 256.974 0.807
202003 0.650 258.115 0.816
202006 0.650 257.797 0.817
202009 0.740 260.280 0.921
202012 0.760 260.474 0.946
202103 0.750 264.877 0.918
202106 0.680 271.696 0.811
202109 0.750 274.310 0.886
202112 0.770 278.802 0.895
202203 0.630 287.504 0.710
202206 0.860 296.311 0.941
202209 0.880 296.808 0.961
202212 0.980 296.797 1.070
202303 0.970 301.836 1.041
202306 1.210 305.109 1.285
202309 1.290 307.789 1.358
202312 1.240 306.746 1.310
202403 1.180 312.332 1.224
202406 1.270 314.175 1.310
202409 1.540 315.301 1.583
202412 1.410 315.605 1.448
202503 1.380 319.799 1.398
202506 1.280 322.561 1.286
202509 1.540 324.800 1.536
202512 1.340 324.054 1.340

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 $3.85 mean?
Century Financial (CYFL) has a E10 of $3.85 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Century Financial and its competitors.
Is Century Financial's E10 too high?
Century Financial's current E10 is $3.85. 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 E10 compare to CPBI and CZNL?
Century Financial's E10 of $3.85 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 Financial and its competitors. Century Financial's current E10 is $3.85. 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 $40.55, compared to a current price of $47.48 — trading 17.1% above its estimated fair value. The current E10 is $3.85. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Century Financial (CYFL), the current E10 is $3.85 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 $47.48 is trading 17.1% above its estimated GF Value™ of $40.55. GuruFocus considers Century Financial to be Modestly Overvalued.

Key valuation signals for CYFL:

  • E10: $3.85
  • GF Value™: $40.55 vs. price of $47.48 (17.1% 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

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

$47.48
Price
$40.55
GF Value