CYFL (Century Financial) EV-to-FCF: (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CYFL Century Financial Corp CYFL
68 GF Score
Price $47.49
GF Value $41.00
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Century Financial EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Century Financial's Enterprise Value is $12.54 Mil. Century Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil. Therefore, Century Financial's EV-to-FCF for today is .

The historical rank and industry rank for Century Financial's EV-to-FCF or its related term are showing as below:

CYFL' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 1.65
Current: 1.65

During the past 13 years, the highest EV-to-FCF of Century Financial was 1.65. The lowest was 0.00. And the median was 0.00.

CYFL's EV-to-FCF is ranked better than
73.38% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs CYFL: 1.65

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-31), Century Financial's stock price is $47.49. Century Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.540. Therefore, Century Financial's PE Ratio (TTM) for today is 8.57.


Century Financial  (OTCPK:CYFL) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Century Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=47.49/5.540
=8.57

Century Financial's share price for today is $47.49.
Century Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.540.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Century Financial EV-to-FCF Related Terms


Century Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Century Financial's EV-to-FCF 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 EV-to-FCF Chart

Century Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -15.56 -2.73 -3.77 -1.28 1.45

Century Financial Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EV-to-FCF 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 0.00 0.00 0.00 1.45

CYFL vs FRSB, OPHC, FBSI: EV-to-FCF Comparison

For the Banks - Regional subindustry, Century Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Century Financial's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Century Financial's EV-to-FCF falls into.


CYFL
68GF Score
Century Financial Corp CYFL
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Century Financial EV-to-FCF Calculation

Century Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=12.539/0
=

Century Financial's current Enterprise Value is $12.54 Mil.
Century Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

Is Century Financial (CYFL) Overvalued in 2026?

Based on GuruFocus' analysis, Century Financial stock appears to be overvalued. The current stock price of $47.49 is trading 15.8% above its estimated GF Value™ of $41.00. GuruFocus considers Century Financial to be Modestly Overvalued.

Key valuation signals for CYFL:

  • EV-to-FCF:
  • GF Value™: $41.00 vs. price of $47.49 (15.8% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for CYFL

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

$47.49
Price
$41.00
GF Value