CTUY (Century Next Financial) Moat Score: 4/10 (As of Aug. 03, 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
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What is Century Next Financial Moat Score?

Century Next Financial CTUY 69 Moat Score is 4 as of Aug. 03, 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. Among 1,609 Banks companies, Century Next Financial ranks better than 86.26% on this metric.

Century Next Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Century Next Financial has Narrow Moat: Century Next Financial Corp has a modest moat due to customer switching costs in banking and a localized market presence. However, it lacks significant scale or brand strength to elevate its competitive position further.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Century Next Financial might have Narrow Moat - Discernible but modest moat.

Century Next Financial  (OTCPK:CTUY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Century Next Financial Moat Score Related Terms

CTUY vs CCNB, PPBN, BNCC: Moat Score Comparison

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

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

* The bar in red indicates where Century Next Financial's Moat Score falls into.


CTUY
69GF Score
Century Next Financial Corp CTUY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Century Next Financial (CTUY) has a Moat Score of 4 as of Aug. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Century Next Financial ranks #221 out of 1609 companies in the Banks industry, placing it in the top 13.7%.
Is Century Next Financial's Moat Score too high?
Century Next Financial's current Moat Score is 4. Based on the distribution chart, Century Next Financial ranks #221 out of 1609 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 Moat Score compare to CCNB and PPBN?
According to the Banks industry distribution chart, Century Next Financial ranks #221 out of 1609 companies for Moat Score. This places Century Next Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Century Next Financial's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Century Next Financial (CTUY), the current Moat Score is 4 as of Aug. 03, 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:

  • Moat Score: 4
  • 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

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

$71.00
Price
$48.65
GF Value